MSME Finance Solutions
Empowering Small Businesses with Smart, Structured Financial Solutions
At Fortune Capital, we understand that Micro, Small, and Medium Enterprises (MSMEs) form the backbone of India’s economic growth.
We are committed to helping entrepreneurs and business owners achieve their full potential through innovative financial solutions that ensure liquidity, sustainability, and long-term success.
Our MSME Finance suite includes both Fund-Based and Non-Fund Based facilities—carefully designed to meet diverse business needs, enhance operational efficiency, and strengthen market credibility.
What is MSME Finance?
MSME Finance refers to specialized lending and trade support products that empower small and medium businesses to manage their cash flow, fulfill orders, and expand operations.
Fortune Capital offers two main categories:
Fund-Based MSME Loans
These facilities provide direct financial support to maintain liquidity and fund business expansion.
Overdraft (OD) Facility
- Flexible access to funds from your current account up to a sanctioned limit.
- Interest charged only on the utilized amount.
- Ideal for managing short-term liquidity or seasonal cash flow variations.
Cash Credit (CC)
- A revolving limit secured against stock and receivables.
- Withdraw and repay as per business needs within the approved limit.
- Interest charged only on the utilized balance.
Demand Loan
- Short-term financing repayable on demand by the lender.
- Suitable for urgent working capital requirements.
Working Capital Demand Loan (WCDL)
- Short-term credit (typically 90–180 days) to meet working capital needs.
- Complements Cash Credit facilities for efficient fund management.
Term Loan
- Structured long-term loan for acquisition of fixed assets or business expansion.
- Available at fixed or floating interest rates with a defined repayment schedule.
Bills Purchased / Discounted
- Convert receivables into immediate cash by discounting trade bills.
- Ideal for businesses dealing with government departments or large corporates.
Non-Fund Based MSME Loans
These facilities enhance your business credibility and trade capability without immediate cash disbursement.
Bank Guarantee (BG)
- Assures performance or payment obligations to third parties.
- Commonly required for government tenders, supplier contracts, and EPC projects.
- Includes Performance, Financial, and Advance Payment Guarantees.
Letter of Credit (LC)
- Facilitates domestic and international trade by ensuring supplier payments.
- Enhances business credibility and reduces transactional risk.
Deferred Payment Guarantee (DPG)
- Supports the purchase of equipment or machinery on deferred payment terms.
- Bank guarantees installment payments to the supplier, enabling asset acquisition without upfront cash.
Key Benefits of Fortune Capital MSME Finance
✓ Comprehensive financing suite combining Fund-Based and Non-Fund Based products.
✓ Optimized cash flow management and liquidity enhancement.
✓ Improved trade credibility and vendor confidence.
✓ Expert structuring and advisory for customized financial planning.
✓ Transparent processing with faster turnaround times.
Eligibility Criteria
- Registered MSME under the MSMED Act.
- Minimum of 2 years in business operations.
- Valid GST registration, financial records, and satisfactory credit profile.
- Good repayment history and acceptable CIBIL score.
Why Partner with Fortune Capital?
- Extensive partnerships with leading banks and NBFCs across India.
- Tailored solutions to match your business life cycle & cash flow pattern.
- End-to-end documentation, compliance, and support services.
- Dedicated financial experts for seamless loan processing and guidance.
Empower Your Business Growth
With Fortune Capital’s MSME Finance Solutions, you gain access to structured funding, trade credibility, and strategic financial support. Our goal is to help your business scale new heights while maintaining financial stability.