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Institutional Funding for India's MSMEs
From CGTMSE-backed collateral-free loans to structured working capital, we help micro, small and medium enterprises access bank-grade funding on terms usually reserved for large corporates.
Funding Amount
₹10 Lakh – ₹25 Cr
Approval Timeline
7–21 days
Pricing
9.5% p.a. onwards
About MSME Business Funding
MSMEs contribute nearly 30% of India's GDP, yet the credit gap for the sector is estimated at over ₹25 lakh crore. The problem is rarely creditworthiness — it is presentation, lender selection and structuring. Banks decline good businesses every day because the proposal did not speak the lender's language.
LOANYARD CAPITAL bridges this gap. Our team converts your business reality — GST data, banking conduct, order book and receivables — into a bankable proposal, then places it with lenders whose credit policy actually fits your profile. For eligible enterprises, we structure CGTMSE-guaranteed loans that require no collateral at all.
Beyond a single loan, we design a complete funding stack for growing MSMEs: cash credit for daily operations, term debt for capacity, machinery finance for equipment and bill discounting for receivables — sequenced so each facility strengthens eligibility for the next.
Key Benefits
Who Should Apply
- Udyam-registered micro, small and medium enterprises
- Manufacturers adding capacity or modernising equipment
- Suppliers to corporates and PSUs with growing order books
- Exporters and importers needing trade limits
- Service businesses scaling teams and infrastructure
Eligibility
- Udyam registration (we assist if not yet registered)
- Business vintage of 2+ years (relaxed for CGTMSE in some cases)
- GST-compliant turnover records
- No current NPA or major bounced-cheque history
- Promoter credit score of 650+ preferred
Documents Required
- Udyam certificate and business KYC
- Last 2 years financials and provisional statements
- 12-month bank statements and GST returns
- Order book / purchase orders where applicable
- Existing facility sanction letters
- Machinery quotations for equipment funding
Industries Served
Our Process
MSME Assessment
We map your eligibility across CGTMSE, PSB and NBFC programmes.
Documentation
Our team builds a complete, bank-ready proposal file.
Multi-Lender Placement
Simultaneous placement with the best-fit MSME lenders.
Sanction & Negotiation
We negotiate limits, margins and collateral requirements.
Disbursement & Support
Ongoing support for enhancements and renewals.
Why LOANYARD CAPITAL
15+ Years
Advisory Experience
500+
Corporate Clients
100+
Lending Relationships
Pan-India
Coverage