Kritagya Capital helps established MSMEs assess and structure meaningful working-capital requirements before a suitable lender is approached.
Primary focus: established businesses with working-capital requirements generally around ₹2 Cr and above. Financial information should not be circulated to lenders without the client's knowledge and appropriate consent.
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A working-capital proposal should begin with the business, operating cycle, existing banking structure and actual requirement—not by simply collecting documents and sending the same file everywhere.
An existing working-capital limit may become inadequate as turnover and operating requirements increase.
Where appropriate, the case may involve enhancement with the existing lender, transfer to another lender or restructuring the mix of banking facilities.
For supplier, contractual and trade requirements, the working-capital structure may include appropriate non-fund-based facilities.
Depending on the business cycle, utilisation pattern and lender policy, revolving limits may be combined with WCDL or other suitable structures.
The correct structure should follow the underlying requirement—not simply the lowest advertised rate.
The review focuses on eight areas commonly examined during working-capital assessment.
Scale, historical performance and business stability.
Sanctioned limits, utilisation and adequacy.
Receivable levels, ageing and collection cycle.
Stock requirements and holding period.
Supplier credit and working-capital gap.
Turnover, profitability and consistency.
Account operations, repayments and obligations.
Why enhancement is required and how it relates to growth.
Banks and NBFCs differ in industry appetite, ticket size, security expectations, geography and internal credit policy.
We understand the nature of business, turnover, existing banking facilities, current limits, requirement and broad financial position.
Where the case appears suitable, relevant financials, GST performance, obligations, debtor/inventory position and banking conduct are reviewed.
We identify the funding gap, indicative requirement, suitable structure, key financial gaps and the documentation/explanations required.
Relevant lender categories are shortlisted only after the case has been reviewed. The proposal is not blindly circulated.
Where the engagement proceeds, we may coordinate lender discussions, credit queries, clarifications, documentation and disbursement follow-through. Final decisions remain with the lender.
CGTMSE provides eligible credit-guarantee cover to participating lending institutions for qualifying facilities under applicable scheme guidelines.
CGTMSE does not itself sanction a loan, and coverage does not guarantee approval. Borrower eligibility, business viability and lender credit assessment still Discuss.
Manufacturing, engineering and auto-ancillary businesses often face requirements linked to raw-material procurement, inventory and OEM receivable cycles.
Manufacturing, automotive, food-processing and related businesses may need structures aligned with growth, seasonality and supply-chain cycles.
Engineering, fabrication and industrial-service businesses may have funding needs influenced by debtor cycles, inventory and supplier-credit arrangements.
The starting point is the business requirement and its funding logic—not simply a lender name.
Lender options are considered only after the requirement has been assessed.
Business and financial information is handled through a controlled advisory process.
Kritagya Capital's approach is built around practical exposure to customer finance, business lending, loan origination and MSME funding requirements.
Working capital advisory evaluates a business's operating cycle, receivables, inventory, existing debt and banking structure to determine suitable fund-based and non-fund-based financing options.
Potentially. Enhancement depends on turnover, financial performance, GST, debtors, inventory, utilisation, banking conduct, projections, security and lender policy.
Yes. The requirement may involve enhancement, realignment, an additional facility or evaluation of the existing banking structure.
Potentially, subject to account conduct, existing sanction terms, financial performance, security and receiving-lender policy.
No. The requirement is reviewed first; relevant lender categories are then identified and approached selectively.
Possibly. Depending on the borrower profile and requirement, collateral-free, CGTMSE-supported, unsecured, hybrid or invoice-based structures may be considered, subject to lender assessment.
No. CGTMSE provides eligible guarantee cover to lending institutions. It does not approve the borrower's loan application.
No. Kritagya Capital provides advisory, case preparation, funding-structure assessment and coordination. The lender makes the sanction decision.
There is no universal timeline. It depends on case complexity, lender, documentation, financial clarifications, security and sanction conditions.
For businesses exploring working-capital requirements of approximately ₹2 Cr and above.
A short initial review helps determine whether the requirement is suitable for further discussion before extensive documentation is requested.
For the right MSME or project, conventional bank finance may not be the only route. Depending on eligibility, business purpose, sector and location, government-backed credit and incentive programmes can sometimes support expansion, machinery, working capital or new investment.
Eligible Micro and Small Enterprises may be considered for collateral-free credit facilities under CGTMSE, including working capital and term-loan requirements. Under the current bank-route framework, eligible facilities can be covered up to the ₹10 Cr scheme ceiling.
Important: ₹10 Cr is a scheme ceiling—not an entitlement or guaranteed sanction. The lender still assesses viability, repayment capacity, financials and the proposed requirement.
Depending on the project and eligibility, MSMEs may also explore programmes or incentives connected with SIDBI, NABARD, AHIDF and Maharashtra industrial incentives. Different schemes can support different purposes—from machinery and expansion to agriculture-linked infrastructure and eligible industrial investment.
The useful question is not simply “Which government scheme is available?” but which funding route actually fits your business, project and financial profile.