SME Niwas

Why SME Niwas ?

MSME FOCUS

Loan Feasibility Mapping.
Credit scoring model.
Structured loan proposal
EASY TO NAVIGATE INTERACTIVE PLATFORM

Simple loan application
Online document Upload
Loan Application Tracker
Online query resolution
DEEP UNDERSTANDING OF STAKEHOLDERS

Bridging MSME - lender gap.
Higher chance of financial closure.
Timely decision.

Application Process

Stage 1

Use Loan Advisor

Choose Loan Product

Stage 2

Login and Fill Form
Promoter Background & Financials
Business Details (Operating & Financial)
Transaction/Loan Details

Upload Documents
KYC Documents (Promoter & Business)
Balance Sheets & Bank Statements
Security Documents
Photographs , Contract Copies, Invoices (depending on Loan Product)

Choose Lenders and Submit

Stage 3

Track Application Status

Answer Lenders Queries Online

Receive Sanction

Our Products

Loan Against Property

5-10 year term loan secured by collateral property
Loan purpose to meet cashflow mismatch
Loan to Value basis location and type of property

Unsecured Business Loans

Meet cashflow mismatch of small amounts (< 1 cr) through quick financing
Credit scores and financials as well as business vintage needs to be of good quality

Equipment Finance Loan

Financing purchase of cashflow generating equipment with good resale market& value – transport, construction, medical or some manufacturing equipment
Loan to value between 50-90% depending on
Secured mainly by charge on equipment

Capex/ New Project Loan

Financing capital investments, such as construction of a plant, office, business expansion, capital equipment purchase .
Loan tenor of 5-6 years secured by charge on fixed assets and collateral

Working Capital Loan

Meet core Working capital financing
Assessment basis sufficient current assets (drawing power) or % of business turnover
Secured by charge on current assets and some collateral property

Receivable Finance Loan

Short Term Discounting of cashflows expected from good quality debtors (ideally from long term contracts or regular supply)
Primary security is the charge on the receivable and escrow of the payment by the debtors

Channel Inventory Finance Loan

Finance inventory purchase of vendors to large ecommerce platforms or distributors of large FMCG or durable good companies
Financing basis sales track record/average monthly sales, vintage of association with large company and its payment track record credit scores of promoters and health of business

Loan Against Property

5-10 year term loan secured by collateral property
Loan purpose to meet cashflow mismatch
Loan to Value basis location and type of property

Unsecured Business Loans

Meet cashflow mismatch of small amounts (< 1 cr) through quick financing
Credit scores and financials as well as business vintage needs to be of good quality

Equipment Finance Loan

Financing purchase of cashflow generating equipment with good resale market& value – transport, construction, medical or some manufacturing equipment
Loan to value between 50-90% depending on
Secured mainly by charge on equipment

Capex/ New Project Loan

Financing capital investments, such as construction of a plant, office, business expansion, capital equipment purchase .
Loan tenor of 5-6 years secured by charge on fixed assets and collateral

Working Capital Loan

Meet core Working capital financing
Assessment basis sufficient current assets (drawing power) or % of business turnover
Secured by charge on current assets and some collateral property

Receivable Finance Loan

Short Term Discounting of cashflows expected from good quality debtors (ideally from long term contracts or regular supply)
Primary security is the charge on the receivable and escrow of the payment by the debtors

Equipment Finance Loan

Financing purchase of cashflow generating equipment with good resale market& value – transport, construction, medical or some manufacturing equipment
Loan to value between 50-90% depending on
Secured mainly by charge on equipment

Working Capital Loan

Meet core Working capital financing
Assessment basis sufficient current assets (drawing power) or % of business turnover
Secured by charge on current assets and some collateral property

Unsecured Business Loans

Meet cashflow mismatch of small amounts (< 1 cr) through quick financing
Credit scores and financials as well as business vintage needs to be of good quality

Capex/ New Project Loan

Financing capital investments, such as construction of a plant, office, business expansion, capital equipment purchase .
Loan tenor of 5-6 years secured by charge on fixed assets and collateral

Loan Against Property

5-10 year term loan secured by collateral property
Loan purpose to meet cashflow mismatch
Loan to Value basis location and type of property

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Our Partners

" We are extremely happy with our experience of dealing with smeniwas.com who successfully arranged a long term Loan Against Property for our Company. The entire experience of the web portal including registration to online application was seamless and the way the platform created a proposal and credit score and presented it to our lender ensured a smooth sanction process on competitive terms "

- Rajnikant Behera , Director RSB Industries Limited