Cash-flow based appraisal
We study your actual turnover, receipts and repayment capacity, so a limited credit history does not close the door.
Micro finance, made dignified
Capital that keeps small businesses moving forward.
Yunash Micro Financing and Lending Limited provides fast, transparent and affordable business finance to micro enterprises, MSME units, traders and first-time borrowers who are served poorly by traditional banking.
No hidden charges
Paperless digital application
Field-verified assessment
Loan EMI Estimator
Indicative figures only. Final terms are set after underwriting.
Loan amount
₹50,000
₹25,000
₹20,00,000
6 months
24 months
60 months
- Estimated EMI
- —
- Total interest
- —
- Total repayment
- —
Estimates use an indicative 18% p.a. rate. Not an offer of credit.
[XX,XXX]
Active loan accounts
₹[XX Cr]
Disbursed to date
[XX]
Districts served
48 hrs
Average decision time
Why Yunash
Finance built around the borrower, not the balance sheet template
We underwrite the cash flow and character of a business rather than relying entirely on collateral. That means first-time borrowers, home-based enterprises and small traders get a genuine assessment.
Decisions in 48 hours
Digital document collection and in-person verification remove the weeks of branch visits that usually delay a small business.
Transparent pricing
Interest, processing fee and every other charge are disclosed up front in writing. What is quoted is what you repay.
Responsible lending
Every borrower receives a Key Facts Statement, a cooling-off period and fair recovery conduct as per RBI guidelines.
Loan Products
Finance matched to how your business earns
Five lending products covering working capital, growth, asset purchase and enterprise formation.
Working Capital Loan
For daily operations
A revolving-style facility to fund raw materials, stock purchases, salaries and supplier payments through the business cycle.
- Loan size
- ₹50K – ₹10L
- Tenure
- 12 – 36 months
- Interest from
- 14.5% p.a.
MSME Term Loan
For growth & expansion
Fixed-tenure finance for machinery, equipment, capacity expansion and setting up new units or outlets.
- Loan size
- ₹1L – ₹25L
- Tenure
- 24 – 60 months
- Interest from
- 13.75% p.a.
Group / Joint Liability Loan
For micro enterprises
Small-ticket loans to self-help groups and joint liability groups, structured collectively with shared accountability.
- Loan size
- ₹25K – ₹3L
- Tenure
- 12 – 36 months
- Interest from
- 16% p.a.
How It Works
Four steps from enquiry to disbursal
A deliberately short process. You will know the status of your application at every stage, and who to contact.
1
Apply in 6 minutes
Share basic business and personal details. Upload KYC and bank statements, or submit them later at the branch.
2
Field verification
A relationship officer visits your premises, confirms operations and discusses your requirement in person.
3
Underwriting decision
Our credit team reviews cash flow and viability, then issues a Key Facts Statement with the exact terms offered.
4
Money disbursed
Sign the agreement, receive your sanction letter and get funds transferred to your business account.
Who We Serve
Built for the businesses banks overlook
Most of our borrowers are micro enterprises that have been profitable for years but lack the paperwork a bank wants. We build a file around the business that actually exists.
- Home-based and small-unit enterprises — kirana stores, tailoring, beauty and food outlets
- Traders and distributors — working capital to buy and move stock
- Manufacturing units — machinery, tooling and capacity upgrades
- Transport and logistics operators — vehicle acquisition and maintenance
- Farm-linked and agri-allied enterprises — cold storage, processing, distribution
- Women-led and first-time borrower groups — through our branch and partner network
What we look at instead of a credit score
6+ months of bank statement turnover
Vintage of the business and existing liabilities
Field observations from the verification visit
Estimated gross margin on the financed activity
I had been turned away by three banks for lack of a credit record. Yunash assessed my actual sales, showed me the exact terms in writing, and released the funds in three days. I could pay back on time and my business survived the lean season.
Ready to grow?
Speak to a relationship manager about what your business needs. No obligation, no impact on your credit score just to ask.