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Applying for a loan? Walk in bank-ready.
We prepare CMA data, projections and the bank's checklist for your loan.
What you send
Any one of these gets us started. Photos are fine.
- GST returns
- Last year's accounts
- Bank statement
- Invoices
Send them on WhatsApp or upload after you start. Documents are encrypted and seen only by your CA.
How we get it done
Four steps, the same for every job. You see each one ticked.
Information
ITR with computation, 2 to 3 years. Audited balance sheet and P&L, 2 to 3 years
Discussion
What is the money for: machinery, expansion, stock, receivables, or all?. How much do you need and how much can promoters bring?
Forms
Eligibility and scheme choice: plain bank loan, collateral-free up to ₹20 lakh, CGTMSE, Mudra, Stand-Up India. Prepare CMA data: existing and proposed limits, operating statement, balance sheet analysis, current assets and liabilities, MPBF, fund flow, ratios
Deliverables
Bank-ready loan file (CMA, projections, project report). Application acknowledgement with number
See what you get, free
Real formats, made with dummy data.
Sample Sample ₹30,700 leaking every month
Sample Books from your bank statement
13 bank lines, books balanced
Questions, answered the CA way
Facts, Provisions and law, Analysis, Conclusion.
MUDRA loan: collateral-free business loan up to ₹20L (Tarun Plus)
- Facts
- MUDRA provides collateral-free, guarantor-free working capital and term loans to non-farm micro and small businesses through commercial banks, microfinance institutions, and cooperative banks.
- Provisions and law
- MUDRA (Micro Units Development Refinance Agency) | PM Mudra Yojana
- Analysis
- Three categories: • Shishu: Up to ₹50,000 (new micro businesses, street vendors) • Kishore: ₹50,001 to ₹5L (established micro businesses) • Tarun: ₹5L to ₹10L (growth-stage small businesses) • Tarun Plus (new 2024): ₹10L to ₹20L (for businesses with strong repayment history) Interest rate: Determined by the lending institution (no fixed MUDRA rate), typically base rate + 1-3% for Shishu/Kishore, market rates for Tarun. Subsidised for specific sectors (SC/ST entrepreneurs, women-owned businesses, NER states). How to apply: Any PSU bank, private bank, microfinance institution. Online: udyamimitra.in. Eligibility: Non-farm business, not defaulter on any loan, MSME registration (Udyam).
- Conclusion
- Udyam Registration Certificate (MSME registration, free, online at udyamregistration.gov.in)
- Business proof, GST registration / shop licence / trade licence
- Last 2 years ITR (if available) or 6 months bank statement
- Proof of business premises (rent agreement / utility bill)
MSME Loan: Eligibility, Documentation, and the Process
- Facts
- The most accessible formal loan for Indian small businesses. MSME classification under Udyam determines eligibility for lower interest rates, priority sector lending, CGTMSE coverage, and government subsidies. Most businesses qualify but don't know the documentation trail required to get approval.
- Provisions and law
- MSMED Act 2006; RBI Priority Sector; CGTMSE Scheme; RBI Circular 2023; Udyam Portal
- Analysis
- MSME loan process, 5 stages: (1) Udyam registration (free, 10 minutes). (2) Business plan or financial projections (for new businesses) or last 2-3 years audited financials (for existing). (3) Bank application with KYC, business docs, and financial data. (4) Bank assessment, business viability, promoter track record, repayment capacity. (5) Loan offer and disbursement. For loans above ₹10L: most banks require CIBIL score of 700+ for promoter. Documents required for MSME loan: KYC (Aadhar, PAN of promoter and business). Udyam registration certificate. GST registration certificate. Bank statements (last 12 months, both personal and business). Last 2-3 years ITR with P&L and balance sheet (for existing business). Business plan with financial projections (for new business). Office/shop lease agreement or ownership proof. Trade licence if applicable.
- Conclusion
- Complete Udyam registration at udyamregistration.gov.in (free, instant, PAN-based)
- Determine loan type needed: term loan (capex) vs working capital CC/OD (operations)
- Prepare last 2-3 years ITR + audited financials or projections for new business
- Collect 12 months bank statements, both business current account and personal savings
CGTMSE: Collateral-Free Loan Guarantee for MSME
- Facts
- The single most important scheme for small businesses without property. CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises) covers 75 to 85% of the loan, removing the bank's risk of lending without collateral. Banks can then lend up to ₹2Cr without asking for property. Most business owners don't know this scheme exists.
- Provisions and law
- CGTMSE Trust; Coverage; Eligible Lenders; No Collateral
- Analysis
- The CGTMSE math: You borrow ₹50L from SBI under CGTMSE. CGTMSE guarantees 75% = ₹37.5L. SBI's actual risk: ₹12.5L (25% uncovered). For this reduced risk: SBI doesn't ask for property. You pay CGTMSE fee: 1% of ₹50L = ₹50,000/year (typically added to loan and paid monthly in EMI). Net cost: about 1% extra on loan interest. Worth it completely to get ₹50L without pledging your house. How to apply, the specific ask: Most borrowers walk into a bank and ask for "business loan." Bank officer then asks for collateral. Instead, say explicitly: "I want to apply for MSME loan under CGTMSE coverage, I understand I don't need to provide collateral." This changes the conversation. Branch managers have CGTMSE targets. They want to approve these loans. Who is a CGTMSE member? All major PSU banks are members. Private banks (HDFC, ICICI, Axis, Kotak) have limited CGTMSE participation.
- Conclusion
- Complete Udyam registration, mandatory for CGTMSE eligibility
- Prepare financials: ITR last 2-3 years, bank statements 12 months, GST returns
- Identify member bank: visit cgtmse.in → Member Institutions → find nearest active bank
- At bank: specifically ask for "MSME loan under CGTMSE scheme", use these exact words
Numbers Package
- Facts
- Stage: Financial, always in data room.
- Provisions and law
- Analysis
- Documents: Audited P&L + Balance Sheet (all years); Bank statements (12-24 months); Cap table (current + post-round); MIS / monthly financial reports; Revenue breakdown by customer/product; Unit economics (CAC, LTV, payback); Financial projections (3-5 years); GST returns (12-24 months); ITR filings; TDS returns (if employees / vendors); Outstanding liabilities / loans list.
- Conclusion
- Audited P&L + Balance Sheet (all years)
- Bank statements (12-24 months)
- Cap table (current + post-round)
- MIS / monthly financial reports
Applying for a loan? Walk in bank-ready.
A Chartered Accountant handles it. Fixed price, told before you pay.
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