Central hub for MSME customers — applications, documents & support.
Government schemes that offer guarantee & subsidies for small businesses.
Short-term working capital using receivables as security.
Optimise cash flows with SCF products.
Prepare concise projections for bank processing.
Monitor business credit and rectify issues early.
Keep filings current to avoid rejection.
Compare SBI vs NBFC options for quick approvals.
Upload audited accounts, GST returns and bank statements.
Relationship managers assist with structured products.
SBI provides term loans, working capital, overdraft and specialized MSME products. For unsecured small loans government schemes (MUDRA) and CGTMSE guarantee can reduce collateral needs. For larger loans, property or machinery can be mortgaged. Banks assess turnover, profitability, credit history, GST & ITR records.
SBI’s wide product suite suits growth-stage businesses with transparent documentation and good relationships. Explore CGTMSE cover for collateral-free lending where appropriate.