ritzfin.com

MSME / Working Capital Loans

An MSME Loan provides the necessary funds to grow and strengthen your business. Whether you need to expand infrastructure, buy new machinery, hire staff, or improve working capital, MSME loans are tailored to your enterprise’s financial needs. To help your business grow, manage day-to-day expenses, and maintain liquidity, we offer SME Loans and Working Capital Loans. These flexible financing solutions are designed to meet short-term and long-term business requirements—whether it’s managing cash flow, purchasing inventory, paying salaries, or expanding operations.

Features

Loan amount: ₹1 lakh – ₹5 crore (depending on business profile)

Tenure:  12 Months

Secured & unsecured loan options available

Quick approval and disbursal process

Balance transfer and top-up facility available

Rate of Interest

10.00% – 16% p.a. (may vary based on applicant profile, business vintage, and loan type)

Documents Required

Identity Proof (PAN, Aadhaar, Passport, Voter ID)

Address Proof (Utility Bill, Aadhaar, Passport)

Business Proof (GST registration, Shop Act, Partnership Deed, Incorporation Certificate)

Financial Statements (ITR, Balance Sheet, P&L for last 2–3 years)

Bank Statements (last 6–12 months)

Collateral documents (if applying for secured loan).

Partner Bank & NBFC

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