MSME Loans

Working Capital Solutions for Your Business

Flexible financing for MSMEs including OD/CC facilities, term loans, and CGTMSE schemes to fuel your business growth.

Empowering MSMEs with Smart Financing

Micro, Small and Medium Enterprises form the backbone of India's economy. At JPN Finserv, we understand the unique challenges MSMEs face in managing working capital and accessing credit. We specialize in helping businesses secure the right financing solutions - from traditional OD/CC facilities to government-backed schemes like CGTMSE.

Who This Is For

  • Small and medium enterprises seeking working capital
  • Manufacturing units requiring raw material financing
  • Trading businesses managing inventory cycles
  • Service providers with operational cash flow needs
  • Women entrepreneurs seeking special schemes
  • Businesses with 2-3 years of operational experience

Types of MSME Loans

  • Overdraft (OD) Facility: Flexible credit line for day-to-day operations with interest charged only on utilized amount
  • Cash Credit (CC): Revolving credit facility secured against inventory and receivables
  • Term Loans: Fixed amount loans for capital expenditure, machinery purchase, or business expansion
  • CGTMSE Scheme: Collateral-free loans up to ₹5 crores backed by Credit Guarantee Fund Trust
  • Working Capital Demand Loan: Short-term funding for specific business needs
  • Letter of Credit: Trade finance for import/export transactions

Eligibility

  • Business type: Proprietorship, Partnership, LLP, Private Limited
  • Business vintage: Minimum 1-3 years (varies by scheme)
  • Annual turnover: ₹10 lakhs+
  • Credit history: Clean CIBIL score (650+ preferred)
  • Compliance: Valid GST registration (if applicable)
  • Profitability: Positive cash flow demonstrated
  • For CGTMSE: Manufacturing or service sector businesses

Documents Required

  • Business registration certificate (GST, Udyam, etc.)
  • KYC documents of promoters/partners/directors
  • Last 2-3 years ITR and audited financial statements
  • Last 12 months bank statements (current account)
  • GST returns (GSTR-1, GSTR-3B) for last 12 months
  • Provisional balance sheet and projected financials
  • Stock and book debt statements
  • Property documents (for secured facilities)
  • Existing loan statements (if any)

How We Help

  • Scheme Selection: Identify the best loan scheme based on your business profile and needs
  • CGTMSE Guidance: Expert assistance in availing collateral-free loans under guarantee scheme
  • Bank Coordination: Connect with banks offering favorable terms for MSMEs
  • Documentation Support: Prepare and organize all required paperwork
  • Limit Enhancement: Help increase existing OD/CC limits as your business grows
  • Renewal Assistance: Smooth processing of annual renewals and reviews

Ready to Fuel Your Business Growth?

Talk to CA CS Nini Agarwal for expert guidance on MSME financing options tailored to your business.

Talk to Nini Agarwal WhatsApp