Apply Now

Grow Your Business with MSME Loans

Find out how much you can borrow in just a few clicks.
No paperwork, no hidden steps just quick and clear results.

Check Eligibility

Types Of Business Loans

Choose the right financing option for your business requirements

Working Capital Loan

Manage day-to-day operations, pay suppliers, and maintain inventory with flexible working capital solutions.

Machinery Loan

Upgrade or purchase new machinery and equipment to boost your production capacity and efficiency.

Agriculture Loan

Finance for farming equipment, seeds, fertilizers, irrigation systems, and agricultural infrastructure.

Business Expansion Loan

Expand your business to new locations, add product lines, or scale operations with growth funding.

Get MSME Loan in 4 Simple Steps

Our streamlined process ensures quick access to business funding

Check Eligibility

MSME Loan FAQs

Find answers to common questions about our loan products and processes

MSME Loan
Working Capital Loan
Machinery Loan
Agriculture Loan
Business Expansion Loan
What MSME loan products does LoanVittus support?

We support: (a) MSME Term Loans (for equipment, machinery, infrastructure), (b) Working Capital Loans (Cash Credit / Overdraft), (c) Project Loans (for new ventures with DPR), (d) CGTMSE-backed collateral-free loans up to ₹2 Crore, (e) MUDRA Loans (Shishu up to ₹50,000, Kishore up to ₹5 Lakh, Tarun up to ₹10 Lakh), and (f) Subsidy-linked project loans under PMEGP and state schemes.

Generally, you are eligible if: your business is classified as Micro, Small, or Medium Enterprise under the MSMED Act (Udyam registered or eligible for registration), you have a valid business registration (proprietorship, partnership, LLP, or company), you have a viable business plan or project proposal, and your credit history is satisfactory. Specific eligibility criteria vary by lender and loan product. LoanVittus assesses your eligibility and identifies the best-fit loan product for your profile.

Loan amounts depend on: your business turnover and profitability, the project cost (for new ventures), your existing liabilities, credit score, and the strength of your DPR/CMA. There is no universal fixed limit. Under CGTMSE, loans up to ₹2 Crore are available without collateral. Under MUDRA, the maximum is ₹10 Lakh. For larger amounts, banks assess based on project viability and your financial standing. LoanVittus analyses your profile and provides an estimated eligibility range.

Not always. Several options exist for collateral-free lending: CGTMSE-backed loans (up to ₹2 Crore without collateral, subject to eligibility), MUDRA loans (collateral-free by design), and select NBFC and private bank products based on cash flow and credit profile. For larger loan amounts or certain bank products, collateral or third-party guarantee may be required. LoanVittus identifies the most suitable options for your situation.

A Detailed Project Report (DPR) is a comprehensive document covering your project cost, means of finance, revenue projections, profitability, and loan repayment capacity. Banks use it to evaluate whether your project is viable and whether you can repay the loan. For term loans and project loans, most banks will not process your application without a properly prepared DPR. LoanVittus generates bank-ready DPRs automatically based on your inputs.
Credit Monitoring Arrangement (CMA) is a structured financial data format prescribed by RBI. Banks use it to assess working capital requirements. CMA includes your current and projected Balance Sheet, Profit & Loss, Fund Flow statement, and working capital assessment. It is required for Cash Credit, Overdraft, and working capital loan proposals. LoanVittus generates CMA data in the standard banking format.
Typical documents include: PAN and Aadhaar of proprietor/partners/directors, Udyam Registration Certificate, business registration documents (GST certificate, partnership deed, MOA/AOA as applicable), last 2–3 years’ ITR with computation, audited financial statements (Balance Sheet and P&L), last 12 months’ bank statements, project cost estimates or quotations (for new projects), and DPR/CMA (which LoanVittus generates). Specific banks may request additional documents during appraisal.
Indicative timelines: MUDRA loans — 7 to 15 working days; MSME term loans (up to ₹50 Lakh) — 10 to 25 working days; Project loans with DPR — 15 to 45 working days; Working capital (CC/OD) — 15 to 30 working days. Actual timelines depend on the bank’s appraisal process, completeness of documentation, and loan amount. LoanVittus reduces delays by ensuring your application and DPR are complete and bank-ready from day one.
The most common reasons are: (1) Incomplete or inconsistent financial statements — mismatch between ITR, bank statements, and GST returns, (2) Weak or missing DPR/CMA — banks cannot assess viability without these, (3) Low credit score or adverse credit history (defaults, bounced cheques, existing overdue), (4) High existing debt or unfavourable Debt Service Coverage Ratio (DSCR), (5) Working capital gap not properly justified or documented, (6) Incorrect loan structuring — applying for the wrong product or amount, and (7) Insufficient promoter contribution or margin money. LoanVittus identifies and addresses each of these before you apply.
Yes. We analyse the likely reasons for your rejection, restructure your financials and projections, prepare a fresh DPR/CMA addressing the identified gaps, and help you reapply to the same or a more suitable lender. Many MSME loans are rejected not because the business is weak, but because the application was poorly structured or documentation was incomplete.
Indicative market ranges (as of the date of this FAQ): MUDRA loans — 8–12% p.a.; MSME term loans — 9–16% p.a.; Working capital (CC/OD) — 9–15% p.a. Rates depend on your credit profile, loan amount, tenure, whether the loan is secured or unsecured, and the lender’s own policies. LoanVittus does not set or guarantee any interest rate — these are determined entirely by the lending institution.

Step 1: Sign up and enter your business and financial details. Step 2: Our system analyses your profile, credit readiness, and project viability. Step 3: DPR and/or CMA is generated in bank-ready format. Step 4: Suitable loan products and lenders are identified. Step 5: Application is prepared with complete documentation. Step 6: Submission support and post-submission follow-up with the bank.

Ready to Get Started?

Take the first step towards your business goals. Apply for a loan today and experience the VITTUS difference.

Download App

Apply For Business Loan

Apply Now