Corporate & SME Lending

Raise Right. Scale with Trust.

Empowering Growth. Enabling Enterprise.

At ProsperWave Capital Advisory, we specialise in helping businesses unlock growth through customised financing solutions across Working Capital, CapEx, Term Loans, Vendor/Dealer Finance, and Unsecured SME Loans. Our team brings deep experience in CGTMSE-backed and cash-flow-based lending, ensuring businesses access the right capital at the right time.

Why SME & Corporate Lending Matters in 2025

The Indian MSME and mid-corporate segment remains the backbone of the economy — contributing nearly 30% of GDP and 50% of exports. As of March 2025, the MSME credit portfolio stood at ₹35 lakh crore, growing at a 13% CAGR over the last five years (SIDBI-TransUnion MSME Pulse, 2025).

With digital underwriting, government support, and guarantee schemes such as CGTMSE, credit access is faster, broader, and more inclusive than ever before.

Our Expertise

ProsperWave Capital Advisory offers end-to-end lending solutions for:
Working Capital Loans – to manage inventory, receivables, and day-to-day operations.
CapEx & Term Loans – to finance machinery, plant expansion, and technology upgrades.
Vendor/Dealer Finance – for seamless supply-chain funding that strengthens both manufacturers and distributors.

Unsecured SME Loans – collateral-free funding for enterprises with strong cash flows.

CGTMSE-backed Lending – enabling eligible MSMEs to access loans without collateral under government-guaranteed schemes.

Cash-Flow Based Lending – assessing actual business performance, not just balance-sheet strength.

Why Choose ProsperWave

Tailored Credit Structures – customised repayment cycles and tenure aligned with your business cash flow.

Speed & Transparency – tech-enabled processes ensure quick decisions and fair pricing.

Collateral-Free Advantage – access funding under CGTMSE and similar guarantee programmes.

Supply-Chain Integration – we finance vendor and dealer networks for end-to-end liquidity.

Strategic Partnership Mindset – we view lending as a growth collaboration, not just a transaction.

Emerging Trends Shaping SME Finance

AI-driven underwriting & digital onboarding are making loan approvals faster and data-driven.

Embedded finance allows SMEs to access credit directly through digital business ecosystems.

Government thrust on manufacturing, logistics, and green finance is creating new funding opportunities.

TReDS, e-invoicing, and open-credit architecture are improving transparency and lender confidence.

Collateral-free lending is expanding rapidly through CGTMSE and SIDBI-backed programmes.

Our Process

Business Profiling

Understanding your company’s financials, working capital cycle, and growth plans.

Documentation & Assessment

Simple digital onboarding and quick analysis of cash flows, vendor base, and market performance.

Credit Structuring

Designing a funding plan that optimises loan size, tenure, and guarantee cover.

Approval & Disbursement

Fast-track processing through our partner network of banks, NBFCs, and AIF-led lenders.

Ongoing Partnership

Continuous support for renewal, enhancement, and next-phase expansion.

Why Now

India’s SME lending ecosystem is at an inflection point — supported by digital transformation, policy momentum, and a thriving entrepreneurial base. Whether you’re scaling operations, modernising infrastructure, or strengthening your dealer network, this is the most conducive time to borrow smartly and grow confidently.

Partner with ProsperWave Capital Advisory

We are not just lenders — we are growth partners.

Our advisory-led approach ensures that every business we fund is positioned for long-term success, financial discipline, and sustained expansion.