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MSME LENDING SOLUTIONS
MSMEs don’t need complicated loans , they need practical funding that supports growth without choking cash flow. Keystones helps small and medium businesses access the right lending solutions, matched to their size, stage, and ambition.
Types of MSME Lending Solutions
Choose the right MSME funding option based on your business requirement.
MSME Term Loans
Structured loans for expansion, business setup, or long-term investments.
MSME Working Capital Loans
Funds to manage daily operations, inventory, salaries, and vendor payments.
Government-Backed MSME Loans
Financing under schemes like CGTMSE with partial or zero collateral support.
MSME Equipment & Asset Loans
Loans for purchasing machinery, tools, and essential business equipment.
Turnover-Based MSME Funding
Loan eligibility linked directly to business turnover and cash flow strength.
Features and Benefits
Eligibility Criteria
Basic requirements to qualify for MSME business funding.
Applicant Type
Micro, small, and medium enterprises, proprietors, partnerships, LLPs, and companies.
Business Vintage
Minimum 1–2 years of continuous business operations.
Turnover Threshold
Turnover aligned with MSME classification norms.
Credit Profile
Acceptable CIBIL score and positive repayment history.
Compliance Status
GST and MSME registration preferred.
Documents Required
Prepare these documents to ensure quick loan processing.
Identity Proof
PAN, Aadhaar, Passport of business owners or promoters.
Business Registration Proof
MSME certificate, GST registration, Shop Act license, or incorporation papers.
Financial Documents
ITR, Profit & Loss, and Balance Sheet for last 1–2 years.
Bank Statements
Last 6–12 months of business bank account statements.
GST Returns
Filed GST returns, where applicable.
How Keystones Helps You?
Keystones simplifies MSME lending by identifying the right schemes, preparing your profile correctly, reducing rejection risks, and coordinating with banks and NBFCs , so funding supports growth, not stress.
MSME Lending Solutions EMI Calculator
Estimate your monthly EMI for MSME business loans based on loan amount, interest rate and tenure.
Monthly EMI
Total Interest Payable
Total Amount Payable
* EMI shown is indicative for MSME lending solutions. Final terms depend on lender assessment.
Talk to an MSME Loan ExpertFrequently Asked Questions
What qualifies as an MSME loan?
Are MSME loans collateral-free?
Can new businesses apply?
Is MSME registration mandatory?
How long does approval take?
Can MSME loans be used for any purpose?
Apply for MSME Loan
Your business deserves funding that works at your pace.
Apply through Keystones for MSME lending solutions that support sustainable growth , without unnecessary complexity.