Services
Eight credit services. MSME and corporate credit at the core. Advisory depth beneath. Every engagement begins with one question: what does your business actually need — and from which lender.
Established small and medium enterprises planning their next phase of growth
Access business funding without pledging property or assets as security. Through our partnerships with leading banks, NBFCs, and the CGTMSE guarantee scheme, we arrange collateral-free business loans for eligible enterprises across sectors.
Unsecured Business Loans From ₹1 Cr (case-to-case, no upper cap) under CGTMSE. Hybrid CGTMSE available for any ticket size where partial collateral is offered. Higher amounts available through select lenders with collateral.
From ₹1 Cr (case-to-case, no upper cap). Cash credit,
overdraft, ad-hoc limits structured to your operating cycle
For businesses with larger capital requirements, including factory expansion, plant and machinery procurement, and industrial project setup, we structure high-value term loans through our banking and institutional lending partners.
Ticket Size: ₹5 Cr (case-to-case, no upper cap) · Consortium arrangements for larger requirements
GOVERNMENT SCHEME LOANS
India’s central and state governments offer powerful, low-cost funding tools for eligible businesses. Most business owners either do not know they qualify or do not know how to access them. We do both.
- CGTMSE: Collateral-free credit up to ₹10 Crores for MSMEs under the Credit Guarantee Fund Trust for Micro and Small Enterprises. Hybrid CGTMSE available for larger tickets with partial collateral.
- SIDBI: Direct and scheme-linked funding for small and medium enterprises through India’s dedicated MSME development bank
- NABARD: Funding for agro processing, rural enterprises, and food sector businesses
- AHIDF: Low-interest loans for food processing and agriculture infrastructure under the Agriculture Infrastructure and Development Fund
- PSI Scheme Maharashtra: Capital subsidies and industrial incentives for new and expansion projects in Maharashtra
We manage the complete application, documentation, and follow-up process for all scheme-linked loans.
LOAN AGAINST PROPERTY
Your property is one of your most valuable assets. It can also be one of your most powerful sources of business capital. We arrange structured loans against commercial, residential, and industrial properties with competitive rates and repayment terms suited to your business.
Corporate LAP: From ₹1 Cr (caseto-case, no upper cap) · High-ticket facilities against commercial, residential, or industrial property against commercial, residential, or industrial property, with rate benchmarking across PSU, private, and MNC banks.
Multiple loans, multiple EMIs, and multiple lenders create unnecessary complexity, cost, and stress. We consolidate your existing debt into a single structured facility at a lower effective interest rate, freeing up cash flow that can be directed back into your business.
Your property is one of your most valuable assets. It can also be one of your most powerful sources of business capital. We arrange structured loans against commercial, residential, and industrial properties with competitive rates and repayment terms suited to your business.
Corporate LAP: From ₹1 Cr (caseto-case, no upper cap) · High-ticket facilities against commercial, residential, or industrial property against commercial, residential, or industrial property, with rate benchmarking across PSU, private, and MNC banks.
Access competitive home loan rates and, if you already have an existing home loan with another lender, transfer it to a better rate institution with an additional top-up facility to unlock liquidity for your personal or business requirements.
Doctors, chartered accountants, architects, lawyers, and other licensed professionals have unique financial needs. We arrange unsecured professional loans that reflect the strength of your practice and profession.
New car purchase finance and used car balance transfer with top-up facilities, structured for individual buyers and business owners. Tenure and rate matched to lender appetite and your repayment profile.
CREDIT ADVISORY
Before a file leaves our office, we audit it the way the bank’s credit committee will. TOL/TNW, DSCR, current ratio, leverage, sector benchmarks. We identify the gaps that would cause a rejection — weak ratios, over-leverage, related-party concerns, sector red flags — and restructure the proposal to clear credit committees on first submission.
Best for: Mid-market MSMEs seeking ₹5 Cr+ facilities
The single document that forms the bank credit committee’s first and most lasting impression of your business. A weak DPR is the single most common reason for rejections in India. Our CMA reports and Detailed Project Reports are prepared to the specific appraisal standards of SBI, BOB, HDFC, Axis, Kotak, and MNC lenders — with 3-year projections, ratio workings, DSCR modelling, and sensitivity scenarios.
Best for: Any business submitting a term loan, project finance, or large working capital proposal
A promoter CIBIL below 700 or an entity CMR worse than 6 will stop most applications before they start. We analyse CIBIL reports and Commercial Bureau (CMR) pulls for adverse remarks, write-offs, settlements, and inquiry patterns. Where remediation is possible, we define the 60-to-90-day path to a bankable profile.
Best for: Promoters or entities with past rejections, disputes, or sub-investment-grade profiles
Turnaround: 48 hours to diagnostic report
For businesses scaling from ₹10 Cr to ₹500 Cr turnover, the balance sheet must tell the right story before lenders see it. Promoter contribution, TOL/TNW optimisation, related-party cleanup, working-capital cycle tightening. We work alongside your CA and CFO to align the financials with banking benchmarks ahead of approaching a lender.
Best for: Businesses planning a fresh facility above ₹10 Cr or a significant lender transition
Engagement: One-time pre-sanction or ongoing retainer
Get Free Consultation for Loan
Contact Info
BM Credit Core FINSERV Pvt Ltd, Building E1 / office no 3 First floor Liberty Co-Operative Housing Society, North Main Road, Koregaon Park – Pune. 411001
+91 8956334991
info@creditcore.finance
Mon–Fri 10:00–18:00, Sat 10:00–14:00, Sun closed