Brief Info About SME Loan
An SME loan is a business financing solution designed for Small and Medium Enterprises to support working capital needs, business expansion, and day-to-day operational requirements. These loans are offered by banks and NBFCs with structured repayment options and competitive interest rates, helping businesses manage cash flow and plan growth effectively. The loan amount, eligibility, and terms depend on the lender’s policies and the financial profile of the business.
At SME Loan, we help businesses access secured funding against property for long-term and working capital needs, along with unsecured business loan options that may extend up to ₹5 Crore, subject to eligibility and lender criteria.
“Fund arranging is the most challenging part of each SME business. We specialized in SME funding—debt or equity.”
CA Naresh bansal (CEO, NKB Kredit Group)
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What We Offer
Working Capital Loans
Working capital loans cover short-term financial requirements, enabling MSMEs to finance day-to-day business expenses like inventory, salaries, and overheads. These loans provide an uninterrupted cash flow for smooth business operations.
Term Loans
Term loans offer a sum of money for a definite purpose, i.e., business growth, purchase of equipment, or technology improvement. Term loans have a fixed repayment schedule and interest rates.
Unsecured Business Loan
Get an unsecured business loan with no collateral requirement, designed to support short-term needs, expansion plans, and day-to-day business expenses.
MSME Loan
Get a structured MSME loan with fixed tenure and predictable EMIs to support business expansion, equipment purchase, or working capital needs
Why Choose SME Loan
Clear & Honest Guidance
We explain every loan option in simple terms, including interest structure and applicable charges, so you always know what you are signing up for.
Multiple Lender Options
We work with multiple banks and NBFCs to help you compare offers and choose a loan that fits your business needs — not a one-size-fits-all solution.
MSME-Focused Solutions
Our loan recommendations are designed specifically for small and medium businesses, keeping cash flow, business stability, and repayment capacity in mind.
How It Works
Step 1: Share Basic Details
Tell us a few basic details about your business, such as business type, turnover, and funding requirement. This helps us understand your needs.
Step 2: Eligibility Check
Our team reviews your details and checks eligibility across suitable lenders to find realistic loan options for your business.
Step 3: Document Submission
Submit the required documents like PAN, GST, and bank statements. We guide you clearly on what is needed to avoid back-and-forth.
Step 4: Loan Processing & Offer
Once documents are verified, the lender processes your application and shares the available loan offer with applicable terms.
SME Loan Eligibility Criteria
The loan amount is decided on the basis of business revenues, profitability, and creditworthiness. The lenders check your repayment ability before lending a loan for judicious lending. Whether you require a small SME loan or require a huge quantum of money, our experts simplify the process.
1. Business should be registered as Proprietorship, Partnership, LLP, or Private Limited
2. Minimum 1–3 years of business operations, as per lender criteria
3. Stable income and regular cash flow to support repayment
4. Clean repayment history and acceptable credit profile
5. A basic business plan explaining how the loan amount will be used
Our professionals guide businesses through these requirements so that they get the best finance without unnecessary obstacles.
Talk to Our Loan Experts
Have questions about business loans or not sure which option suits your needs?
Get in touch with our team for clear guidance and reliable support throughout the process.
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.
See What Our Clients Say About Us
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
Benefits of SME Loans
1. Investment in Equipment and Technology
To stay competitive, businesses have to upgrade their infrastructures every now and then. The SME loan allows you to finance new technology and equipment that enhance efficiency, productivity, and cost of operation. In case you need new machines, better IT platforms, or automation facilities, the appropriate amount of finance places your business in a competitive position.
2. Capitalizing on Market Opportunities
Business life is more rapid, and there is an opportunity to create them spontaneously. With instant finance in your pocket via an SME loan, you can grab time-specific opportunities like buying at bulk rates, opening up new markets, or venturing into new new industries. Proper finance enables you to respond on the spur of the moment without being cash flow limited.
3. Creating Your Staff
Employees need to be hired and trained to propel business growth. An orderly SME loan can help with salary payment, recruitment costs, and employee training programs. Hiring skilled staff guarantees greater productivity, improved customer service, and a solid base for long-term success.
4. Cash Flow & Operations Costs Management
Every enterprise finds it hard to finance their day-to-day operational costs as a result of delayed payments from their customers or fluctuating seasons. You attain financial confidence with a working capital SME loan to finance salaries, rent, power, and other fixed costs without collapse.
5. Building Business Creditworthiness
On-time and frequent payment of an SME loan establishes a credit history. It increases your credibility with lenders, enabling easier access to larger funding or better terms for any subsequent loan needs.
Contact Us
1204 GD – ITL Building, B- 08,
Netaji Subhash Place, Delhi-110034
Email: ceo@nkbkredit.com
Phone: +91 7503211000, +91 9654981031