Loan Eligibility
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Red Fort Capital lends to established, audited MSMEs with property-backed collateral. Here's what we look for.
Underwriting criteria
What we look for
Vintage
Minimum 3 years of business operations
Turnover
Audited turnover ≥ ₹5 Crore in the trailing FY
Profitability
PAT positive in at least 2 of the last 3 years
Promoter CIBIL
Score 700+ (subject to overall file quality)
Banking conduct
No EMI bounces, no SMA-1/2 tags in the last 12 months
Collateral
Self-occupied or rented commercial / residential / industrial property
Geography
Tier 1 and Tier 2 cities across India
Who can apply
Eligible entity types
- Private Limited Companies
- LLPs and Partnership Firms
- Public Limited Companies
- One-Person Companies (with adequate co-applicants)
- Sole Proprietorships with property collateral
Sectors served
Industries we underwrite
ManufacturingTrading & DistributionHealthcareEngineering & Auto-ancillaryPharma & ChemicalsLogistics & WarehousingB2B ServicesFood Processing
Out of scope
What we don't fund
- Pure real-estate development (except last-mile)
- Speculative trading or capital-market exposure
- Restricted SBN / sin sectors per RBI norms