TERMS & CONDITIONS

1. About SME Credit Partners

SME Credit Partners provides business finance and MSME-focused financial assistance, advisory and facilitation services.

Our services may include, depending upon the customer's requirements and eligibility:

• Business loan assistance
• MSME financing assistance
• Working capital finance assistance
• Term loan assistance
• Machinery and equipment finance assistance
• Loan against property assistance
• Unsecured and secured business finance assistance
• Government-backed or government-related scheme guidance
• CGTMSE-related assistance and guidance
• Startup and MSME financing assistance
• TReDS registration and invoice-discounting assistance
• Financial documentation and application assistance
• Assistance in connecting eligible applicants with appropriate financial institutions, banks, NBFCs or other lending/financial partners
• Other business-finance-related advisory and facilitation services

The availability of a particular service may depend upon the applicant's profile, eligibility, lender policies, applicable laws and other factors.

2. Nature of Our Services

SME Credit Partners is a financial assistance and facilitation/advisory platform.

Unless specifically stated otherwise in writing, SME Credit Partners is not a bank, NBFC, insurance company, government department or government authority.

Where applicable, loan applications may be processed, evaluated, sanctioned, rejected, disbursed and serviced by the relevant bank, NBFC or other authorised financial institution.

SME Credit Partners does not independently determine the creditworthiness of an applicant or guarantee the sanction or disbursement of any loan.

3. No Guarantee of Loan Approval

Submission of an enquiry, application, documents or information through our website does not guarantee:

• Loan approval
• Loan sanction
• Loan disbursement
• A particular loan amount
• A particular interest rate
• A particular repayment period
• A particular lender
• A particular government scheme benefit
• Any particular credit facility

The final decision relating to a loan or financial product rests with the concerned bank, NBFC, financial institution or other authorised lender, subject to its internal policies, credit assessment, eligibility criteria, documentation, regulatory requirements and applicable law.

4. Eligibility

You must provide accurate and complete information when using our website or requesting our services.

You represent that:

• You are legally capable of entering into a binding arrangement.
• The information provided by you is true, accurate and complete to the best of your knowledge.
• You have the authority to provide information relating to a business, company, partnership, proprietorship or other organisation where you are submitting information on its behalf.
• Documents and information submitted by you are genuine and have not been knowingly altered, falsified or misrepresented.

SME Credit Partners may refuse to process an enquiry where information appears incomplete, inaccurate, misleading, suspicious or inconsistent.

5. Customer Information and Documents

Depending upon the service requested, we may require information or documents such as:

• Name and contact details
• PAN
• Aadhaar or other identity documents where legally and operationally required
• Business registration information
• Udyam/MSME registration details
• GST information
• Bank statements
• Income tax returns
• Financial statements
• Business turnover information
• Existing loan details
• Property or security-related information
• KYC documents
• Invoices and receivables information
• Other documents reasonably required for assessment or processing

You are responsible for ensuring that the information and documents provided are accurate and authentic.

6. Lender and Third-Party Services

To facilitate a customer's financial requirements, SME Credit Partners may share relevant information and documents with appropriate banks, NBFCs, financial institutions, authorised lending partners, service providers or other parties where permitted by law and where necessary for providing the requested service.

The terms, conditions, interest rates, processing charges, repayment schedules, security requirements and other conditions applicable to a financial product are determined by the concerned lender or financial institution.

Customers should independently review and understand the final sanction letter, loan agreement and other documents issued by the concerned lender before accepting a financial facility.

7. Government Schemes and Programmes

SME Credit Partners may provide information, guidance or assistance relating to government schemes and programmes available to eligible businesses.

Information relating to schemes may change from time to time based on government notifications, guidelines, eligibility conditions, lender policies or other applicable requirements.

Reference to a government scheme on this website does not mean that:

• SME Credit Partners is a government department;
• SME Credit Partners guarantees eligibility;
• the applicant is automatically entitled to the benefit;
• approval or financial assistance is guaranteed.

Eligibility and final benefit availability are subject to the applicable scheme guidelines and the decision of the relevant authority, lender or implementing institution.

8. CGTMSE and Credit Guarantee-Related Services

Where SME Credit Partners provides assistance relating to CGTMSE or other credit guarantee programmes, such assistance may include information, documentation support, application facilitation or coordination with relevant financial institutions.

A credit guarantee does not mean that every applicant is automatically eligible for a loan.

Loan approval remains subject to the concerned lender's credit assessment and applicable scheme and regulatory requirements.

SME Credit Partners does not represent that any loan is "guaranteed" merely because a government credit guarantee programme may be applicable.

9. TReDS and Invoice Discounting Services

SME Credit Partners may provide assistance relating to TReDS registration, onboarding, documentation, process guidance and invoice-discounting facilitation.

The availability, financing terms, discount rate, limits, approval and transaction execution may depend upon the relevant TReDS platform, financier, buyer, seller and applicable rules.

SME Credit Partners does not guarantee acceptance, financing or settlement of any invoice.

10. Fees and Charges

Certain services provided by SME Credit Partners may be chargeable.

Where applicable, the applicable professional, advisory, documentation, facilitation, registration or service fee will be communicated to the customer before the relevant paid service is undertaken.

Unless expressly stated otherwise in writing:

• Payment of a service fee does not guarantee loan approval.
• Payment of a service fee does not guarantee disbursement.
• Fees paid for professional/facilitation services are separate from interest, processing fees or other charges imposed by a lender.
• Any lender charges are governed by the lender's terms and conditions.

Where a refund policy applies to a specific paid service, the applicable refund terms will be communicated separately.

11. No Financial Guarantee

SME Credit Partners does not guarantee that a customer will obtain:

• Finance
• Government assistance
• Subsidy
• Credit guarantee coverage
• Invoice financing
• Any specific interest rate
• Any specific lender approval
• Any specific financial outcome

Any statement regarding possible financing should not be interpreted as a promise or assurance of approval.

12. Website Information

We endeavour to keep information on the website accurate and useful.

However, information concerning:

• interest rates,
• government schemes,
• loan limits,
• eligibility,
• lender policies,
• documentation,
• processing requirements,
• regulations,
• fees,
• timelines and
• financial products

may change from time to time.

Accordingly, website information should not be treated as a final or binding offer of finance.

13. No Professional Advice Unless Specifically Agreed

General information published on this website is provided for informational purposes.

It should not automatically be considered legal, tax, investment, accounting or financial advice specific to your circumstances.

Where professional advice is required, customers should consult an appropriately qualified professional.

14. Customer Responsibility

Customers are responsible for:

• Providing correct information;
• Providing genuine documents;
• Reviewing loan and financial documents;
• Understanding applicable interest rates and charges;
• Understanding repayment obligations;
• Meeting lender requirements;
• Maintaining their own financial records;
• Making payments to lenders or service providers on time;
• Obtaining independent professional advice where appropriate.

SME Credit Partners shall not be responsible for consequences resulting from inaccurate, incomplete or misleading information supplied by the customer.

15. Prohibited Use

You must not use the website to:

• Submit false or misleading information;
• Upload forged or fraudulent documents;
• Impersonate another person or organisation;
• Attempt to obtain finance through fraudulent means;
• Interfere with the website's operation;
• Introduce malware or harmful code;
• Attempt unauthorised access to our systems;
• Copy or reproduce website content for unauthorised commercial purposes;
• Use the website for any unlawful activity.

We reserve the right to suspend or terminate access where misuse is suspected.

16. Intellectual Property

Unless otherwise stated, the content of this website, including:

• Text
• Logos
• Branding
• Graphics
• Images
• Designs
• Layouts
• Videos
• Original materials
• Website structure

is owned by or licensed to SME Credit Partners and is protected under applicable intellectual property laws.

You may not reproduce, modify, distribute, publish, sell or commercially exploit website content without prior written permission.

17. Third-Party Websites and Links

Our website may contain links or references to third-party websites, government portals, banks, NBFCs, financial institutions, TReDS platforms or other external websites.

Such links are provided for convenience or information.

SME Credit Partners does not necessarily control or endorse the content, availability, privacy practices or services of third-party websites.

You should review the terms and privacy policies of the relevant third party before using its services or submitting information.

18. Communications

By submitting an enquiry or contacting SME Credit Partners, you may receive communications relating to your enquiry or requested services through:

• Telephone calls
• SMS
• WhatsApp
• Email
• Other electronic communication channels

Where required by applicable law, appropriate consent or communication preferences will be respected.

You may request that marketing communications be stopped, subject to applicable legal and operational requirements.

19. Limitation of Liability

To the maximum extent permitted by applicable law, SME Credit Partners shall not be liable for indirect, incidental, consequential, special or business losses arising from:

• Rejection of a loan application;
• Delay in processing by a lender;
• Change in lender policies;
• Change in government scheme guidelines;
• Failure of a third-party platform;
• Customer's failure to provide documents;
• Incorrect information provided by the customer;
• Actions or decisions of a bank, NBFC or financial institution;
• Changes in interest rates or market conditions;
• Technical interruptions beyond our reasonable control.

Nothing in these Terms is intended to exclude liability that cannot legally be excluded.

20. Website Availability

We endeavour to keep the website available and functioning properly. However, uninterrupted access cannot be guaranteed.

The website may temporarily become unavailable due to:

• Maintenance;
• Technical problems;
• Internet or network failures;
• Cybersecurity incidents;
• Third-party service failures;
• Force majeure events;
• Other circumstances beyond our reasonable control.

21. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless SME Credit Partners, its officers, employees, representatives and authorised service providers from claims, losses, liabilities or expenses arising from:

• Your violation of these Terms;
• False or misleading information submitted by you;
• Fraudulent or unlawful activities;
• Your misuse of the website;
• Your violation of third-party rights.

22. Privacy

Your use of our website and submission of personal information is also governed by our Privacy Policy, which forms part of these Terms.

Our Privacy Policy explains how personal information may be collected, used, stored, shared and protected.

23. Changes to These Terms

SME Credit Partners may modify these Terms from time to time.

Updated Terms will be published on this website with the revised "Last Updated" date.

Your continued use of the website after changes are published constitutes acceptance of the updated Terms, to the extent permitted by law.

24. Governing Law and Jurisdiction

These Terms shall be governed by and interpreted in accordance with the laws of India.

Subject to applicable law, courts having appropriate jurisdiction in Ghaziabad, Uttar Pradesh, shall have jurisdiction over disputes arising from these Terms or use of the website.

25. Grievance and Customer Support

For questions, complaints or concerns relating to our website or services, customers may contact:

We endeavour to review and respond to legitimate complaints within a reasonable period.

26. Acceptance

By accessing this website, submitting an enquiry or using our services, you acknowledge that you have read and understood these Terms & Conditions and agree to be bound by them.