For MSMEs

Advisory for Indian businesses in the INR 10–200Cr revenue range that are underleveraged on credit or underprepared for their next lender conversation.

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The credit gap most MSMEs don't see

A business generating INR 60Cr in revenue and running on a single working capital facility from a PSU bank — the same lender, the same limit, for five years — is not optimised. It is stuck.

At that revenue scale, the credit market supports a consortium arrangement, an NBFC supplementary facility, or a significantly higher limit from the existing bank. Most promoters don't know this.

What MSMEs typically face

• Single-bank dependency — one lender, one relationship, no competitive tension on terms
• Stale credit limits — facility limits that haven't kept pace with revenue growth
• Untapped NBFC capacity — most MSMEs don't use NBFCs as a supplementary source
• Trade finance underutilisation — funding trade flows through generic working capital when cheaper instruments are available
• Lender-readiness gaps — financials and documentation that don't tell the credit story as clearly as they should

How Evolv helps

Structured Debt Advisory — End-to-end advisory on working capital, term debt, and consortium facilities including trade finance structuring.

Credit & Fundraising Readiness — For businesses approaching a first formal facility or restructuring an existing one.

Free Credit Health Review — 30-minute diagnostic. No cost, no commitment.

Book a free 30-minute Credit Health Review →

contact@evolv.ventures · +91 88106 30326