MSME Growth
MSME Finance & Credit
ZELVU Business's structured MSME Finance & Credit programme combines concept clarity, implementation frameworks, practical business examples, measurable action plans and AI-supported guidance for entrepreneurs and professionals.
- ✓ 9 weeks · 34 lessons
- ✓ 12-month access
- ✓ AI Business Tutor
- ✓ Activates automatically after ICICI Bank confirms payment
- ✓ Bank financing assistance
Questions first? Talk to the Business Counsellor · See all 34 lessons
What you will work on
- ✓Credit fundamentals: matching the right loan to the right need
- ✓How lenders judge you: credit reports, ratios, bank statements and security
- ✓From proposal to sanction: applying, comparing offers and signing well
- ✓Living with debt: monitoring, early warning, stress and your credit plan
- ✓Applied practice, case studies and revision
Who should consider it
- •Founders, MSMEs, professionals and learners interested in the relevant business pathway
- •Programme selection should match the learner's business stage and implementation goal
Full curriculum
8 modules · 34 lessons
Every core lesson follows the same teaching flow: what you need to know, a step-by-step method, a worked Indian business example, a ready-to-use template, common mistakes, a 20-minute action task and a prompt for the AI Business Tutor.
Start here — How to get results from this programmeOrientation, key terms, your baseline, the learning method and the completion standard.7 lessons
- Start here 01 — How this programme works🔒
- Start here 02 — Key terms in plain language🔒
- Start here 03 — Your business baseline🔒
- Start here 04 — The learning method: read, apply, measure🔒
- Start here 05 — First-week action workbook🔒
- Start here 06 — Progress checklist and completion standard🔒
- Start here 07 — Keeping your knowledge current🔒
Module 1 — Credit fundamentals: matching the right loan to the right needCore concepts, diagnosis, market logic and programme-specific strategic foundations.4 lessons
- 01 — Diagnosing your borrowing need: working capital, term loan or non-fund limit, and why the purpose decides the productFree preview
- 02 — Who lends to MSMEs in India: banks, small finance banks, NBFCs, fintech lenders and co-lending, and how each one decides🔒
- 03 — Working capital limits decoded: cash credit, overdraft, drawing power and how banks size your limit🔒
- 04 — Term loans and non-fund limits: EMIs, moratorium, promoter margin, bank guarantees and letters of credit🔒
Module 2 — How lenders judge you: credit reports, ratios, bank statements and securityCustomer understanding, acquisition, conversion, channels and relationship growth applied to this programme.4 lessons
- 05 — Your credit reports: CIBIL MSME Rank, commercial reports and the promoter score, and how to correct and improve them🔒
- 06 — The ratios a credit officer calculates: DSCR, current ratio, TOL/TNW and interest cover, worked on your own numbers🔒
- 07 — Bank statements, GST returns and cash-flow lending: what 12 months of transactions tell a lender🔒
- 08 — Security, guarantees and CGTMSE: primary and collateral security, personal guarantees and collateral-free credit🔒
Module 3 — From proposal to sanction: applying, comparing offers and signing wellEconomics, cash discipline, metrics, operational execution, risk and compliance applied to this programme.4 lessons
- 09 — Writing a bankable loan proposal: CMA data, projections and the project note a credit officer wants to read🔒
- 10 — Comparing loan offers: EBLR and MCLR, spreads, fees, the Key Fact Statement and the true annual cost of borrowing🔒
- 11 — Reading the sanction letter and loan documents: covenants, charge creation and the clauses worth negotiating🔒
- 12 — Receivables finance: TReDS, invoice discounting, supply-chain finance and your rights on delayed payments🔒
Module 4 — Living with debt: monitoring, early warning, stress and your credit planSystems, automation, AI-assisted execution and a practical 30/90-day implementation roadmap.4 lessons
- 13 — After sanction: stock statements, drawing power, stock audits, annual renewal and keeping your account in good standing🔒
- 14 — Early warning and SMA classification: what happens at 30, 60 and 90 days overdue, and how to act before default🔒
- 15 — When cash gets tight: talking to your lender, rescheduling, restructuring and one-time settlement🔒
- 16 — Your debt dashboard and 12-month credit plan: debt capacity, cost of borrowing, refinancing and when to say no🔒
Applied practice, case studies and revisionWorked scenarios, common mistakes and a timed mock3 lessons
- MSME credit: worked case studies and applied scenarios🔒
- MSME credit: common mistakes, misconceptions and self-check Q&A🔒
- MSME credit: revision sheet and self-test with answer key🔒
Practice Lab — Build your bank-ready credit fileDiagnostic, case analysis, implementation assignment and capstone self-evaluation.4 lessons
- Practice 01 — Credit health check: your borrowing need, credit reports and lender ratios🔒
- Practice 02 — Case analysis: assess a Rajkot manufacturer's loan request the way a credit officer would🔒
- Practice 03 — Build your CMA-style projections and compare three lender offers🔒
- Practice 04 — Capstone: your bank-ready credit file and 12-month credit plan🔒
Programme guide — Plan, decide and reviewStudy plan, decision framework, accuracy protocol and the 30-day review.4 lessons
- Programme guide 01 — Map, outcomes and study plan🔒
- Programme guide 02 — From concepts to decisions🔒
- Programme guide 03 — Accuracy: verifying rules and figures🔒
- Programme guide 04 — 30-day review and next steps🔒
Unlock all 34 lessons with 12-month access and the AI Business Tutor.
Enrol now · ₹9,999Before you choose a programme
Which programme should I choose?
Choose a focused programme for one defined business problem. Consider Growth Partner when you need to work across several business functions over the year. The free Business Diagnostic and the Business Counsellor can help you narrow it down.
How do I pay and when does access start?
Click Enrol now on any programme, sign in or create your free Business LMS account, and pay the one-time fee on the company checkout through ICICI Bank’s secure page. Access activates automatically after ICICI Bank confirms the payment — usually within minutes. If the bank's confirmation is delayed, support helps. Payments are collected by Lex Orbis Education (OPC) Private Limited.
Can I pay in instalments or EMI?
ZELVU Business does not offer instalments or EMI: every programme fee is paid in full, upfront. If you would like a bank or NBFC to finance the fee, apply on the Fees & Bank Financing page. The lender assesses your application, completes KYC and shows its own loan terms before you sign; if it approves, it pays ZELVU the full programme fee, your programme unlocks for its full access period, and you repay the lender under its agreement. Approval is the lender's decision and is not guaranteed.
Is this a subscription or a loan?
Neither. Every fee is a one-time complete programme fee with a fixed access period and no automatic renewal. ZELVU Business is not a lender: if a bank finances your fee, the loan is between you and the lender, on its terms. The programme fee is the same either way.
How does the 3-day free trial work?
Create a free account and explore the Business LMS, reading material, AI tutor and tools for 3 days with no payment details. One trial per account. The trial does not create a paid enrolment and nothing is charged when it ends.
What is the difference between learning pace and access period?
The learning pace (shown on each programme page) is the guided schedule for finishing the lessons and implementation tasks. Access is 12 months from activation, so you can revisit the material and tools well after you finish.
Can I get help choosing without paying?
Yes. Use the free diagnostic, ask the Business Counsellor, or send an enquiry and choose Admission updates. An enquiry never reserves a place or charges anything.
Are revenue, customers or funding guaranteed?
No. These are educational and business-support programmes. Outcomes depend on your business, implementation and market conditions. AI guidance can be wrong and does not replace regulated professional advice.
Need help choosing?
Run the Business Diagnostic if you are not sure which pathway matches the current constraint. If your needs move across several functions, compare the Growth Partner 12-month all-access programme.
One-time fee
₹9,999