Resources
Business Financing, Explained
Plain-language guides to help you understand MSME loan products and prepare before you approach a lender.
Product guides
Machinery Loans for Manufacturers and MSMEs
Use cases, eligibility factors, documents and FAQs.
Read guideBusiness Loans for Expansion and Growth
Use cases, eligibility factors, documents and FAQs.
Read guideWorking Capital Loans to Keep Your Business Moving
Use cases, eligibility factors, documents and FAQs.
Read guideCash Credit and Overdraft Facilities for Businesses
Use cases, eligibility factors, documents and FAQs.
Read guideCommercial Vehicle Loans for Transporters and Businesses
Use cases, eligibility factors, documents and FAQs.
Read guideCGTMSE Scheme-Linked Financing for Micro and Small Enterprises
Use cases, eligibility factors, documents and FAQs.
Read guide
General document checklist
A starting point for organising your papers. Lenders set their own requirements, so the final list may differ.
Identity & registration
- PAN of the business and of promoters / partners / directors
- Promoter identity and address proof, as the lender requires
- Udyam Registration certificate
- GST registration certificate
- Partnership deed, LLP agreement or MoA / AoA
Financials
- Income tax returns for recent years
- Balance sheet and profit & loss statements
- Business bank statements for recent months
- GST returns for recent periods
Proposal & existing debt
- Quotations or proforma invoices for assets to be bought
- A short note or project report on how funds will be used
- Sanction letters and statements for existing loans
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