MSME Loan Overview
LoanPao’s MSME Loan in India 2025 provides financing up to ₹10 crore for micro, small, and medium enterprises to support working capital, business expansion, or equipment purchase. With competitive rates of 7%–15% p.a. and tenures up to 7 years, LoanPao partners with 500+ RBI-compliant lenders, including banks and NBFCs, to offer approvals within 2–7 days. Aligned with MSME Ministry schemes like PMEGP, CGTMSE, and MUDRA, these loans empower businesses to scale. For specialized financing, explore our MSME Equipment Loan or Machinery Loan pages.
Apply below or use our EMI Calculator to plan repayments. Contact us at +91-971-769-5334 for personalized assistance.
Benefits of MSME Loan
High Loan Amount
Up to ₹10 crore for business needs.
Competitive Rates
Starting at 7% p.a.
Flexible Tenure
Up to 7 years for repayment.
Trusted Lenders
500+ RBI-compliant banks and NBFCs.
Digital Process
Online application with e-KYC.
Collateral-Free Options
CGTMSE and MUDRA-backed loans available.
Eligibility Criteria
| Criteria | Details |
|---|---|
| Business Type | Micro, Small, or Medium Enterprises with Udyam registration |
| Business Vintage | Minimum 1 year of operation |
| Turnover | ₹10 lakh p.a. (minimum) |
| CIBIL Score | 650+ for better terms |
| Loan Amount | ₹1 lakh–₹10 crore |
| Collateral | Collateral-free under CGTMSE/MUDRA; secured options available |
Verify your eligibility with our CIBIL login tool or contact info@loanpao.in.
Documents Required
- Udyam Registration Certificate
- KYC: Aadhaar, PAN of proprietor/partners
- GST Returns: Last 12 months
- Income Proof: ITR for 2 years
- Bank Statements: Last 12 months
- Business Plan/Project Report
- Business License and Address Proof
How to Apply for MSME Loan
Apply with LoanPao in 3 simple steps:
- Fill the form below with business and loan details.
- Upload KYC, financials, and business plan via e-KYC.
- Get approval within 2–7 days and funds shortly after.
Start your application or call +91-971-769-5334 for support.
Compare MSME Loan Providers
| Provider | Interest Rate (p.a.) | Loan Amount | Tenure | Processing Fee |
|---|---|---|---|---|
| SIDBI | 7%–10% | ₹10 lakh–₹10 crore | 1–7 years | 0.5–1% |
| ICICI Bank | 8%–12% | ₹5 lakh–₹5 crore | 1–5 years | 0.5–2% |
| Bajaj Finance | 9%–15% | ₹5 lakh–₹3 crore | 1–5 years | 1–2% |
Note: Rates and terms are indicative and subject to change. Contact LoanPao for updated offers (July 2025).
Types of MSME Loans
LoanPao offers various MSME Loan options:
- Working Capital Loan: For operational expenses like inventory and salaries.
- Equipment Finance: For purchasing machinery (see MSME Equipment Loan).
- Business Expansion Loan: For opening new branches or increasing capacity.
- MUDRA Loans: Collateral-free loans under PMMY (up to ₹10 lakh).
- CGTMSE Loans: Collateral-free loans up to ₹2 crore.
Why Choose LoanPao for MSME Loan?
Wide Lender Network
Compare offers from 500+ RBI-compliant lenders.
Fast Approvals
Approvals within 2–7 days.
24/7 Support
Contact us at +91-971-769-5334 or info@loanpao.in.
Tips for a Successful MSME Loan Application
- Ensure valid Udyam registration for MSME benefits.
- Maintain a CIBIL score of 650+ for better rates.
- Prepare a detailed business plan outlining loan usage.
- Keep GST and ITR filings up to date for quick verification.
- Use our EMI Calculator to align EMIs with cash flow.