Trusted MSME Loan Consultants Since 2015

Are multiple EMIs hurting your cashflow and working capital? 5500+ MSME owners have successfully raised installment free MSME loans under the CGTMSE scheme with our guidance. Are you next?

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Overcome Cashflow and Working Capital Struggles, and Multiple EMI Burdens with CGTMSE Loans!

5500+ MSME owners have already achieved it in the last 10 years with our guidance.

Live Workshop | Thursday, 20th Mar 2025, 8PM

We Know MSME Finance Inside Out

More than 80% of MSME owners in India are completely unaware of strategic loan instruments like Cash Credit, Letter of Credit, Bank Guarantee, Term Loan, Foreign Currency Term Loan, and Export Packing Credit.

They are also unaware of various government schemes under which they can get the above loans without collateral security.

As a result, they end up taking the wrong loans like traditional unsecured business loans and loans against property. These loans are repayable in EMIs and don’t match the financial cycles of MSME businesses.

That’s what we want to change. Our mission is to guide and handhold Indian MSMEs to get the right types of loans according to their business requirements and situations.

Our Founder and Chairman, Mr. Deepak Poddar, started Balaji Credit Services Pvt. Ltd. in January 2015. In the last 10 years, we have helped more than 500 MSME businesses raise strategic business loans under various government schemes.

We have a team of expert MSME loan consultants and ex-bankers with more than 15 years of experience in the MSME finance domain.

Whether you’re a manufacturer OR a trader OR a service provider, our expert business loan consultants can help you get the right loan to grow your MSME business.

MSME owners have been able to get strategic business loan with our guidance.

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Total amount of business loans collectively raised by all our clients.

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Manufacturers have been able to get low interest term loan for plant & machinery.

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What Our Clients Say About Us

MSME Loans

Many MSME owners unknowingly take unsuitable loans, like traditional unsecured loans or loans against property, which don’t match their financial cycles. This results in multiple EMIs, affecting cashflow, credit (CIBIL and CMR) ratings, and financial ratios.

To avoid this trap and want to grow your business at a consistent pace, our MSME loan consultants can help you in getting the right loans under the CGTMSE scheme, including:

Term Loan
Foreign Currency Term Loan
Cash Credit
Letter of Credit
Bank Guarantee
Export Packing Credit

Manufacturing Loans

Manufacturing businesses require funds for factory setup and expansion, procuring raw materials and finished goods, and operations. Since these are capital-intensive, having sufficient funds is crucial for sustenance.

Having helped 100s of manufacturing businesses, our MSME business loan consultants specialize in helping manufacturers raise loans that align with their financial needs, including:

Term Loan for factory setup and machinery.
Working Capital Loans like Cash Credit and Export Packing Credit.
Bank Guarantee and Collateral-Free Loans under the CGTMSE scheme.

Collateral Free Business Loans

Businesses that don’t have anything to offer as collateral OR have less collateral have a hard time getting a loan. To support MSME businesses, the Indian government has launched a scheme, the CGTMSE Scheme, under which they can get collateral free business loans up to ₹5 Crore.

If you are a manufacturer, trader, or service provider with healthy financial ratios and required working capital, you can qualify for a collateral-free loan.

Our expert MSME loan consultants can help you access these loans based on your eligibility.

CGTMSE Loans

The CGTMSE Scheme, launched in the year 2000, provides collateral-free loans to MSMEs. However, many businesses fail to prove eligibility for this scheme, leading to rejected applications.

As a result, it is perceived that it’s impossible to get a loan under this scheme. Well, nothing can be further from the truth.

With years of expertise, we’ve helped 100s of MSMEs secure loans under this scheme. Our MSME business loan consultants understand every nuance of the CGTMSE process and can guide you to success.

Working Capital Loans

Managing day-to-day operations like purchasing raw materials, paying suppliers, or covering payroll requires steady working capital. However, many MSMEs struggle with cashflow gaps due to delayed payments or seasonal cycles, which can disrupt operations.

Working capital loans are designed to bridge these gaps and ensure smooth business operations. Our expert MSME loan consultants can help you access the right working capital solutions according to your requirements, such as: