Fuel your business growth with hassle-free financing. CGTMSE, OD/CC/DLOD, and collateral-free options available.
A business loan from Universes helps you access funds from top banks and NBFCs at competitive interest rates. Whether you need working capital, funds for expansion, or equipment financing, we find the right match for your business.
As an authorised channel partner, we have relationships with 15+ lenders, ensuring you get the best possible terms. Our team handles the entire process — from application to disbursal — so you can focus on your business.
Our flagship product for MSMEs
CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises) is a government initiative that provides collateral-free credit to MSMEs. The trust guarantees up to 85% of the loan amount, eliminating the need for collateral or third-party guarantees.
This scheme is ideal for first-generation entrepreneurs and small businesses that lack assets to pledge as collateral but have viable business plans.
Withdraw more than your account balance up to a sanctioned limit. Interest charged only on the utilized amount. Ideal for managing cash flow gaps.
Short-term financing against inventory or receivables. Perfect for working capital needs. Repay and reborrow as needed within the limit.
Demand Loan cum Overdraft facility combining the benefits of both. Flexible repayment with overdraft convenience for business operations.
Don't have assets to pledge? No problem. We arrange collateral-free loans up to ₹50 Lakh for business owners with 2+ years of operations. The loan is approved based on your business turnover, credit score, and financial health.
Get in touch with our experts and find the best loan for your business.
