How Direct Credit Is Transforming MSME Lending in India

Access to timely and affordable finance remains one of the biggest challenges for Micro, Small and Medium Enterprises (MSMEs) in India. Direct Credit is addressing this gap by simplifying the lending process and connecting businesses with the right financial solutions—quickly and transparently.

Positioned as one of India’s trusted fintech platforms, Direct Credit focuses on making business and personal finance more accessible, efficient, and borrower-friendly.

Supporting Over 10,000 MSMEs Across India

Direct Credit has already helped more than 10,000 MSMEs secure funding for their needs. The company’s work has also received recognition from the MSME department and has been honoured by Shri Nitin Gadkari ji, reflecting its contribution to strengthening the MSME ecosystem.

By understanding the unique requirements of small and mid-sized businesses, Direct Credit helps entrepreneurs move forward without unnecessary delays or complexity.

CIBIL-Friendly Credit Assessment

One of the key concerns for borrowers is the impact of loan enquiries on their credit score. Direct Credit addresses this with a soft CIBIL check that:

1. Does not affect the borrower’s CIBIL score
2. Does not show an enquiry on the credit report
3. Uses TransUnion for CIBIL checks

In addition, Direct Credit carries out legal, financial, and technical checks with the same authority as banks, ensuring a thorough yet borrower-friendly assessment process.

One Platform, Multiple Banking Options

Instead of visiting multiple banks to compare interest rates and loan terms, borrowers can rely on Direct Credit’s collaboration with multiple banks. This allows MSMEs to:

1. Compare ROI and lending options in one place
2. Save time and effort
3. Choose solutions that best fit their financial needs

This approach reduces friction and makes informed decision-making easier for business owners.

Faster Eligibility Checks

Traditional eligibility checks can take up to 15 days. Direct Credit significantly shortens this timeline by completing eligibility checks within just 24 working hours, along with a clear outcome or rejection solution. This speed is especially valuable for MSMEs that need quick access to funds to manage operations or growth plans.

Wide Range of Financial Products

Direct Credit offers a broad portfolio of financial products, including:

1. Personal loans
2. Business loans
3. Home loans
4. Loan against property
5. Used car loans
6. Warehouse loans
7. CGTMSE loans / Start-up loans
8. OD / DOD facilities
9. School and college finance
10. Hospital and equipment loans
11. Project loans
12. Raw material funding
13. Lease rental discounting
14. Machinery loans
15. Commercial and industrial loans
16. Real estate funding
17. Renewable energy funding (CNG, hydro, solar, lithium, ethanol, biofuel)

This wide coverage enables Direct Credit to cater to diverse borrower needs across sectors.

Simplifying MSME Lending

By combining quick eligibility checks, CIBIL-friendly processes, and access to multiple banks under one platform, Direct Credit is streamlining how MSMEs approach lending. The focus remains on efficiency, transparency, and ease—helping businesses spend less time navigating finance and more time building their future.

For more info visit us at www.directcredit.in

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