Everything you need to know about MSME Loan
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MSME Loan
A loan specifically designed for Micro, Small, and Medium Enterprises.
Available only to businesses that fall under the MSME classification (based on investment & turnover).
Business Loan
A general purpose loan offered to any type or size of business.
Not restricted to MSME criteria.
As a trusted MSME business loan service provider, KFIS helps small and growing enterprises access the right financial support at the right time.
Our MSME business loan solutions are designed to meet the diverse needs of manufacturers, traders, and service based businesses.
Whether you are looking for a suitable MSME loan for working capital or structured MSME/SME loans for business expansion, we offer loan options that align with your growth goals.
Businesses can also benefit from an unsecured MSME business loan, allowing them to secure funds without pledging collateral, making financing more accessible and struggle free.
Our success is when our customers get the chance to exceed their expectations. Check out the latest blogs.
An MSME business loan is a financing solution designed to support micro, small, and medium enterprises with working capital, expansion, equipment purchase, or day to day operational needs.
Any registered small, medium or large enterprise including manufacturers, traders, and service providers can apply for an MSME loan, subject to basic eligibility and financial criteria.
MSME/SME loans include working capital loans, term loans, equipment financing, and unsecured MSME business loans, allowing businesses to choose funding based on their requirements.
Yes, an unsecured MSME business loan can be availed without collateral. These loans are approved based on business turnover, credit score, and overall financial performance.
The MSME business loan interest rate depends on factors such as business vintage, credit history, annual turnover, and repayment capacity.
MSME business loan eligibility is generally based on business registration, minimum operational history, stable income, and acceptable credit score. Exact criteria may vary by lender.
An MSME business loan calculator helps you estimate monthly EMIs, total repayment amount, and tenure, making it easier to plan your cash flow before applying.
Most MSME loans are approved within a few working days once all documents are submitted and verified, depending on the loan amount and eligibility.
Common documents for MSME/SME loans like KYC details, business registration proof, bank statements, financial statements, and income tax returns.
An MSME business loan offers quick access to funds, flexible repayment options, competitive interest rates, and minimal documentation, making it ideal for growing businesses.
Through KFIS, you can access multiple lenders in one place instead of visiting banks individually. This helps you find the best interest rate, faster approval, and expert loan guidance, all through a single application.
KFIS partners with leading Tamil Nadu banks and trusted NBFCs that offer MSME loans and business financing solutions.
You typically need: Business registration proof (Udyam or GST). PAN and Aadhaar of owner/partners. Bank statements for 6–12 months. Financial documents like ITRs or balance sheets. KFIS provides a checklist and assists in compiling and submitting these papers correctly.
Yes it is possible to avail subsidy under government schemens and policies. We KFIS experts guide you to get government subsidies. It is applicable directly for the MSME scheme which is getting sanction for a MSME Business
In MSME loan the newly startup is considered age of business between 1 to 10 years. A MSME business which completes 12 months from the date of registration it is eligible to get MSME business loan.
