RBI Registered • NBFC

Empowering the
MSME & SME Sector
Growth Partners

Tailored working capital solutions for Manufacturers and Traders. Optimize your cash flow with Sales Invoice Discounting (SID) and Post Invoice Discounting (PID).

LOAN APPROVED
₹25,00,000
Sales Invoice Discounting (SID)
Disbursement Progress 68%
Monthly EMI
₹16,074
Interest Rate
11.5% p.a.
Processing Fee
0.5%
Instant Approval Within 24 hours
SSL Secured 256-bit encryption
Agile Financing

MSME & SME Loan Products

Specialized financial instruments for manufacturers and traders to bridge the working capital gap and scale business operations.

Sales Invoice Discounting (SID)

Unlock liquidity from your sales invoices instantly. Ideal for businesses with corporate clients and credit sales.

Starting from 1.0% per month
Invoice Discounting (PID)

Convert your unpaid B2B invoices into immediate cash. Ideal for traders and manufacturers with long credit cycles.

Starting from 1.25% per month
Cash Credit / Overdraft (CCOD)

Flexible revolving credit facility for your day-to-day operational needs. Pay interest only on the utilized amount.

Starting from 1% per month
10+
Years of Trusted Service
RBI Registered NBFC
1,00,000+ Loan Disbursements
Who We Are
Our Mission
Our Vision
Our Values
To democratize access to credit by providing fast, fair, and transparent financial products that empower individuals and businesses to achieve their goals without the burden of complex processes or hidden charges.
To be India’s most trusted lending partner — recognized for integrity, innovation, and inclusive financial services that bridge the gap between aspirations and reality for every Indian household and enterprise.
We are guided by transparency, customer-centricity, integrity, and speed. Every decision we make prioritizes the financial well-being of our customers while maintaining the highest standards of regulatory compliance.
Why Choose Us
Quick Digital Processing
End-to-end digital loan journey for faster appraisals and disbursements.
MSME-Centric Solutions
Products and terms customized specifically for small and medium enterprises.
Transparent Pricing
No hidden charges. Clear disclosure of all interest rates and processing fees.
Deep Compliance
Strong adherence to RBI guidelines and regulatory frameworks.
Check Eligibility

Are You Eligible?

We leverage data-driven assessments to provide funding to businesses that traditional lenders often overlook.

General Criteria

Our eligibility criteria are designed to support growing businesses across diverse industries.

  • Entity Type: MSMEs, SMEs, Traders, and Manufacturers.
  • Business Vintage: Minimum operational history as per internal policy.
  • Documentation: Valid KYC, GST details, and business registration proofs.
  • Credit Profile: Creditworthiness as per our internal risk assessment models.

Documents Required

PAN & Aadhaar
GST Returns
Bank Statements
Business Proof
Check My Eligibility
Loan Products

Choose the Right Loan for You

Flexible terms, competitive rates, and minimal documentation — all designed around your financial needs.

Sales Invoice Discounting (SID)
1% – 1.5% p.m.

Accelerate your cash flow by discounting sales invoices. Get immediate liquidity for your credit sales to corporate buyers without waiting for long payment cycles.

  • Funding up to 90% of invoice value
  • Fast turnaround (24-48 hours)
  • No asset collateral required
  • Simple digital documentation
  • Suitable for manufacturers & traders
Enquire Now
Invoice Discounting (PID)
1% – 1.5% p.m.

Unlock the value of your stuck bills. Convert invoices raised to blue-chip corporates into cash. Ideal for traders managing multiple credit cycles.

  • Funding up to 90% of invoice value
  • Approval based on buyer credit profile
  • Non-recourse options available
  • Minimal data entry, API integration
  • Direct disbursement to bank account
Enquire Now
Cash Credit / Overdraft (CCOD)
1% – 2% p.m.

Manage your daily working capital needs effectively with a revolving credit line. Withdraw funds as needed and pay interest only on the amount you use.

  • Interest charged only on utilized amount
  • Flexible withdrawal and repayment
  • Limits assessed based on business turnover
  • Helps in managing inventory and receivables
  • Annual renewal process
Enquire Now
Plan Ahead

EMI Calculator

Instantly calculate your monthly EMI based on loan amount, interest rate, and tenure. Plan smarter with JS GLOBAL.

₹10,000₹50 Lakh
7%30%
6 Months84 Months
Apply for This Loan

YOUR MONTHLY EMI

₹9,821
Estimated monthly instalment
Principal Amount ₹3,00,000
Total Interest Payable ₹53,556
Processing Fee (0.5%) ₹1,500
Total Amount Payable ₹3,55,056
Principal (84.8%)
Interest (15.2%)
Customer Stories

Trusted by Customers

Real stories from real people who achieved their financial goals with J.S. GLOBAL FINANCE LIMITED.

★★★★★

“We needed urgent funds to fulfill a large order, and JS GLOBAL came through with quick approval and minimal documentation. Their team ensured everything was handled efficiently. Excellent experience!”

S
Sanjay Gupta
Manufacturing Business • Noida
★★★★★

“As a small business owner, getting a loan was always a challenge. JS GLOBAL understood my business needs and disbursed ₹20 lakh in just 3 days. Excellent service and transparent terms!”

P
Priya Menon
Business Loan Customer • Faridabad
★★★★★

“Getting working capital at the right time is crucial, and JS GLOBAL delivered exactly that. Fast approval, clear communication, and great customer support made the entire experience seamless.”

R
Rahul Singh
Wholesale Distributor • Delhi
FAQs

Frequently Asked Questions

Everything you need to know about our loans, eligibility, repayment, and more.

You will need Valid KYC, GST details, and business registration proofs.
Most business loan applications receive a conditional approval within 24 working hours. Final disbursement typically takes 2–3 working days after document verification.
For personal and business loans, we prefer a CIBIL score of 700 and above. However, applicants with scores between 600–699 may still be considered based on income and employment stability.
Connect With Experts

Have Questions About Our Loans?

Our financial advisors are just a message away. Reach out to us for personalized loan solutions and expert guidance.

Contact Us Now Call Board Line