In India, Micro, Small, and Medium Enterprises (MSMEs) are the backbone of the country’s economic growth, generating employment and contributing significantly to the GDP. However, accessing credit has often been a significant challenge for such enterprises, especially for startups and small-scale businesses. This is where responsible lending plays a transformative role. At LendingKart, responsible lending […]
Yet for many MSMEs and small business owners in India, the borrowing process can still feel overwhelming. Questions like ‘What is a business loan?’, ‘How do business loans work?’, ‘How to get a business loan?’, and ‘What business loan documents are required?’ are common, especially for first-time borrowers. A business loan, in simple words,
If you’ve been trying to understand what is EBITDA, then think of it as a way to measure a company’s operating performance before certain financial and accounting costs are considered. The EBITDA full form is Earnings Before Interest, Taxes, Depreciation and Amortisation. It’s easy to understand what EBITDA means for businesses, lenders and investors.
Why MSME Loan Stress is Rising in 2026: Impact of Fuel Costs on NBFC Lending
As a result, many businesses are relying more on an MSME loan or a business loan for MSME needs to manage working capital and maintain steady cash flow. At the same time, NBFCs and digital lenders are becoming more cautious while evaluating applications, as the fuel price impact on business is now visible in
For many small businesses, especially in manufacturing, retail, logistics, and outdoor operations, the impact of heatwaves is no longer a seasonal inconvenience. It is becoming a real business challenge that is steadily increasing MSME operational costs and affecting everyday profitability. Why Heat Waves are Becoming a Business Problem Heat waves were once seen mainly
Under the Pradhan Mantri Mudra Yojana (PMMY), small businesses can apply for funding under four categories: Shishu, Kishore, Tarun, and Tarun Plus. These loans are commonly used for working capital, business expansion, machinery purchase, inventory stocking, and startup funding. One of the biggest reasons behind the popularity of Mudra loans is that many lenders
To access the passbook, your UAN must be activated and linked with your registered mobile number. Once logged in, you can view and download the passbook PDF anytime for salary tracking, withdrawals, job changes, or financial planning. Many employees also use the EPF member passbook to verify whether their employer is depositing PF contributions
