SME Loans
SME Loans – Fueling Growth for Small & Medium Enterprises
At Parrato Financial Services, we understand that Small and Medium Enterprises (SMEs) are the backbone of a thriving economy. Whether you’re scaling operations, upgrading machinery, or launching a new product, access to timely and adequate finance is essential. Our SME Loan solutions are designed to empower your business at every stage of its growth.
What is an SME Loan?
An SME Loan is a tailored business loan provided to small and medium-sized enterprises to meet their diverse financial needs. These could range from setting up a new unit, purchasing equipment, and managing day-to-day operations, to investing in technology or expanding into new markets.
Why Choose Parrato for SME Loans?
Personalized Financial Solutions: We offer loan products that are customized to suit your business model and scale.
Fast Approvals: Our simplified documentation and digital processing ensure minimal delays.
Trusted Advisory: We don’t just provide loans—we guide you with the right financial strategies to help your business grow sustainably.
Multiple Financing Options: From working capital to project finance, we offer end-to-end financial support.
Types of SME Loans We Offer
1. Working Capital Loans
Meet short-term financial needs like inventory purchase, payroll, or rent payments.
2. Term Loans
Fund long-term investments like plant setup, expansion, or equipment purchase.
3. Overdraft Facility
Get flexible access to funds over and above your account balance for managing operational cash flow.
4. Cash Credit
Credit facility against inventory or receivables to bridge the liquidity gap.
5. Letter of Credit (LC)
Facilitate seamless domestic or international trade transactions with secure payment guarantees.
6. Bank Guarantee
Assure your vendors or government bodies with a guarantee for contract performance or payment obligations.
7. Bill Discounting
Get early access to working capital by converting your receivables into instant cash.
8. POS (Point of Sale) Financing
Loan offerings based on your card swipe machine transactions—ideal for retailers.
9. Pre & Post Shipment Finance
Support for exporters to cover costs before and after shipping goods.
10. Equipment & Machinery Finance
Upgrade or buy new machinery to stay ahead with modernized infrastructure.
11. Project Finance
Funding solutions for long-term, capital-intensive infrastructure or industrial projects.
Financial Services
We help financial institutions, from banking and insurance to wealth.
Government Services
We help financial institutions, from banking and insurance to wealth.
Financial Services
We help financial institutions, from banking and insurance to wealth.
Natural Resources
We help financial institutions, from banking and insurance to wealth.
how we help
Align Costs with Strategy & Focus on Growth
marketing analysis
finance strategy
business innovation
CORPORATE MANAGEMENT
Who Can Apply?
Our SME Loan solutions are designed for a wide range of business professionals and entrepreneurs, including:
Manufacturers
Wholesalers
Retailers
Service Providers
Medical Professionals (Doctors, Clinics, Hospitals)
Why SMEs Need Loans
To bridge working capital gaps
For smooth daily operations
To drive business expansion
To launch new products or services
For marketing & advertising
To improve procurement and purchasing power
Let Parrato Financial Services be your growth partner.
We’re here to help you scale confidently, with financing that’s simple, fast, and business-ready.
📞 Connect with our SME Loan Specialists Today
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