InCred MSME Business Loan (Collateral-Free)
Primary Lending Institution:InCred Financial Services Ltd.
₹5 Lakh to ₹75 Lakh MSME credit at 11.00% – 16.00% with Up to 4 years tenure.
Requires 2 years filed ITRs and clean banking track record.
What is InCred MSME Business Loan (Collateral-Free)?
Digital-first unsecured SME loan for business expansion, equipment purchase, and bridge liquidity.
Key Benefits & Features
Fast digital evaluation; minimal branch visits; customized repayment structures; no collateral.
CGTMSE / Bank Guarantee / Normal Security
Enterprise Eligibility Criteria
Self-employed professionals and business owners with good credit bureau score.
How to Apply (3 Verified Paths)
Apply online via business net banking or approach loan account manager.
Apply online at https://www.incred.com/business-loan.html with digital KYC and financial statements.
Visit nearest MSME branch of the institution with business registration and bank statements.
Documents Required Checklist
Udyam Registration Certificate, PAN, Aadhaar, Last 2 years ITR and financial statements, 12 months GST returns, 6 months bank statement.
Frequently Asked Questions
What is the maximum loan tenure and amount for InCred MSME Business Loan (Collateral-Free)?
Borrowers can avail ₹5 Lakh to ₹75 Lakh with a repayment tenure of Up to 4 years.
What are the processing charges and collateral terms for InCred MSME Business Loan (Collateral-Free)?
The processing fee is 1.50% to 2.50% + GST. Collateral terms: Requires 2 years filed ITRs and clean banking track record.
What are the eligibility criteria for InCred MSME Business Loan (Collateral-Free)?
Self-employed professionals and business owners with good credit bureau score. Minimum business vintage required is 2 year(s).
How can an applicant apply for InCred MSME Business Loan (Collateral-Free)?
Apply online at https://www.incred.com/business-loan.html or visit nearest branch with KYC, Udyam registration, and bank statements.