Get Loan-Ready in Hours, Not Weeks
Prepare bulletproof project reports, check your loan eligibility, calculate EMIs, and understand exactly how banks assess your business — no consultant needed.
The Loan-Ready Workflow
Eligibility Check
Answer 10 plain-language questions in Loan Readiness Score for a traffic-light verdict and personalized checklist
Project Report
Build a 10-page banker-compliant project report auto-configured for PMEGP, Mudra, and MSME term loans
Financial Preview
Use CMA Generator to see exactly how a bank views your 3-year financials and operating statements
Repayment Planning
Calculate affordable EMIs, run amortization schedules, and verify DSCR before approaching a bank
Essential Toolkit for MSME Owners
Everything you need to secure business financing
Loan Readiness Score
FEATUREDAnswer 10 plain-language questions to get a traffic-light eligibility verdict and a personalized document checklist.
Start CheckProject Report Wizard
Build complete 10-page banker-compliant project reports. Auto-configures parameters for PMEGP, Mudra, and MSME term loans.
Build ReportEMI & Repayment Calculator
Calculate EMIs and complete amortization schedules. Reverse calculator finds exact tenure from your target monthly payment.
Calculate EMICMA Data Generator
See how a bank views your financials — generate Form I Operating Statements, Form II Balance Sheets, and MPBF limits.
Generate CMALoan Sanction Predictor
AI-driven loan approval probability score based on your financial and business profile — know before you apply.
Predict ApprovalDepreciation Calculator
Compute SLM and WDV depreciation schedules for direct use in your project report and CMA data.
CalculateBEP Interactive Engine
Calculate your break-even point — banks require this in every project report for term loan appraisal.
Analyze BEPProject Sensitivity Simulator
Test DSCR sensitivity against raw material cost shifts and interest rate hikes — demonstrate resilience to bankers.
Run SimulatorBank Statement Analyzer
Understand how your bank statements will be analyzed — verify average balances and transaction patterns.
Analyze StatementMy Saved Reports
FEATUREDSave and revisit your project reports, eligibility scores, and EMI calculations anytime.
Why MSME Owners Use CredWisdom
| Feature | CredWisdom | Hiring a Consultant | DIY Excel |
|---|---|---|---|
| Time to Loan-Ready | Same Day | 5-10 Days | 3-5 Days |
| Project Report Quality | Bank-Standard 10-Page | Varies by CA | Informal Spreadsheet |
| Cost | Free / Low | ₹5,000–₹25,000 | ₹0 but Error-Prone |
| PMEGP/Mudra Auto-config | Built-in | Manual | None |
| Loan Eligibility Pre-check | Traffic-light Score | Post-submission | None |
| DSCR/BEP Stress Test | Instant | Rarely Provided | Not Feasible |
Welcome Back
Sign in to save reports and access premium credit tools.