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MSME Specialist AI
Our AI is trained on MSME lending criteria across banks to find your best funding match.
We Negotiate Terms
Beyond rate — we negotiate tenure, collateral terms, and prepayment conditions for your business.
Fast Business Credit
Pre-arranged relationships with MSME desks at partner banks for priority processing.
Secured & Unsecured
Access both collateral-backed and unsecured options based on your business vintage.
Canara Bank
Canara MSME Smart Score
MSME Smart Score
Canara MSME Smart Score MSME Smart Score from Canara Bank: review certified business loan facts before deciding.
Interest Rate
10.50% – 18% p.a.
Interest Type
floating
Processing Fee
0.50% of limit
Loan Amount
from ₹1,00,000
Loan
Micro-Enterprise Loan — Score-Based up to ₹5 Crore
Key Numbers
Minimum Interest Rate
10.5% p.a.. The minimum official rate defines the lowest certified pricing or return boundary for this product.
Loan Amount
₹1 lakh. Loan amount states the official minimum or maximum funding boundary.
Available Tenures
10 months. Available tenures show the official duration range for this product.
Best For
msme. Best For identifies the official customer segment, product family, or highlighted fit signal.
What It Costs
Processing Fee
Founder-certified: 0.50% of limit. Processing fee is the official upfront cost for processing the facility.
Hidden Charges
Founder-certified: 0.50% of limit. Hidden charges capture official costs that are easy to miss during selection.
Rules To Keep
Eligibility
MSMEs, LLPs, Traders, Self-employed; Last 3 years ITR required. Eligibility states the official customer requirements for the product.
Watch Out For
Rate Type
floating. Rate type states the official interest calculation method — fixed, floating, hybrid, or flat.
Verified From
Verified From
https://media.base44.com/files/public/69e73b5a6a274d6bb992d354/57fc8bdbd_FounderCertifiedLoanMasterPDFV1.pdf. The official source reference proves where the product data was verified. Use this to verify the source before applying.
Ask Product AI
Ask scenarios, calculations, or clarification without expanding this page.
Verified Information
Verified Source
https://media.base44.com/files/public/69e73b5a6a274d6bb992d354/57fc8bdbd_FounderCertifiedLoanMasterPDFV1.pdf
Verification Date
2026-07-21
Founder Certified
Yes — Founder Certified
State Bank of India
SBI e-Smart SME Loan
e-Smart SME
Best for businesses with certified turnover.
Interest Rate
9.75% – 24% p.a.
Interest Type
floating
Processing Fee
1%-2%
Loan Amount
from ₹1,00,000 | up to ₹1,00,00,000
Loan
India's first fully digital MSME loan — no branch visit needed
Key Numbers
Minimum Interest Rate
9.75% p.a.. The minimum official rate defines the lowest certified pricing or return boundary for this product.
Loan Amount
₹1 lakh. Loan amount states the official minimum or maximum funding boundary.
Available Tenures
0 months. Available tenures show the official duration range for this product.
Best For
msme. Best For identifies the official customer segment, product family, or highlighted fit signal.
What It Costs
Processing Fee
Founder-certified: 1%-2%. Processing fee is the official upfront cost for processing the facility.
Hidden Charges
Founder-certified: 1%-2%. Hidden charges capture official costs that are easy to miss during selection.
Rules To Keep
Turnover Requirement
Founder-certified: ₹25,00,000 p.a.. Turnover requirement states the official business scale requirement.
Eligibility
Business vintage 2+ years, GST registered, annual turnover ₹25L+, CIBIL 650+. Eligibility states the official customer requirements for the product.
Watch Out For
Rate Type
floating. Rate type states the official interest calculation method — fixed, floating, hybrid, or flat.
Verified From
Verified From
https://media.base44.com/files/public/69e73b5a6a274d6bb992d354/a3ffd8edb_FounderCertifiedLoanCompletionPDFV2.pdf. The official source reference proves where the product data was verified. Use this to verify the source before applying.
Ask Product AI
Ask scenarios, calculations, or clarification without expanding this page.
Verified Information
Verified Source
https://media.base44.com/files/public/69e73b5a6a274d6bb992d354/a3ffd8edb_FounderCertifiedLoanCompletionPDFV2.pdf
Verification Date
2026-07-09
Founder Certified
Yes — Founder Certified
Kotak Mahindra Bank
Kotak Business Loan
Term Loan
Best for established businesses meeting vintage requirement.
Interest Rate
11% – 24% p.a.
Interest Type
floating
Processing Fee
1%-2%
Loan Amount
from ₹1,00,000 | up to ₹75,00,000
Loan
Collateral-free business loan up to ₹75L — quick digital process
Key Numbers
Minimum Interest Rate
11% p.a.. The minimum official rate defines the lowest certified pricing or return boundary for this product.
Loan Amount
₹1 lakh. Loan amount states the official minimum or maximum funding boundary.
Available Tenures
0 months. Available tenures show the official duration range for this product.
Best For
msme. Best For identifies the official customer segment, product family, or highlighted fit signal.
What It Costs
Processing Fee
Founder-certified: 1%-2%. Processing fee is the official upfront cost for processing the facility.
Hidden Charges
Founder-certified: 1%-2%. Hidden charges capture official costs that are easy to miss during selection.
Rules To Keep
Business Vintage
2 years. Business vintage states the official minimum operating history requirement.
Turnover Requirement
Founder-certified: ₹25,00,000 p.a.. Turnover requirement states the official business scale requirement.
Eligibility
Business vintage 2+ years, GST registered, annual turnover ₹25L+, CIBIL 650+. Eligibility states the official customer requirements for the product.
Watch Out For
Rate Type
floating. Rate type states the official interest calculation method — fixed, floating, hybrid, or flat.
Verified From
Verified From
https://www.kotak.com/en/business-banking/loans/business-loan.html. The official source reference proves where the product data was verified. Use this to verify the source before applying.
Ask Product AI
Ask scenarios, calculations, or clarification without expanding this page.
Verified Information
Verified Source
https://www.kotak.com/en/business-banking/loans/business-loan.html
Verification Date
2026-07-09
Founder Certified
Yes — Founder Certified
Kotak Mahindra Bank
Business Loan
Best for businesses with certified turnover.
Interest Rate
11% – 24% p.a.
Interest Type
floating
Processing Fee
1%-2%
Loan Amount
from ₹1,00,000 | up to ₹75,00,000
Loan
business. Best For identifies the official customer segment, product family, or highlighted fit signal.
Key Numbers
Minimum Interest Rate
11% p.a.. The minimum official rate defines the lowest certified pricing or return boundary for this product.
Loan Amount
₹1 lakh. Loan amount states the official minimum or maximum funding boundary.
Available Tenures
5 months. Available tenures show the official duration range for this product.
Best For
business. Best For identifies the official customer segment, product family, or highlighted fit signal.
What It Costs
Processing Fee
Founder-certified: 1%-2%. Processing fee is the official upfront cost for processing the facility.
Hidden Charges
Founder-certified: 1%-2%. Hidden charges capture official costs that are easy to miss during selection.
Rules To Keep
Turnover Requirement
Founder-certified: ₹25,00,000 p.a.. Turnover requirement states the official business scale requirement.
Eligibility
Business vintage 2+ years, GST registered, annual turnover ₹25L+, CIBIL 650+. Eligibility states the official customer requirements for the product.
Watch Out For
Rate Type
floating. Rate type states the official interest calculation method — fixed, floating, hybrid, or flat.
Verified From
Verified From
https://www.kotak.com/en/personal-banking/business-loan. The official source reference proves where the product data was verified. Use this to verify the source before applying.
Ask Product AI
Ask scenarios, calculations, or clarification without expanding this page.
Verified Information
Verified Source
https://www.kotak.com/en/personal-banking/business-loan
Verification Date
2026-07-21
Founder Certified
Yes — Founder Certified
Ujjivan Small Finance Bank
Ujjivan Micro Business Loan
Micro Business
Best for established businesses meeting vintage requirement.
Interest Rate
9.25% – 24% p.a.
Interest Type
flat rate
Processing Fee
Up to 1%-2% + GST
Loan Amount
from ₹10,000 | up to ₹5,00,000
Loan
Financial inclusion loans for micro entrepreneurs
Key Numbers
Minimum Interest Rate
9.25% p.a.. The minimum official rate defines the lowest certified pricing or return boundary for this product.
Loan Amount
₹10,000 (Founder-certified). Loan amount states the official minimum or maximum funding boundary.
Available Tenures
5 months. Available tenures show the official duration range for this product.
Best For
msme. Best For identifies the official customer segment, product family, or highlighted fit signal.
What It Costs
Processing Fee
Founder-certified: Up to 1%-2% + GST. Processing fee is the official upfront cost for processing the facility.
Hidden Charges
Founder-certified: Up to 1%-2% + GST. Hidden charges capture official costs that are easy to miss during selection.
Rules To Keep
Business Vintage
Founder-certified: 1 year. Business vintage states the official minimum operating history requirement.
Eligibility
Udyam registered; Min 2 years active business vintage; Bureau score ≥ 600–650. Eligibility states the official customer requirements for the product.
Watch Out For
Foreclosure
Founder-certified: 4% of outstanding principal. Foreclosure states the official full early-closure rule or charge.
Rate Type
flat_rate. Rate type states the official interest calculation method — fixed, floating, hybrid, or flat.
Verified From
Verified From
https://media.base44.com/files/public/69e73b5a6a274d6bb992d354/57fc8bdbd_FounderCertifiedLoanMasterPDFV1.pdf. The official source reference proves where the product data was verified. Use this to verify the source before applying.
Ask Product AI
Ask scenarios, calculations, or clarification without expanding this page.
Verified Information
Verified Source
https://media.base44.com/files/public/69e73b5a6a274d6bb992d354/57fc8bdbd_FounderCertifiedLoanMasterPDFV1.pdf
Verification Date
2026-07-21
Founder Certified
Yes — Founder Certified
Jana Small Finance Bank
Jana Micro Business Loan
Micro Business
Best for established businesses meeting vintage requirement.
Interest Rate
11% – 26% p.a.
Interest Type
flat rate
Processing Fee
1.5%-2.5%
Loan Amount
from ₹10,000 | up to ₹50,00,000
Loan
Collateral-free micro business lending
Key Numbers
Minimum Interest Rate
11% p.a.. The minimum official rate defines the lowest certified pricing or return boundary for this product.
Loan Amount
₹10,000 (Founder-certified). Loan amount states the official minimum or maximum funding boundary.
Available Tenures
15 months. Available tenures show the official duration range for this product.
Best For
msme. Best For identifies the official customer segment, product family, or highlighted fit signal.
What It Costs
Processing Fee
Founder-certified: 1.5%-2.5%. Processing fee is the official upfront cost for processing the facility.
Hidden Charges
Founder-certified: 1.5%-2.5%. Hidden charges capture official costs that are easy to miss during selection.
Rules To Keep
Business Vintage
Founder-certified: 1 year. Business vintage states the official minimum operating history requirement.
Eligibility
Self-employed individuals, retail/wholesale entities; Min 2 years track. Eligibility states the official customer requirements for the product.
Watch Out For
Rate Type
flat_rate. Rate type states the official interest calculation method — fixed, floating, hybrid, or flat.
Verified From
Verified From
https://media.base44.com/files/public/69e73b5a6a274d6bb992d354/57fc8bdbd_FounderCertifiedLoanMasterPDFV1.pdf. The official source reference proves where the product data was verified. Use this to verify the source before applying.
Ask Product AI
Ask scenarios, calculations, or clarification without expanding this page.
Verified Information
Verified Source
https://media.base44.com/files/public/69e73b5a6a274d6bb992d354/57fc8bdbd_FounderCertifiedLoanMasterPDFV1.pdf
Verification Date
2026-07-09
Founder Certified
Yes — Founder Certified
ICICI Bank
ICICI Bank Unsecured SME Business Loan
Unsecured SME
Best for businesses with certified turnover.
Interest Rate
11% – 24% p.a.
Processing Fee
2% of loan amount + GST
Loan Amount
from ₹1,00,000 | up to ₹10,00,00,000
Min Turnover
₹25,00,000 p.a.
Loan
Collateral-Free SME Loan | Instant Disbursement | 11-18% p.a.
Key Numbers
Minimum Interest Rate
11% p.a.. The minimum official rate defines the lowest certified pricing or return boundary for this product.
Loan Amount
₹1 lakh. Loan amount states the official minimum or maximum funding boundary.
Available Tenures
5 months. Available tenures show the official duration range for this product.
Best For
msme. Best For identifies the official customer segment, product family, or highlighted fit signal.
What It Costs
Processing Fee
Founder-certified: 2% of loan amount + GST. Processing fee is the official upfront cost for processing the facility.
Hidden Charges
Founder-certified: 2% of loan amount + GST. Hidden charges capture official costs that are easy to miss during selection.
Rules To Keep
Turnover Requirement
Founder-certified: ₹25,00,000 p.a.. Turnover requirement states the official business scale requirement.
Eligibility
Business vintage 2+ years, GST registered, annual turnover ₹25L+, CIBIL 650+. Eligibility states the official customer requirements for the product.
Verified From
Verified From
https://media.base44.com/files/public/69e73b5a6a274d6bb992d354/e86af41b6_Document217.pdf. The official source reference proves where the product data was verified. Use this to verify the source before applying.
Ask Product AI
Ask scenarios, calculations, or clarification without expanding this page.
Verified Information
Verified Source
https://media.base44.com/files/public/69e73b5a6a274d6bb992d354/e86af41b6_Document217.pdf
Verification Date
2026-07-21
Founder Certified
Yes — Founder Certified
Ujjivan Small Finance Bank
Ujjivan Agriculture Loan
Agriculture & Livestock
Best for businesses funding expansion.
Interest Rate
9.25% – 24.80% p.a.
Interest Type
floating
Processing Fee
Up to 1%-2% + GST
Loan Amount
from ₹1,00,000 | up to ₹3,00,000
Loan
agri. Best For identifies the official customer segment, product family, or highlighted fit signal.
Key Numbers
Minimum Interest Rate
9.25% p.a.. The minimum official rate defines the lowest certified pricing or return boundary for this product.
Loan Amount
₹1 lakh. Loan amount states the official minimum or maximum funding boundary.
Available Tenures
3 months. Available tenures show the official duration range for this product.
Best For
agri. Best For identifies the official customer segment, product family, or highlighted fit signal.
What It Costs
Processing Fee
Founder-certified: Up to 1%-2% + GST. Processing fee is the official upfront cost for processing the facility.
Hidden Charges
Founder-certified: Up to 1%-2% + GST. Hidden charges capture official costs that are easy to miss during selection.
Rules To Keep
Eligibility
Farmer / livestock owner · Indian resident · Age 21-60 · Land or livestock as activity proof · CIBIL 600+ · Rural/semi-urban location. Eligibility states the official customer requirements for the product.
Watch Out For
Foreclosure
Founder-certified: 4% of outstanding principal. Foreclosure states the official full early-closure rule or charge.
Rate Type
floating. Rate type states the official interest calculation method — fixed, floating, hybrid, or flat.
Verified From
Verified From
https://media.base44.com/files/public/69e73b5a6a274d6bb992d354/a3ffd8edb_FounderCertifiedLoanCompletionPDFV2.pdf. The official source reference proves where the product data was verified. Use this to verify the source before applying.
Ask Product AI
Ask scenarios, calculations, or clarification without expanding this page.
Verified Information
Verified Source
https://media.base44.com/files/public/69e73b5a6a274d6bb992d354/a3ffd8edb_FounderCertifiedLoanCompletionPDFV2.pdf
Verification Date
2026-07-21
Founder Certified
Yes — Founder Certified
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