MSME Loan Solution for Established Businesses
Structured MSME financing solutions designed for micro, small, and medium enterprises seeking growth-oriented capital from banks and regulated financial institutions. At NKB Kredit, we assist businesses in accessing secured and unsecured MSME loans by aligning borrower profiles with the most suitable lenders. Our advisory-led approach focuses on eligibility clarity, correct structuring, and risk-aligned funding—helping businesses secure capital on sustainable terms.
Our MSME Funding Capabilities
- Secured business loans against residential, commercial, or industrial property
- Unsecured MSME loans up to ₹5 Crore, subject to profile and lender norms
- Working capital facilities tailored to operational cash-flow cycles
- Bank and NBFC partnerships across India
“MSME financing delivers the best outcomes when it is structured with clarity, discipline, and lender alignment.”
CA Naresh Bansal (CEO, NKB Kredit Group)
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Why MSME Financing Matters
MSMEs are the backbone of India’s economy, driving employment, manufacturing, and services across sectors. Access to timely and well-structured credit plays a critical role in enabling their growth, stability, and long-term sustainability.
Types of MSME Loans in India
Working Capital Loans
Short-term funding structured to support operating expenses, inventory cycles, and receivables management—ensuring liquidity without disrupting day-to-day operations.
Term Loans
Purpose-specific financing structured for business expansion, equipment acquisition, or technology upgrades, with defined tenures and repayment schedules aligned to cash flows.
Machinery / Equipment Loans
Asset-backed financing for plant and machinery acquisition or upgrades, designed to preserve working capital through structured EMIs and tenure alignment.
Overdraft / Cash Credit
Flexible revolving limits linked to current accounts, allowing businesses to manage cash-flow gaps while paying interest only on the utilized amount.
Key Features & Benefits of MSME Loans
- Structured working capital and term funding designed in line with business cash flows, operational cycles, and revenue stability to support day-to-day operations and planned growth.
- Access to both secured and unsecured MSME loan facilities, evaluated based on business profile, financial strength, collateral availability (where applicable), and lender-specific credit policies.
- Flexible repayment tenures and structures aligned to cash-flow patterns, helping businesses manage EMIs comfortably without putting pressure on working capital.
- Faster and more efficient credit evaluation through streamlined documentation, accurate lender mapping, and reduced trial-and-error in loan applications.
- Improvement in long-term credit profile, enabling businesses to qualify for higher limits, improved pricing, and better lending terms over time.
Get Expert MSME Loan Assessment
Connect with an MSME loan advisor to evaluate eligibility, funding options, and next steps—before making any application decision.
Our MSME Funding Process
Our MSME funding process is designed for established businesses seeking structured capital from banks and regulated financial institutions—with clarity, discretion, and lender alignment at every stage.
1. Requirement & Financial Review
We begin with a focused review of your funding requirement, business model, and financial position to establish feasibility and capital structure suitability before any lender engagement.
2. Credit Structuring & Lender Mapping
Based on eligibility and cash-flow assessment, the loan is structured—working capital, term loan, or asset-backed—and mapped to the most appropriate bank or NBFC aligned to your profile.
3. Application Management & Credit Coordination
Documentation and application are managed with precision, ensuring alignment with lender credit criteria while actively coordinating and tracking progress through the approval process.
4. Sanction Oversight & Disbursement
Support continues through sanction and disbursement, ensuring terms are clearly understood and funds are credited smoothly to your account.
Why Choose Us For Your MSME Loan?
MSME‑Focused Advisory
Advisory-led MSME funding guidance aligned to business cash flows, credit profile, and lender-specific norms.
Multiple Lenders Access
Single-point advisory access to multiple banks and NBFCs for comparative structuring on limits, tenure, and pricing.
Simple Process & Documentation
Clear documentation frameworks and process oversight to reduce rework, delays, and avoidable rejections.
Transparent & Practical Guidance
Clear guidance on loan structure, obligations, and risk considerations, focused on long-term business sustainability.
Below 3 scenario table depicts the importance of "Right Mix of Debt & Equity"
Scenario 1
100% Capital
100% funds are invested by Business Owners
Annual Return 60%
Total earning is Rs.60 lakhs for owners on the investment of Rs. 1 crore i.e. ROI is 60% p.a.
Scenario 2
50% Capital & 50% Debt @15% p.a.
Rs 50 Lakhs are borrowed @15% p.a. & owners’ capital is also 50 lakhs
Annual Return is 105%
Interest payment will be Rs. 7.50 lakhs on 50 lakhs borrowed funds & Balance profit Rs 52.50 lakhs is for owners i.e. ROI is 105% .
Scenario 3
25% Capital & 75% Debt @15% p.a.
Rs. 75 Lakhs funds borrowed for Business @15% p.a. & remaining 25 lakhs invested by owners in the Business
Annual Return is 195%
Interest payment Rs 11.25 lakhs on Rs.75 lakh borrowed funds & rest profit is Rs 48.75 lakhs for owners on their investment of Rs 25 lakh, which translates into whopping 195% ROI from Business.
Trusted by businesses across India
Vinay Modi
Proprietor @ Modi Scooter House
Vishal Marwah
Co-Founder@Indelog Solutions (P) Ltd
Pawan Badsiwal
Proprietor@ Satvik Polymers
Abhishek Negi
Chief Operating Officer @ Tagbin Services (P) Ltd
Structured MSME Funding for Established Businesses
Access structured working capital and term finance through leading banks and financial institutions. We assist established MSMEs in evaluating eligibility, structuring the right loan solution, managing documentation, and negotiating optimal terms—ensuring funding aligns with cash flows and long-term business objectives.