How to apply for SME Loan

1. Check Your Eligibility

• Before applying, ensure your business meets the basic eligibility criteria such as:
• Registered SME (under MSME Act or Udyam Registration)
• Minimum 1–3 years of business operations
• Valid business and financial documents
  (If unsure, our experts can help assess your eligibility instantly.)

2. Choose the Right Loan Type

• Decide the purpose of your loan:
• Working Capital Loan – For daily business operations
• Machinery/Equipment Loan – For upgrading technology or manufacturing units
• Business Expansion Loan – For opening new branches or scaling operations
• Invoice/Receivable Loan – For managing cash flow gaps
• Our team will help you select the most suitable option for your business.

3. Gather Required Documents

• Keep your KYC, business registration, financial statements, and bank records ready. You can check our SME Loan Eligibility page for a complete list of required documents.

4. Submit Your Application

• You can:
• Apply online through the Rohini Financial Services website, or
• Visit our nearest office for personalized assistance.
• Our experts will review your details and submit your application to the most suitable financial institutions or banks.

5. Loan Processing & Verification

• The lender reviews your financial documents, business profile, and credit history. Once verified, your loan moves into the approval stage.

6. Loan Approval & Disbursal

• Upon approval, you’ll receive a sanction letter detailing your loan amount, interest rate, and tenure. Funds are then disbursed directly into your business account — usually within a few working days.