Accretive Cleantech Finance Private Limited is now Ecofy Finance Private Limited

Benefits of Ecofy

Green SME Business Loan

Instant Offer

Easy loan journey providing affordable options

Green SME Business Loan

Digital and Retail

Ticket size INR 5 to 25 lacs

Green SME Business Loan


Flexi credit product offering to SME's

Loans for your sustainable business needs in a completely digital approach. If your business is reducing the carbon footprint in any manner, we’re here to multi-fold your business.

What We Offer

Green SME Business Loan

Term Loan

EMI based loan to finance your business Assets and equipments

  • Long Term up to 48 months
  • No security / guarantee required
  • Ideal for capital investment in your business
  • Based on financial strength
  • Quick approval
Green SME Business Loan

Working Capital

Grow your business multi fold with our Flexi credit options

  • Short Term up to 6 months
  • No collateral
  • Limit available for usage anytime.
  • Pay only for utilized amount
  • Manage immediate finance needs
  • Quick approval
Green SME Business Loan

Straightforward product

What’s affordable, with no hidden charges and an attractive rate of interest starting at 12%*? Our tailormade solutions!

Green SME Business Loan

Easy is our second name

Avail a complete sanction and draw as per your requirement.

Green SME Business Loan

Lightning fast

We’re digital with minimal paperwork, which means we are quick!

*T&C apply

Get a SME loan in just few steps

Apply loan
Fill in your details in the form
Connect on call/ WhatsApp on
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Green SME Business Loan
Green SME Business Loan
Green SME Business Loan
Green SME Business Loan
Green SME Business Loan

EMI calculator

  • Green SME Business Loan Green SME Business Loan SME

Select loan amount

25,000 2,50,000

Select interest rate

0% 15%

Select tenure

12 months
24 30 36 42 48
Monthly EMI 4,840 view details

Total Users


Principal amount




Total amount payable

These calculators are provided only as general self-help Planning Tools. Results depend on many factors, including the assumptions
you provide. We do not guarantee their accuracy, or applicability to your circumstances.


What exactly is a Green SME Loan?

Some things should never be delayed. Like making your footprint greener. So, whether you are a green business or want to invest in reducing the carbon footprint of your business, our loans can help you get there!  With Ecofy’s green SME loans you can get the funds to ensure cash flow, access to working capital, hire new employees, buy new equipment or expand your business.

Why should I go with Ecofy’s SME Loan?

Here is your answer: Our loans come with affordable rates starting from 1% per annum with absolutely no hidden charges! (Avail a complete sanction and draw as per your requirement.?) Our loan process is super fast because it’s completely digital with minimal paperwork! You can also avail our ‘fast-track’ application process to finance both investments and working capital.

What are the documents required for an SME Loan?
  • KYC documents of the company: PAN Card, Registration of Incorporation, Partnership deed, Memorandum & Articles of Association.
  • KYC documents of the business owners
  • Balance sheet and Profit & Loss accounts for the last 2 years
  • Income Tax Returns for the last 2 years (Taken Online)
  • Company bank statements for the last 6 months
  • GST returns for the last 6 months (Taken Online)
  • A report detailing how the Loan will be used
Who can get SME Loans?

Professionals, non-professionals, and self-employed! Our loans are approved quickly and are available at competitive interest rates.

The customer segments covered under SME Loans are listed below:

  • Sole Proprietorship
  • Partnership Firm
  • Private Limited Companies
  • Closely held Public Limited Companies
  • Societies
  • Trusts
  • Hospitals, Nursing Homes, Diagnostic Centers, Pathological Labs.
What are my options to repay an SME Loan?

Post Dated Cheques, Electronic Clearance Service (ECS) or Direct Debit: whatever floats your boat!

Can I get an SME Loan without collateral or security?

Yes! You! Can!

How do I get an SME loan approved if I have an online business?

Ecofy is happy to provide SME loans to your online retail store or e-commerce website. Fulfil the following criteria for swift online business loan approval:

  • A CIBIL score above 700
  • A business that has been profitable for 3 consequent financial years
  • A turnover showing an upward trend
  • A balance sheet audited by a CA
Will an SME loan affect my credit?

It won’t affect your personal credit score.

Business owners have business and personal credit. Loans for sole proprietorship and partnership businesses are guaranteed by an individual. So, the loan is reflected in your personal CIBIL report. However, if your company’s structure is LLC, then the SME loan affects only the business’ CIBIL score.

How does an SME loan affect taxes?

Here’s a piece of good news for you: any interest levied on an SME loan is exempt from taxation! This is because the interest paid is considered to be a business expense and not revenue. Registering as an MSME (full form of MSME perhaps?) can also help you avail of business loan tax benefits on excise and other charges. However, the principal amount is not tax-deductible.

Am I eligible for a SME Loan?

You are eligible for an SME Loan if you match the following criteria:

  • Between 25-65 years of age
  • Have a business that shows a profit for the last 3 consecutive financial years
  • Have a business that shows an upward turnover trend
  • Are able to show a balance sheet that is audited by a registered CA
How long do I have to have a business account to get a loan?

If you run a sole proprietorship, you can use a personal bank account for your business. For a corporation or limited liability company (LLC), you need to have a business account. However, a business bank account is not mandatory for a loan. As per the business loan eligibility criteria, your business must be profitable for 3 consequent financial years.

How much will my EMI be?

Your EMI depends on the loan amount. We’ve got a special EMI calculator *right here* to help you figure out exactly how much you need to pay.

*right here is hyperlinked to the calculator.

What is the maximum amount I can avail through a business loan?

You can get up to ₹50 lakhs and more depending on your credit score.

How long can I take to repay the loan?

For a business loan, you can take up to 36 months to repay.

Is the interest rate fixed or floating?

The interest rate for our SME loans is floating.

Green SME Business Loan

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