Working Capital & Credit Advisory for Established MSMEs.
Pune district · ₹2 Cr+ funding requirements
We don't start by sending your file to banks. We first understand your existing banking, operating cycle and funding gap, then structure the case and identify the right lender.
CC/OD Enhancement · Takeover & Realignment · Project & Machinery Finance · LC/BG · CGTMSE
Check funding eligibility (2 minutes) →
Indicative figures only. Final terms depend on lender approval.
Kritagya Capital is a business funding advisory service.
We do not lend from our own books. We assess your business, identify the funding routes that fit, prepare your file to credit standards and coordinate with lending institutions till disbursement.
Powered by Credit Core Finance - an MSME credit advisory firm working with a 90+ lender panel across nationalized, private and MNC channels.
Every requirement is different. So is the right funding route.
Working Capital
Day-to-day operations and cash flow. Usually a cash credit or overdraft limit - interest applies only on the amount you use.
Business Expansion
Funding for the next stage of growth: new capacity, new locations, new markets.
Machinery & Equipment
Term funding for machines and business assets, repaid in EMIs.
Project Finance
Structured funding for larger projects and capital investment.
Property-Backed Funding
Unlock funding against eligible business or personal property.
Structured Business Finance
For larger or more complex requirements that need a tailored structure.
Planning term funding? Get an estimated monthly EMI.
EMI applies to term-style funding - machinery, project and property-backed
loans. Working capital limits such as cash credit and overdraft do not carry a fixed EMI: interest is charged
only on utilisation.
Estimate only. Actual rate, EMI and repayment terms depend on your eligibility and the
lending institution's approval.
The right funding journey starts with understanding - not applications.
Applying everywhere damages your credit profile: every application shows up as a bureau enquiry. We assess first, then approach the lenders that actually fit your case.
- Structured assessment of your business and financial profile
- Funding routes matched to your requirement - not the other way round
- Documentation prepared to credit-desk standards
- Coordination with the lending institution till disbursement
Assess first, then apply
How We Work
Understand the business
Turnover, operating cycle, orders, existing banking and the real requirement.
Read the existing banking
Sanctions, utilisation, security, conduct, financials and GST. Free of charge.
Identify the gap
Enhancement, takeover, working-capital structure, term loan, LC/BG or CGTMSE?
Shortlist lenders, approach selectively
The case is discussed with the right lender before any formal login.
Move to sanction
We coordinate queries and next steps through to approval.
Your file is not circulated first and understood later.
See Who This Is ForBuilt for businesses planning their next move.
If any of these moments sound like yours, you're in the right place.
You need working capital
…or a higher limit than you have today.
You're planning your next step
Expansion, a machinery purchase or a new project.
You want to restructure
Reorganise or consolidate your existing business funding.
Your requirement is complex
Larger or more intricate funding needs.
No. Kritagya Capital is a business funding advisory service. All funding is provided by lending institutions after their own credit assessment and approval.
Share basic details of your business and requirement. Our team reviews the information and guides you on the relevant next steps.
No. Funding is always subject to eligibility, credit assessment, documentation and final approval by the lending institution.
The initial eligibility assessment is free. If an advisory fee applies to your engagement, it is disclosed upfront - before you proceed.
No. It depends on the funding product, your business profile and the lending institution's policy. Collateral-free routes exist for eligible businesses.
No. The initial assessment is based on the information you share. A bureau enquiry happens only when a formal application is filed, with your consent.
To begin: basic details of your business, industry, funding requirement and existing financial profile.
Don't just plan your next business move. Prepare for it.
Your next opportunity may already be in front of you. Don't wait until the requirement becomes urgent.
Subject to eligibility, credit assessment and lender approval.
You may not need a new loan. You may need a better banking structure.
Your CC is fully used
It sits near the limit in most months.
Turnover grew, the limit didn't
The sanction belongs to an earlier stage of the business.
Receivables are stretching
Customers now take 75 or 90 days, not 45.
A large order is stretching cash
Growth is consuming liquidity.
EMIs are heavy
Multiple loans take a large share of monthly cash.
Renewal is approaching
You want a second opinion before you sign.
If even one applies, request a 20-minute credit review.
What happens before we approach a lender?
We review the case first
The business, banking and requirement are understood before any bank hears from us.
No promise before appraisal
We do not promise a sanction, a rate or a limit.
No indiscriminate circulation
Your file is not sent to many banks at once.
Gaps are fixed before submission
Documentation and explanations are prepared to credit standards.
The lender route is discussed with you
You know which lenders are being considered, and why.
We say so if no change is needed
Sometimes the right answer is to stay with your current lender.
Built for established businesses with meaningful banking requirements: Manufacturing · Engineering · Auto Ancillary · EPC · Trading & Distribution · Healthcare · Education · Logistics · Food Processing · Industrial Services.
Funding advisory for MSMEs across Pune district.
Working Capital & CC/OD
Limit enhancement, takeover, LC/BG and structuring for established MSMEs.
CGTMSE Funding
Collateral-free routes for eligible micro and small enterprises.
MSME Business Loan
Machinery, expansion, property-backed and structured funding.
Balance Transfer & Top-Up
Find out whether moving your loan really saves money.
CC/OD Renewal Review
Use your annual renewal to rework limit, pricing and structure.
Pimpri-Chinchwad
Engineering, auto-ancillary and industrial-service businesses.
Bhosari MIDC
Manufacturing and engineering units.
Ranjangaon MIDC
Manufacturers and suppliers on the Pune–Ahmednagar corridor.
Shirur
Industrial, logistics and food-processing businesses.
Check Your Eligibility (2 min)
Primarily for established businesses in Pune district with annual turnover of ₹10 Cr+ and a funding requirement of ₹2 Cr+.
We're a call, chat or visit away.
Based in Pune
Koregaon Park, Pune · MSME credit advisory
Chat with us
WhatsApp business chat, anytime