What is the minimum CIBIL score required for a loan sanction with Sha Money Mithra Finserv?

While a CIBIL score of 700+ qualifies you for premier tier interest rates (starting 10.49% p.a.), Sha Money Mithra Finserv partners with over 35+ RBI-licensed banks and NBFCs, allowing us to approve customized financing even with moderate scores (650+) through structured guarantor or banking history assessments.

How fast can I receive in-principle approval and fund disbursement?

Through our end-to-end digital API integration with partner banks, in-principle sanction is generated in as little as 2 minutes. Once documents are verified, loan disbursement into your bank account typically occurs within 24 to 48 business hours.

Which physical regional branches does Sha Money Mithra Finserv operate in?

Sha Money Mithra Finserv operates Corporate Headquarters in Shenoy Nagar Chennai, alongside regional advisory hubs in Anna Nagar (Chennai), Coimbatore (Commercial Finance Center), Madurai (Retail Lending Hub), and Bengaluru (Tech Corridor Finance Center).

Does checking my loan eligibility affect my credit bureau score?

No. Checking your pre-approved eligibility and loan comparisons on the Sha Money Mithra platform is classified as a soft credit inquiry and has zero negative impact on your CIBIL credit score.

Business Loan — Collateral-Free SME Funding up to ₹75 Lakhs

Business Credit Solutions Built for Indian MSMEs

Up to ₹75 Lakhs Unsecured

No mortgage or collateral required for growing enterprises.

48-Hour Fast Disbursal

Direct transfer to your current account post-approval.

GST-Based Underwriting

Higher loan sanctions based on verifiable GST turnover.

Flexible Dropline Overdraft

Pay interest strictly on the capital amount you utilize.

Eligibility & Documentation Checklist

Eligibility Criteria

Business vintage: Minimum 2 years in operation
Annual turnover: Minimum ₹25 Lakhs
Proprietorship, Partnership, LLP, or Pvt Ltd
Positive cash flows and clean repayment track

Documents Required

Business PAN, GST Registration Certificate
Last 12 months' Current Account statements
Last 2 years' audited balance sheets and ITR
KYC documents of promoters/directors

Financing Tailored to Every Business Requirement

Working Capital

Smooth seasonal cash-flow bottlenecks and supplier payments.

Machinery & Capex

Procure high-efficiency production tools and industrial equipment.

Business Expansion

Open new branch outlets, hire top talent, and scale marketing.

Apply for Business Funding

Express preliminary valuation by corporate credit underwriters.

Promoter / Applicant Name *

Mobile Number *

Corporate Email

Required Funding Amount (₹) *

Business Constitution

Registered Office Location

Preferred Advisory Date

100% Confidential Evaluation

Collateral-Free Business Loans