Your growth deserves the right capital.
We build the file, chase the signatures, and get MSME loans, government grants & investor capital approved so you spend your time building, not filling forms.
Funding Options Near You, Ready Now
Wherever you operate in India, our network covers 24+ states with city-level banking partners.
Local Banking Relationships & Direct Nodal Desks
We bridge the gap between Indian business owners and local bank managers, ensuring your file gets priority review with fast-track loan disbursals.
Business Term Loan
Flexible repayment tenure for established businesses looking to expand.
- No collateral up to ₹1Cr
- 12 to 60 months tenure
Working Capital Loan
Keep your cash flow running smooth for daily inventory and payroll operations.
- Overdraft facility available
- Quick 48-hour pre-approval
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Explore Your Funding Pathways
Different businesses need different capital structures. Here's how we match you with the right source.
Venture Capital & Private Equity
Connect with top-tier VC firms and PE investors for growth-stage equity funding from ₹1Cr to ₹100Cr+.
MSME Term & Working Capital
Bank loans for established MSMEs with competitive interest rates, OD/CC limits, and flexible repayment options.
CGTMSE Unsecured Loans
Get up to ₹10Cr 100% collateral-free under the Government Credit Guarantee Fund Trust scheme.
A trusted partner for MSME business loans & government scheme disbursals.
Take your business funding to new heights with our innovative advisory desk, empowering you to navigate government schemes and bank disbursals.
Check Your Funding Fit
A transparent look at key eligibility criteria so you can apply with confidence and avoid delays.
Eligibility Ledger
Reviewed as you scroll
- Mandatory
Indian Citizen / Firm Entity
Age 18–65 years, or a registered Indian company
- Required
Business Operational Tenure
Active business for 6+ months with bank transactions
- For Term Loans
Minimum Annual Turnover
Turnover starting from ₹5 Lakhs for MSME schemes
- Recommended
CIBIL / Credit Score
Score 650+ recommended (N/A for Seed Fund)
- Scheme Specific
GST / Udyam Registration
Valid registration for loans above ₹10 Lakhs
- Mandatory
Clean Financial Track Record
No active default record with commercial banks
Case File Checklist
What to keep ready
- Aadhaar Card & PAN Card
- Business Registration / Udyam Certificate
- Bank Statements (Last 6 Months)
- GST Returns (Last 2 Years)
- Income Tax Returns (2 Years)
- Business Plan / DPR Report
- Passport-Size Photographs
- Property Documents (If > ₹1Cr Loan)
Fast-Track Disbursal Tip
Digital applications submitted with complete documentation get approved 3x faster through our partner bank desks.
From First Call to Funds Disbursed
One dedicated advisor, five simple checkpoints — from initial inquiry to capital in your account.
- Funding Disbursed
- 0
- Entrepreneurs Served
- 0
- Approval Rate
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- 01
Free Consultation
Share your business goals and capital requirements directly with a Saarthiom funding advisor — 100% free with no obligation.
- 02
Eligibility Assessment
We evaluate your business profile and match you against government schemes, bank loans, and subsidy programs you qualify for.
- 03
Documentation & DPR
Our team prepares and verifies your Detailed Project Report (DPR), GST filings, and financial statements to make them bank-ready.
- 04
Direct Application Filing
Your application is submitted directly to bank managers, NBFCs, or government portals like PMEGP and Startup India for priority review.
- 05
Fast-Track Disbursal
We liaise with the bank desk and follow up continuously until the loan or subsidy is credited safely to your account.
Unlock Funding from ₹50K to ₹10Cr+
We help you navigate, structure, and apply for the best government funding schemes suited to your business.
PMMY - Mudra Loan
Pradhan Mantri Mudra Yojana offers loans under Shishu, Kishor & Tarun categories for micro-enterprises.
- No collateral required
- 3-5 year flexible tenure
- For manufacturing & services
Startup India Seed Fund Scheme
Get up to ₹50 Lakhs in seed funding from the Government of India for your innovative startup.
DPIIT Recognition
Get your startup recognized officially under Startup India.
Incubator Selection
Apply through a SISFS-approved incubator in your region.
Pitch & DPR Review
Present your business plan to the expert selection committee.
Fund Disbursement
Receive up to ₹50 Lakhs seed grant or convertible debentures.
Let Our Experts Handle Your Seed Fund Application
Our dedicated team has helped 200+ startups secure seed funding. We handle everything from DPIIT recognition to incubator pitch presentation.
Loved by 5,000+ Entrepreneurs
Real feedback from founders who secured government loans, grants, and capital with Saarthiom.
Shubham Tandon
Founder, Optum Tech
“Huge thank you to Saarthiom for our CGTMSE loan assistance. It was the key resource in our factory setup — ₹85L sanctioned without collateral!”
Meena Agarwal
Founder, GreenLeaf Organics
“Saarthiom made the PMEGP scheme effortless. Got our ₹25L subsidy sanctioned in 3 weeks. They handled everything from DPR to bank liaison.”
Rohit Sharma
CEO, Apex Auto Parts
“Getting our MSME expansion loan approved was seamless with Saarthiom advisors. Fast track documentation and zero hidden hassle.”
Anusha Jha
Director, Deloitte Partner
“Our journey truly accelerated when we approached Saarthiom for ISO & DPIIT recognition. The team handled compliance with zero friction.”
Karthik Reddy
Co-Founder, ByteStack
“Their DPIIT recognition and Seed Fund expertise is unmatched. We secured ₹50L seed funding that transformed our SaaS startup's growth.”
Shubham Tandon
Founder, Optum Tech
“Huge thank you to Saarthiom for our CGTMSE loan assistance. It was the key resource in our factory setup — ₹85L sanctioned without collateral!”
Meena Agarwal
Founder, GreenLeaf Organics
“Saarthiom made the PMEGP scheme effortless. Got our ₹25L subsidy sanctioned in 3 weeks. They handled everything from DPR to bank liaison.”
Rohit Sharma
CEO, Apex Auto Parts
“Getting our MSME expansion loan approved was seamless with Saarthiom advisors. Fast track documentation and zero hidden hassle.”
Anusha Jha
Director, Deloitte Partner
“Our journey truly accelerated when we approached Saarthiom for ISO & DPIIT recognition. The team handled compliance with zero friction.”
Karthik Reddy
Co-Founder, ByteStack
“Their DPIIT recognition and Seed Fund expertise is unmatched. We secured ₹50L seed funding that transformed our SaaS startup's growth.”
Shubham Tandon
Founder, Optum Tech
“Huge thank you to Saarthiom for our CGTMSE loan assistance. It was the key resource in our factory setup — ₹85L sanctioned without collateral!”
Meena Agarwal
Founder, GreenLeaf Organics
“Saarthiom made the PMEGP scheme effortless. Got our ₹25L subsidy sanctioned in 3 weeks. They handled everything from DPR to bank liaison.”
Rohit Sharma
CEO, Apex Auto Parts
“Getting our MSME expansion loan approved was seamless with Saarthiom advisors. Fast track documentation and zero hidden hassle.”
Anusha Jha
Director, Deloitte Partner
“Our journey truly accelerated when we approached Saarthiom for ISO & DPIIT recognition. The team handled compliance with zero friction.”
Karthik Reddy
Co-Founder, ByteStack
“Their DPIIT recognition and Seed Fund expertise is unmatched. We secured ₹50L seed funding that transformed our SaaS startup's growth.”
Abilaash S. S
Director, BNY Logistics
“My experience with Saarthiom has been transformational. When banks delayed our working capital credit line, Saarthiom got ₹1.5 Cr disbursed in 14 days.”
Sanika Deokule
Founder, HealthPulse
“Big thank you to Saarthiom! They guided us through CGTMSE collateral-free funding and helped land ₹75L for our healthtech R&D.”
Aakash T. B
Co-Founder, Goldman Infra
“Saarthiom persistently solved our machinery term loan. Got 85% equipment finance approved with minimum interest rate.”
Rishav K.
Founder, Amdocs Solutions
“Working with Saarthiom was a game changer for our tax compliance & 80G exemption. 100% recommended for any growing business.”
Fatima Sheikh
Director, Zafran Exports
“Applied for export credit through Saarthiom — ₹2Cr unsecured line. Their banking relationships made it happen in 20 days flat.”
Abilaash S. S
Director, BNY Logistics
“My experience with Saarthiom has been transformational. When banks delayed our working capital credit line, Saarthiom got ₹1.5 Cr disbursed in 14 days.”
Sanika Deokule
Founder, HealthPulse
“Big thank you to Saarthiom! They guided us through CGTMSE collateral-free funding and helped land ₹75L for our healthtech R&D.”
Aakash T. B
Co-Founder, Goldman Infra
“Saarthiom persistently solved our machinery term loan. Got 85% equipment finance approved with minimum interest rate.”
Rishav K.
Founder, Amdocs Solutions
“Working with Saarthiom was a game changer for our tax compliance & 80G exemption. 100% recommended for any growing business.”
Fatima Sheikh
Director, Zafran Exports
“Applied for export credit through Saarthiom — ₹2Cr unsecured line. Their banking relationships made it happen in 20 days flat.”
Abilaash S. S
Director, BNY Logistics
“My experience with Saarthiom has been transformational. When banks delayed our working capital credit line, Saarthiom got ₹1.5 Cr disbursed in 14 days.”
Sanika Deokule
Founder, HealthPulse
“Big thank you to Saarthiom! They guided us through CGTMSE collateral-free funding and helped land ₹75L for our healthtech R&D.”
Aakash T. B
Co-Founder, Goldman Infra
“Saarthiom persistently solved our machinery term loan. Got 85% equipment finance approved with minimum interest rate.”
Rishav K.
Founder, Amdocs Solutions
“Working with Saarthiom was a game changer for our tax compliance & 80G exemption. 100% recommended for any growing business.”
Fatima Sheikh
Director, Zafran Exports
“Applied for export credit through Saarthiom — ₹2Cr unsecured line. Their banking relationships made it happen in 20 days flat.”
Funding for Every Business Stage
Whether you are launching your first prototype or expanding factory operations, we match you with stage-specific capital.
Startup Funding
Seed capital, angel investment, and early-stage VC funding for innovative startups with high-growth potential.
- Seed Fund ₹20L - ₹50L
- Angel rounds facilitation
- Series A preparation
MSME Funding
Term loans, working capital, and government scheme funding for micro, small & medium enterprises.
- CGTMSE up to ₹10Cr
- Mudra loans & machinery
- PMEGP 35% subsidy
Agri & Rural Funding
Agricultural loans, rural enterprise funding, and agri-business expansion capital for food processing units.
- PMFME Food Subsidy
- Agri-infrastructure fund
- Cold chain financing
Built on Trust & Proven Results
Our end-to-end advisory framework turns complex government schemes and loan applications into seamless capital disbursals.
Panel-Registered Consultants
Empaneled with major banks and government scheme portals for direct access.
5,000+ Funded Businesses
Every sector, every state — a track record that speaks for itself.
7-Day Fast Documentation
Most applications filed within a week of onboarding with zero bottlenecks.
94% Loan Approval Rate
Thorough pre-screening ensures maximum chances of loan & grant approval.
Single-Window Service
Consultation, paperwork, bank follow-ups, disbursal — one team handles it all.
Success-Fee Model
Pay only when your funding is approved. Transparent process with zero hidden charges.
Why Not Go Direct to a Bank?
See how working with Saarthiom compares to navigating complex bank bureaucracy alone.
Funding Knowledge Hub
CGTMSE Scheme 2024: Complete Guide to Collateral-Free Loans up to ₹10Cr
Everything you need to know about eligibility, application process, and how to maximize your chances of approval under the CGTMSE scheme.
5 Mistakes to Avoid When Applying for PMEGP Subsidy
Common pitfalls that lead to PMEGP rejection — and how to prepare a bank-ready application that gets approved on first submission.
Startup India Seed Fund: How to Go from Idea to ₹50L Funding
A step-by-step breakdown of the SISFS application process, incubator selection, and what the review committee actually looks for.
Stay Ahead on Government Schemes & Deadlines
Weekly insights on new MSME loan schemes, PMEGP deadlines, and capital strategies — straight to your inbox.
Frequently Asked Questions
We assist with MSME loans, CGTMSE unsecured loans, PMEGP subsidy, Mudra loans, Startup India Seed Fund, venture capital funding, working capital loans, and 20+ government schemes. Our experts match you with the best option based on your business stage and requirements.