Complete 2025 guide to funding options, government schemes, and loan application process for MSMEs and startups
₹2 Cr
Max Collateral-Free Loan
7-14 Days
Fast Approval
35%
Max Subsidy
50 Lakh+
Businesses Funded
Starting or growing a business in India often begins with one question — how to get funding for business in India. Whether you're a small startup, a woman entrepreneur, or an MSME owner, funding is the fuel that helps your business grow, scale, and innovate.
The good news? In 2025, getting business funding in India is easier than ever — thanks to a mix of government schemes, startup programs, and collateral-free loan options.
Let's explore all the ways you can get business funding — and how to apply the right way.
Here are the major funding options for small businesses in India:
Traditional loans from public and private banks
Examples
SBI, HDFC, ICICI
Quick digital approvals from Non-Banking Financial Companies
Examples
Bajaj Finserv, Tata Capital
Subsidy-based loans with government backing
Examples
Mudra, CGTMSE, PMEGP
Seed funding and incubator support
Examples
Startup India, SIDBI
High-growth startup investment
Examples
Sequoia, Accel Partners
💡 Pro Tip: Each funding source suits a different stage — from idea to expansion — so choose what aligns with your business goals.
The government supports MSMEs and startups through multiple funding schemes and grants:
| Scheme | Is Colletral Free ? | Funding Support | Who Can Apply |
|---|---|---|---|
Mudra Loan Scheme | Yes | Up to ₹10 lakh | Micro & small businesses |
Stand Up India | Yes | ₹10 lakh to ₹1 crore | Women & SC/ST entrepreneurs |
CGTMSE Scheme | Yes | Up to ₹2 crore | New & existing MSMEs |
PMEGP | No | Subsidy up to 35% | Manufacturing & service sectors |
Startup India Seed Fund | Yes | ₹50 lakh grant | Early-stage startups |
💡 Pro Tip: If you're unsure which scheme fits your business, our MSME experts can help you find and apply for the right one — fast-tracked and error-free.
Applying for a business loan is now a quick and digital process. Follow this step-by-step guide:
Term loan, working capital loan, or MSME loan based on your needs
Verify turnover, age, credit score, and business vintage requirements
Prepare Udyam registration, GST/ITR returns, bank statements, PAN & Aadhaar
Submit via PSB Loans in 59 Minutes, Udyam, or your preferred bank/NBFC
Monitor approval updates and subsidy notifications online
Term loan, working capital loan, or MSME loan based on your needs
Verify turnover, age, credit score, and business vintage requirements
Prepare Udyam registration, GST/ITR returns, bank statements, PAN & Aadhaar
Submit via PSB Loans in 59 Minutes, Udyam, or your preferred bank/NBFC
Monitor approval updates and subsidy notifications online
Our experts assist in identifying schemes, preparing documents, and ensuring faster approvals
Many MSMEs struggle with collateral requirements. Thankfully, several schemes offer collateral-free business loans:
Up to ₹2 crore
Up to ₹10 lakh
Subsidy-based
👉 Apply online for CGTMSE loan without collateral and grow your business confidently.
Top MSME funding schemes in 2025:
Quality manufacturing with incentives
Training and funding for women entrepreneurs
Digital growth & technology adoption
Each program reduces cost and improves access to finance — making MSMEs more competitive globally.
Keep these documents ready for a smooth application process:
Getting business funding in India no longer requires long paperwork or endless visits to the bank. With the right guidance and schemes, any entrepreneur can get funding within weeks.
With dozens of active funding and mentorship programs, 2025 is the best time to start or scale your business. Whether you need collateral-free loans, tax benefits, or expert guidance, there's a scheme designed for your needs.
💬 Need help applying for the right loan or subsidy?
Our team helps MSMEs identify, apply, and fast-track funding — saving you time and increasing approval chances.
Let our experts guide you through the application process and help you secure the funding your business deserves