MSME Financing for Procurement & Growth
Working capital, invoice discounting, project financing & purchase financing for raw material buyers and MSMEs. Powered by trusted banks & NBFCs.
Credit lines from ₹5 Lakhs to ₹5 Crores
How MSME Credit Works
Apply Online
Submit your business details and credit requirement in 2 minutes.
Get Assessed
Banks/NBFCs evaluate turnover, GST & financials.
Get Credit Line
Receive approved credit for raw material procurement.
Smart financing solutions for MSMEs
Choose a financing product that matches your procurement and growth needs. Applications are routed to our network of partner banks and NBFCs for evaluation.
Working Capital Credit
30–90 day revolving line for raw material purchase and operations
Purchase Finance
Lender pays your supplier directly; you repay on agreed credit terms
Invoice Discounting
Unlock cash tied in buyer invoices — get paid early against approved invoices
Work Order Finance
Funding against confirmed purchase orders and contracts
Vendor Finance
Anchor-led financing for your supplier network at competitive rates
Project Financing
Capital for large CAPEX, expansion and long-cycle projects
Machinery & Equipment Loan
Term loans to acquire plant, machinery and industrial equipment
Export Financing
Pre-shipment & post-shipment credit, export invoice discounting and LC-backed limits for cross-border trade
LeadXAgent is a digital aggregator. Lending decisions, sanction terms and disbursal are made solely by partner banks and RBI-registered NBFCs.
Why apply through LeadXAgent
One application, multiple partner lenders — built for raw material buyers, manufacturers and MSMEs.
Collateral-free options
Unsecured limits available based on cash flows, GST and ITR.
Minimal paperwork
Digital-first journey — most data pulled from GST, bank and bureau APIs.
Competitive rates
Multiple partner lenders evaluate your file so you see your best available offer.
Flexible tenures
Short-term revolving lines and long-term EMI structures depending on need.
Fast turnaround
Indicative offer in minutes; sanction typically within a few working days.
Transparent fees
All processing and partner fees disclosed upfront before you accept any offer.
Who can apply
Basic eligibility considered by most partner lenders. Final criteria vary by product and lender.
- Registered Indian business (Proprietorship, Partnership, LLP, Pvt Ltd)
- Operational vintage of 12+ months preferred
- Annual turnover of ₹10–15 Crore or above
- Active GST registration
- Last 6–12 months of bank statements
- Latest ITR and audited financials (for higher ticket sizes)
Apply for Credit
Takes less than 2 minutes
✔ No impact on CIBIL score · ✔ MSME compliant financing · ✔ 100% secure
Related procurement & sourcing tools
Use your approved credit line to source raw materials, import globally, or onboard verified suppliers — all on LeadXAgent.
Not ready to apply? Start with a free RFQ and capture supplier quotes first.
FAQs – MSME Business Credit
Who can apply for procurement credit?
MSMEs, traders, manufacturers, and distributors across India.
Is collateral required?
Depends on financials — both secured and unsecured credit options are available.
What is the credit period?
Typically 30, 60, or 90 days depending on approval.
How fast is approval?
Initial approval within 24–48 hours after document verification.
Not looking for credit?
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