Moneyplus MSME Secured Loans – Empowering Small Businesses to Dream Bigger and Grow Faster
Moneyplus MSME Loans are designed specifically for small and micro enterprises in semi-urban and rural India. Our loans help you upgrade your shop, stock inventory, expand outlets, or invest in working capital—without the burden of lengthy paperwork or complex terms.
Whether you’re just starting out or looking to scale, our MSME Loans provide the financial push your small business needs — with trust, speed, and simplicity at the core.
Who is it for? – Eligibility Criteria
If You Run a Business, You’re Already Half Eligible!
Who can apply?
Self-Employed including shop-owners, traders, manufacturers, and service providers.
Basic Eligibility
Resident of India, Age: 21-58 years, Should have a mortgageable property.
Income Eligibility
Business Registration, business running for last 3 years, Steady monthly revenue.
Documents Required
We believe in supporting entrepreneurs with integrity and purpose. To ensure responsible lending and financial inclusion, we have a simple yet robust process that ensures funds are channeled toward productive and growth-oriented business activities. Our eligibility norms help us assess the viability of your business and the quality of your collateral to deliver faster and fairer credit decisions.
To be eligible for an MSME Loan from Moneyplus, the following conditions must be met:
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The property offered as collateral must not fall under our negative area list.
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The purpose of the loan must be constructive and economically productive, such as business expansion, asset purchase, or working capital needs.
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The property should be free from any existing mortgage, and the applicant must be in clear possession of the property.
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For GPA (General Power of Attorney) properties, they must be self-occupied to be considered eligible.
We keep documentation minimal yet comprehensive to ensure a smooth and transparent approval process. Bases on Assessed Income OR Financial Documents if available:
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Duly filled Loan Application Form
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1 Recent Passport-size Photograph of both Applicant and Co-Applicant
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Income Documents (any one of the following based on applicant type):
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Income Tax Returns (last 2 years)
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Audited Balance Sheet and Profit & Loss Statement with Annexures (last 2 years)
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Form 16 or Onsite Team-verified Cash Flow Statement
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Bank Account Statements (last 6 months)
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KYC Documents (for both Applicant and Co-Applicant)
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Proof of Business Continuity/Vintage (minimum 3 years)
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Business Proof such as:
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Certificate of Practice
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Shop & Establishment Certificate
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Udyam Registration, etc.
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Apply Now for a Loan
Why Moneyplus?
Fast-Track Process
Paperwork simplified, approvals accelerated.
Easy Documentation
No need to run around — we help you gather what’s needed.
Competitive Interest Rates
Transparent & affordable repayment options.
Customer-Centric Service
We don’t just lend. We partner in your growth.
EMI Calculator
How to Apply? – Simple 4-Step Process
Applying for an MSME Secured Loan with Moneyplus is simple, transparent, and designed to suit the busy schedules of small business owners.
You can start by visiting your nearest Moneyplus branch or connect with our relationship managers in your area. Our team will guide you through a short, hassle-free application process — from initial assessment and documentation to property evaluation and final approval.
We ensure complete handholding at every step, with minimal paperwork, doorstep service, and clear communication. Whether you’re expanding your operations, purchasing equipment, or consolidating business debt, our loan process is structured to support your aspirations with speed and clarity.
Frequently Asked Questions (FAQs)
What is the maximum loan amount I can avail through a Moneyplus MSME Loan?
Moneyplus offers MSME loans typically ranging from ₹2 lakhs to ₹25 lakhs, depending on your business profile, property value, income documents, and overall eligibility. Final loan sanction is subject to internal assessments.
Do I need to provide collateral for availing the loan?
Yes, the SME Loan from Moneyplus is a secured loan product. The borrower must mortgage a residential or commercial property, which should not already be under any other mortgage and must be in the borrower’s possession.
How long does the loan approval process take?
Once all required documents are submitted and the property is verified, the loan approval process generally takes 5 to 7 working days. Our team ensures timely communication and support throughout the process.
Can I apply if my business is cash-based or informal in nature?
Yes, we cater to underserved and informal sectors as well. Even if your business is primarily cash-based, you may still be eligible. Our field team can help assess your cash flows on-site and guide you through alternate income documentation.