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Business loans · checked 11 November 2026
Ask a bank or NBFC for a Mudra or CGTMSE-backed loan, which needs no collateral, after registering free on Udyam.
Mudra lends to micro units up to Rs 20 lakh in four tiers, a CGTMSE guarantee covers a micro or small enterprise's loan up to Rs 10 crore, and a DPIIT-recognised startup can be covered up to Rs 20 crore. Once you have venture investors, venture debt costs about 13 to 18% a year; revenue-based financing suits money that comes back fast, such as inventory or ads. In the US, start with SBA microloans of up to $50,000.
The steps 13 answers
- Are there government loan schemes (CGTMSE, MUDRA, PMEGP) I should know about before going to a bank? D2C
- What's venture debt, and when should I take it instead of - or alongside - equity? D2C
- How do I get a business loan without collateral in India? Starting Up
- What is revenue-based financing, and when is it a smarter non-dilutive option than a grant or a round? Starting Up
- How do I get a startup business loan in the US, even with no revenue? Starting Up
- How do I keep control and avoid dilution when a bootstrapped business needs a one-time cash injection but I don't want VC? Starting Up
- Should I take on debt (working capital loans, invoice financing) instead of raising equity to fund inventory? D2C
- What are the alternatives to VC and bootstrapping, like revenue-based financing, grants, or venture debt? Starting Up
- What exactly is non-dilutive funding, and why should an early founder chase it before raising VC? Starting Up
- What is revenue-based financing and how does it work for D2C brands in India? D2C
- How do I finance inventory without giving up equity? D2C
- Klub, GetVantage or Velocity - which RBF platform is actually right for my brand? D2C
- What funding options exist if I don't want to raise VC money at all? D2C
The readingMost used across these answers
- Credit Guarantee Scheme for Startups (CGSS) Read · 2 answers
- Playbook of Government Schemes and Initiatives for Startups (June 2026) Read · 2 answers
- Prime Minister's Employment Generation Programme (PMEGP) Read
- SBA Microloans Read
- SBA 7(a) loans Read
- How D2C SMEs in India Are Using Debt Financing to Scale Sustainably Read · 4 answers
- Revenue-Based Financing in India: Founder Guide Read · 4 answers
- 5 Revenue-Based Financing Platforms Enabling Early-Stage Startups Read · 2 answers
- Ultimate GetVantage Review (Plus Alternatives) Read · 2 answers
- Thinking Through Venture Debt: What It Is and How It Works Read · 2 answers
The terms
Venture DebtRevenue-Based FinancingWorking CapitalDPIIT Recognition
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