Financing for
Growth-Driven SMEs
Fast, flexible, and secure business financing designed for your growth journey. Get the backup your business needs to scale.
Powering Your Business Ambitions
Precision-engineered financial products designed to scale with your business. Choose the path that fits your growth.
Working Capital Loans
For day-to-day operations (buying raw materials, paying wages). Includes Cash Credit (CC) and Overdraft (OD) facilities.
- Cash Credit (CC)
- Overdraft (OD)
- Daily operations
Term Loans
Used for long-term investments like business expansion or buying office space.
- Business expansion
- High value
- Structured EMI
Machinery/Equipment Finance
Loans specifically to purchase plant machinery. The machine itself usually acts as the collateral.
- Machine as collateral
- Tax benefits
- Up to 80% funding
Invoice Discounting
Allows you to get immediate cash by 'selling' your unpaid invoices to a lender.
- Immediate cash
- Unpaid invoices
- Short-term
SME Financing by the Numbers
Explore key market figures, credit growth patterns, and interest rates across product categories.
MSME Credit Gap
₹25 Lakh Cr
Estimated credit deficit for formal MSMEs in India
GDP Contribution
30%
Share of MSMEs in India's total Gross Domestic Product
Avg. Disbursal Time
48-72 Hrs
Fast digital-first processing and document verification
MSME Credit Growth
+15.4%
Year-on-Year increase in credit demand and formal lending
Interest Rate Range & Limits
Comparison of minimum and maximum APRs by loan product
*Actual rates depend on promoter profile, business vintage, and credit score.
Formal MSME Credit Growth
Annual credit flow to Indian MSMEs (in ₹ Lakh Crore)
*Source: RBI Annual Financial Reports on MSME Lending Growth trends in India.
Unsecured Loans vs Secured LAP vs Equipment Finance
Compare interest rates, tenure options, and collateral requirements to find the ideal financing structure for your enterprise.
SME Unsecured Business Loan
Collateral-free funding for fast business growth, operational capital, or inventory management.
SMEs looking for quick business capital without pledging assets.
12% - 18% p.a.
12 to 60 months
No Collateral Required
- Zero asset pledging
- Minimal documentation
- Disbursed in 48-72 hours
Secured Loan (LAP)
Unlock high-value funding by leveraging your commercial or residential property as security.
Large-scale expansion, debt consolidation, or long-term business investments.
9.0% - 13% p.a.
Up to 15 years
Residential or Commercial Property
- Lower interest rates
- Higher loan eligibility limits
- Comfortable long-term EMIs
Machinery/Equipment Finance
Finance the purchase of commercial machinery or equipment with the asset itself as collateral.
Buying industrial factory machines, IT infrastructure, or medical equipment.
8.5% - 12% p.a.
Up to 5 years (linked to asset life)
The financed equipment/machinery itself
- No additional collateral needed
- Depreciation tax benefits
- Preserves operating liquid reserves
SME Loan EMI Calculator
Loan Summary
* Note: Figures are illustrative. Final rates and terms are subject to bank approval and eligibility. Consult our experts for precise details.
Benefits of our SME Loans
Accelerate your business growth with financing designed specifically for small and medium enterprises.
No Collateral Required
Get access to business funds up to ₹50 Lakhs without pledging any personal or business assets as security.
Fast Disbursal
Digital application and approval process ensures that funds reach your bank account within 24-48 hours.
Flexible Repayment
Choose a tenure that matches your business cash flow, ranging from 12 months up to 60 months.
Boost Working Capital
Ensure smooth daily operations, pay suppliers on time, and manage seasonal fluctuations seamlessly.
How Do Businesses Use SME Loans?
From expanding operations to fulfilling large orders, our flexible SME loans adapt to your unique business needs.
Inventory Purchase
Stock up on raw materials or finished goods ahead of peak season without depleting cash reserves.
Equipment Upgrade
Purchase or lease new machinery to increase production capacity and improve efficiency.
Business Expansion
Open new branches, retail outlets, or enter new geographic markets to scale your operations.
Supply Chain
Optimize your supply chain and logistics by paying vendors early or expanding your fleet.
Why Take an SME Loan?
We provide specialized funding solutions tailored to common SME requirements. Find the right product for your business need.
Working Capital
CC, OD, Working Capital Loan
Machinery Purchase
Machinery Finance
Factory Expansion
Term Loan
New Plant Setup
Project Finance
Purchase Commercial Property
Loan Against Commercial Property
Fund Based vs Non-Fund Based Limits
Not all credit facilities involve immediate cash transfer. Understand the difference to choose the right financing instrument for your specific business requirements.
Fund Based Facilities
Money is directly disbursed to the customer's account or paid to suppliers on behalf of the customer. It involves actual cash outflow from the bank.
Common Examples
- Working Capital
- Cash Credit
- Overdraft
- Term Loan
- Machinery Loan
- LAP
- Bill Discounting
Where it is used
Non-Fund Based Facilities
The bank doesn't immediately give money. Instead, it provides a guarantee or letter of credit on behalf of the client to a third party.
Common Examples
- Bank Guarantee (BG)
- Letter of Credit (LC)
- Standby Letter of Credit
- Performance Guarantee
- Financial Guarantee
Where it is used
Business Size Classification (MSME)
Understand where your business stands in the official MSME classification based on your investment and annual turnover.
Micro Enterprise
For small-scale businesses starting their growth journey.
Up to ₹2.5 Cr
Up to ₹10 Cr
Small Enterprise
For established businesses looking to scale operations.
Up to ₹25 Cr
Up to ₹100 Cr
Medium Enterprise
For large operations with significant infrastructure and revenue.
Up to ₹125 Cr
Up to ₹500 Cr
Types of Lending Partners
We connect businesses with a wide network of trusted lending institutions across India. Lender allocation depends on eligibility, credit profile, and business requirements.
Public Sector Banks
Private Sector Banks
NBFC Lenders
Specialized MSME Lenders
Industries We Serve
Providing tailored financial protection across diverse sectors.
Manufacturing, Steel & Defense
Machinery loans for Heavy Engineering, Defense, Textiles, Sugar & Ethanol.
Retail, Traders & E-commerce
Inventory financing, POS-based loans, and supply chain credit for traders.
Logistics & Shipping
Fleet expansion loans, commercial vehicle finance, and shipping vessel credit.
Eligibility Factors Considered
We look at the complete picture of your business. Here are the key factors that determine your eligibility and loan limits.
Business Vintage
Minimum 1-3 years of continuous operation depending on the lender.
Annual Turnover
Consistent revenue flow validating business size and scale.
Cash Flow Stability
Healthy month-on-month banking transactions and profitability.
Credit Profile
Promoter's CIBIL score and the company's credit history.
Industry Type
Lender policies varying by manufacturing, retail, or service sectors.
Existing Obligations
Current EMIs and debt-to-income ratios ensuring affordability.
Documents Required
Keep these documents handy to ensure a smooth and accelerated loan approval process.
Category
KYC & Identity
Category
Business Proof
Category
Financial Documents
Category
Credit & Other Reports
How It Works
A simple, transparent, and fast process to get the funds your business needs.
Application & Registration
Fill out the online application form with basic business and promoter details.
Document Submission
Upload required KYC, financial statements, and business proofs securely.
Business Assessment
Our experts evaluate your business vintage, cash flows, and creditworthiness.
Loan Sanction
Get quick approval and sanction letter with transparent loan terms.
Disbursement
Funds are transferred directly to your business account to fuel growth.
Disclaimer: Infinity Arthvishva acts as a loan facilitator and connects borrowers with lending partners. Loan approval, interest rates, and terms are determined solely by the respective lender based on credit assessment. Final terms may change based on lender policies and applicant profile.