Regulated NBFC / FinTechWorking Capital Facility (CC / OD)Small Enterprise (Investment ≤ ₹10 Cr)🛡️CGTMSE CoveredVerified: 2026-09-29

Protium MSME Working Capital Loan

Primary Lending Institution:Protium Finance Ltd.

₹3 Lakh to ₹5 Crore MSME credit at 10.50% – 15.00% with Up to 5 years tenure.

Interest Rate10.50% – 15.00%Linked to EBLR / MCLR / Risk

Loan Amount Quantum₹3 Lakh to ₹5 CroreBased on turnover & project cost

Repayment TenureUp to 5 yearsWith moratorium where applicable

Collateral SecurityRequires minimum 2 years continuous commercial operations.

What's Missing: Crucial Fine-Print & Exclusion Gaps

Requires minimum 2 years continuous commercial operations.

Note: Eligo publishes these regulatory and commercial exclusions directly from bank product guidelines and CGTMSE rules to protect MSME applicants from unexpected fee debits or loan rejection surprises.

What is Protium MSME Working Capital Loan?

Engineering-driven MSME lending platform providing secured and unsecured business finance tailored to regional cash cycles.

Key Benefits & Features

Fast underwriting via regional hub network; customized loan structures; flexible collateral criteria.

Government Subsidy & Credit Guarantee Coverage

CGTMSE / Bank Guarantee / Normal Security

Enterprise Eligibility Criteria

SME business owners with active GST and commercial setup.

Business Vintage2+ Years in Operation

Min. Annual Turnover₹25.0 Lakh

Processing Fee1.50% + GST

Prepayment TermsZero prepayment penalty on floating rate loans as per regulatory norms

How to Apply (3 Verified Paths)

💼Path 1: Current Account Portal

Apply online via business net banking or approach loan account manager.

🌐Path 2: Official FinTech / Govt Portal

Apply online at https://www.protium.co.in/business-loan with digital KYC and financial statements.

🏢Path 3: SME Banking Center Walk-In

Visit nearest MSME branch of the institution with business registration and bank statements.

Eligo does not collect business loan applications or financial data. Apply directly on the verified official domain:

Visit Official Portal↗

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 Protium MSME Working Capital Loan?

Borrowers can avail ₹3 Lakh to ₹5 Crore with a repayment tenure of Up to 5 years.

What are the processing charges and collateral terms for Protium MSME Working Capital Loan?

The processing fee is 1.50% + GST. Collateral terms: Requires minimum 2 years continuous commercial operations.

What are the eligibility criteria for Protium MSME Working Capital Loan?

SME business owners with active GST and commercial setup. Minimum business vintage required is 2 year(s).

How can an applicant apply for Protium MSME Working Capital Loan?

Apply online at https://www.protium.co.in/business-loan or visit nearest branch with KYC, Udyam registration, and bank statements.