DCT Multiservices LLP - Your Trusted Financial Partner
Office no 101,102 1st Floor,Mittal chamber building , jm road Shivaji Nagar 411005
manasbaranwal@gmail.com +91 8600143860

SME Finance

SME Finance Solutions

Smart Loans for Smart Lending to Fuel Your Business Growth

Small and Medium Enterprises (SMEs) are the backbone of the economy, but often face challenges in accessing timely and adequate finance. We offer a tailored range of SME loans designed to give your business the financial impetus it needs to thrive.

Whether your requirement is for purchasing new equipment, expanding your working capital, or simply getting an unsecured business loan, we provide flexible and customized loan options with minimal documentation and quick approval processes.

No Primary/Collateral Security Required for Unsecured Loans
Quick Approval and Disbursal in 4-5 Days*
Flexible Loan Tenure (Up to 48 Months)
Expert Legal and Technical Guidance
SME Finance and Business Loans

Apply for SME Business Finance

Take the first step towards securing your business growth funds. Fill out the application form below and our dedicated SME finance team will reach out to you.

Salient Features of Our SME Finance Solutions

We understand the urgency and diverse needs of SMEs, offering flexible, customized, and quick funding options to ensure uninterrupted growth.

Loans for Diverse Purposes

Financing available for all crucial business needs: working capital, machinery purchase, inventory, debt consolidation, and operational expansion.

Collateral-Free Options

Access unsecured business loans for quick funding without the need for providing primary or collateral security.

Flexible Repayment Terms

Enjoy loan tenures ranging from a minimum of 6 months up to 48 months, with customized loan payment options to suit your cash flow cycle.

Rapid Disbursal Process

Loan processing can be completed within 4 to 5 working days from the date of final documentation submission, ensuring you receive funds when you need them.

High Financing Limits

Depending on your eligibility and project viability, you can be financed for up to 80% of your total planned investment amount.

Pre-payment Option

You are generally allowed to prepay or foreclose your business loan after an initial period of 6 months (prepayment charges may apply).

Types of SME Finance Available

SME Finance is a major function of the general business finance market, supplying capital through various structured approaches. We facilitate loans across these types:

Collateral-Based Lending

Typically offered by traditional banks and finance companies, this involves leveraging existing business assets or contracts to secure the loan.

  • Asset-Based Finance (e.g., machinery loan, Loan Against Property)
  • Factoring and Invoice Discounting (using reliable debtors or contracts)
  • Overdraft (OD) Facility
  • Leasing and Hire-Purchase Arrangements
Information-Based Lending

This approach focuses on the company's financial health, credit history, and long-term banking relationship.

  • Financial Statement Lending (based on past performance)
  • Credit Scoring and Risk Assessment
  • Relationship Lending
  • Unsecured Business Loans
Viability-Based Financing

Associated with high-growth and innovative businesses, often requiring a strong business plan.

  • Venture Capital and Private Equity
  • Project Finance (for specific, long-term projects)

Standard Eligibility Requirements for SME Loans

To qualify for SME financing, your business must meet the following standard criteria set by most lending institutions:

Business Stability & Operations
  • Minimum Operation: The Enterprise should have been in operation for at least five years.
  • Cash Profit: Must show positive cash profit for the previous two years.
  • Business Net Worth: Should maintain a positive net worth.
  • Growth: Demonstrated growth in turnover is preferred.
Financial & Turnover Thresholds

Minimum required annual turnover (can vary by lender):

  • Manufacturing & Trading Industries: Minimum Annual Turnover of ₹40 Lacs.
  • Service Industry: Minimum Annual Turnover of ₹15 Lacs.
  • Clear banking and loan payment history is mandatory.
Eligible Business Structures

We facilitate finance for all major legal entities:

  • Proprietorship
  • Partnerships
  • Limited Liability Partnership (LLP)
  • Private Limited Company
  • Limited Company

Essential Documents for SME Finance Application

Ensure you have the following documents ready for a smooth and quick loan processing experience.

Business & KYC Documents
  • KYC documents (Age Proof, Address Proof, Signature Proof) for all involved parties (Partners/Directors).
  • Business Incorporation/Registration documents.
  • Address proof for Office and Factory/Business Premises.
  • Validation proof and tax receipts for the current year's turnover.
Financial Statements
  • Financial Statements (Audited/Certified P&L and Balance Sheets) for the last three years.
  • Income Tax Returns (ITR) for the last three years.
  • Bank Statements of the business for the past 6 months.
  • GST Returns (Latest, if applicable).
For Collateral-Based Loans

If opting for a secured loan (e.g., Loan Against Property), relevant collateral documents such as property title deeds, valuation reports, and legal clearance will also be required.

Frequently Asked Questions on SME Finance

Find detailed answers to the most common queries regarding our business loan offerings.

SME loan funds can be used for a wide range of business needs, including managing working capital gaps, purchasing new equipment or machinery, increasing inventory, business expansion projects, or consolidating high-interest business debts.

Yes. We offer unsecured business loans which generally do not require primary or collateral security. This applies whether you are a growing business or a startup (with sufficient operational history), offering a quick funding option.

Our streamlined process is designed for speed. Once all required documentation is submitted and verified, the loan processing and disbursal can typically be completed within a short period of 4 to 5 working days.

If your existing business has been in operation for more than three years and you are seeking general funding, you may only need to provide a summary of your business nature. However, if you are seeking funds for expansion or a new project, a detailed explanation of your plans, and how it will positively affect revenue, is usually required.

Generally, enterprises should have a minimum of five years of continuous operations to meet the eligibility criteria for most SME loan products, ensuring the business has sufficient stability and financial track record.
DCT Multiservices LLP - Your Trusted Financial Partner

Our Office

Office no 101,102 first floor Mittal chamber building near Panchali hotel jm road Shivaji Nagar 411005

+91 8600143860

+91 7030143860

manasbaranwal@gmail.com

sales@dctfinmultiservices.com

backoffice@dctfinmultiservices.com

manas@dctfinmultiservices.com

Services

Home Loans Business Financing Investment Advisory Insurance Solutions Tax Planning

Quick Links

About Us Contact Us Our Services Terms & Conditions Privacy Policy
© DCT Multiservices LLP, All Rights Reserved.
Design & Developed by Ans Technologies