MSME / Udyam Registration
Help registering your micro, small or medium enterprise on the official Udyam portal, and keeping the registration up to date.
Loans and Investments
Business Funding for MSMEs and Startups
Help with working capital, machinery loans, MUDRA and government scheme loans, and overdraft or cash credit limits, including project reports and CMA data.
- Loans and Investments
- Project report and CMA usually 3–7 working days; lender decision usually a few weeks*
About Business Funding for MSMEs and Startups
A growing business needs money at the right time: for stock, for a new machine, or to manage the gap between paying suppliers and getting paid by customers. Banks want to see a clear plan and clean papers before they lend.
We help MSMEs and startups in Kolkata and West Bengal choose the right funding, prepare the project report and CMA data, and put together a complete bank file for our partner banks and NBFCs.
Business loans are subject to the lender's approval and credit policy. We are not the lender.
EMI Calculator
Estimate only. The actual rate, EMI and eligibility are decided by the lender.
Funding We Help You Arrange
Every lender has its own criteria. We help you prepare for them.
Working Capital Loan
Short-term funds to buy stock, pay suppliers and run day-to-day operations.
- Business vintage as required by the lender
- GST returns and bank statement
- Recent ITR and financials
Machinery Loan
Term loans to buy new or used machinery and equipment for your unit.
- Machine quotation or proforma invoice
- Project report showing repayment ability
- MSME (Udyam) registration
MUDRA and Government Scheme Loans
Loans under MUDRA and other government schemes for micro and small businesses.
- Non-farm income-generating activity
- Business plan or project report
- Scheme rules and limits as currently notified
Overdraft / Cash Credit Limit
A running limit you can draw and repay as needed, with interest only on what you use.
- Stock and debtor statements
- CMA data and audited or provisional financials
- Security as required by the bank
Project Report and CMA Data
Detailed projections, cost of project, means of finance and ratio analysis for your loan file.
- Past financials and business details
- Projected sales and costs
- Prepared in the format lenders commonly ask for
Who Needs This Service
- Proprietors, partnership firms and companies registered as MSMEs
- Traders who need working capital for stock
- Manufacturers buying new machinery or equipment
- Startups and first-time entrepreneurs looking at MUDRA or government schemes
- Businesses that want a new or higher cash credit or overdraft limit
- Service businesses that need funds to expand
Key Benefits
Right funding type
We match your need to the right product, so you do not take a term loan where a CC limit fits better.
Bank-ready project report
We prepare a clear project report and CMA data in the format lenders commonly ask for.
Scheme guidance
We explain MUDRA and other government scheme loans and whether you may qualify under current rules.
Books and compliance in order
We check your GST, ITR and accounts, which lenders look at closely.
Eligibility and Applicability
- Businesses registered as proprietorship, partnership, LLP or company
- Businesses with GST registration and returns filed, where applicable
- Businesses with ITR filed for recent years, as required by the lender
- New businesses with a clear project plan, for startup and scheme loans
Scheme limits, eligibility and security requirements are set by the government and each lender, and can change. We confirm the current rules before you apply.
Documents Commonly Required
KYC of business and owners
- PAN and Aadhaar of proprietor, partners or directors (shared securely after onboarding)
- PAN of the firm or company
- Udyam (MSME) registration certificate
- GST registration and trade licence
- Partnership deed or MOA and AOA, where applicable
Financial records
- ITR with computation for recent years
- Audited or provisional balance sheet and profit and loss account
- Bank statements for recent months
- GST returns for recent months
Loan-specific papers
- Machine quotation for machinery loans
- Stock and debtor statement for CC or OD limits
- Details of property or other security offered, if any
- Details of existing loans and sanction letters
Document requirements can vary with the lender, product and your profile. We confirm the exact list before you visit. Never share OTPs or passwords with anyone.
Step-by-Step Process
Understand the need
We discuss how much you need, for what purpose and for how long.
Review your papers
We check your financials, GST, ITR and existing loans.
Project report and CMA
We prepare the project report and CMA data for your loan file.
Lender selection and application
We suggest suitable partner lenders or schemes and submit a complete file.
Follow-up to sanction
We help answer the lender's queries and site visit questions until it decides.
Estimated Timeline and Fees
Estimated timeline
Project report and CMA usually 3–7 working days; lender decision usually a few weeks
Secured loans, site inspections and scheme loans can take longer. Timelines are indicative only.
Our service fee
Our service fee depends on the loan size and whether a project report and CMA data are needed. You get a written quote first.
Lender / third-party charges
Lenders may charge processing fees, valuation and legal fees, stamp duty and GST. These are separate from our fee.
* Loan approval, interest rate, limit and security are decided by the lender under its credit policy and the rules of any scheme.
Common Mistakes to Avoid
- Using a short-term limit to buy long-term assets
- Showing low income in ITR and then asking for a large loan
- Late or missing GST returns
- Unrealistic projections in the project report
- Not disclosing existing loans to the lender
Frequently Asked Questions
What is CMA data?
CMA data is a set of past and projected financial statements and ratios that banks use to assess working capital and term loans.
Can a new business get a loan?
Some schemes and lenders support new businesses with a good project plan. Terms are usually stricter. We explain what may suit you.
Is collateral always needed?
Not always. Some scheme loans and smaller limits may not need collateral. This depends on the lender and current scheme rules.
Do I need MSME registration?
Many lenders and schemes ask for Udyam registration. We can help you register if you do not have it.
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GST Registration
Help with checking whether you need GST registration, preparing documents and filing the application on the GST portal.
Accounts Management
Monthly or periodic accounting, reconciliations and management summaries for small businesses, startups and companies.
Personal, Business, Home and Vehicle Loans
Help choosing and applying for personal, business, home, property, vehicle and education loans through our partner banks and NBFCs.
Talk to Our Team
Have a Question About Business Funding?
Call, WhatsApp or visit our office. We will explain what applies to you, the documents needed and all charges before you decide.
- Callback during office hours
- Written quote before any work begins
- No obligation to proceed
Speak to an expert
Tell us what you need. We will explain the documents, process and fees before you decide.
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