+91 8156 82 2965

ridgewayconsultancyservices@gmail.com

The Growth Engine of Kerala

MSME Loan Solutions by Ridge Way Fueling the Ambition of Thrissur's Entrepreneurs

Welcome to Ridge Way, the premier Corporate Direct Selling Agent (DSA) and MSME Loan Consultant dedicated to the entrepreneurial heartbeat of Thrissur, Kerala. In the cultural capital of the state, we don't just facilitate loans; we architect the financial foundation for your business growth. We understand that securing capital is the single greatest challenge for micro, small, and medium enterprises. Our mission is to eliminate the guesswork and delays, connecting your business directly to the optimal Working Capital and Term Loan products available through our trusted network of major banks and Non-Banking Financial Companies (NBFCs).

Stop navigating the complex world of business finance alone. Partner with Ridge Way and convert your business vision into funded reality.

Our Bespoke MSME Finance Services

We go beyond traditional brokerage by starting with a detailed financial assessment of your business to design the perfect funding plan.

Tailored Loan Structuring

We match your specific requirement—be it for Machinery Loan, Business Expansion, or Cash Credit/Overdraft—to the product with the best interest rate and most flexible tenure.

Optimal Lender Mapping

Leveraging our status as a Corporate DSA, we provide access to an extensive panel of lenders, ensuring we find the 'sweet spot' where your eligibility meets the best market offer.

Documentation & Submission

Our experts handle the meticulous preparation of all required financial documents, including GST Returns, Bank Statements, and Projected Financials, ensuring a "first-time right" submission for Fast Track Loan Approval.

Expert Government Scheme Facilitation

We specialize in unlocking Central and State Government schemes that lower your cost of capital and reduce business risks for MSMEs across Kerala. Our dedicated experts guide you through the complete application process to ensure you receive every eligible benefit and subsidy available.

Scheme Name	Key Benefit	Financial Advantage
CGTMSE (Credit Guarantee Fund Scheme)	Enables collateral-free loans up to ₹5 Crores for new and existing businesses.	Removes the need for traditional security and minimizes borrower risk.
Kerala Entrepreneur Loan Scheme (KELS)	Helps new enterprises obtain interest subvention on loans up to ₹10 Lakh.	Lowers effective interest rate to 4% for the first five years.
Entrepreneur Support Scheme (ESS)	Supports manufacturing units with capital investment subsidies between 15%–45%.	Significantly reduces the initial project cost and capital burden.
PMEGP (Prime Minister’s Employment Generation Programme)	Offers up to 35% margin money subsidy on project costs for new ventures.	Direct subsidy lowers the total loan amount, improving repayment capacity.

The Pillars of the MSME Sector

The MSME sector forms the backbone of India's economy, driven by two core pillars that fuel production and services nationwide.

Manufacturing Enterprises

Involved in the production and manufacturing of goods across various industries, contributing significantly to employment and exports.

Service Enterprises

Engaged in providing essential services that support businesses, technology, and community development in the MSME ecosystem.

Invaluable Benefits of MSME Udyam Registration

Registering your business via the Udyam Registration Portal unlocks a host of government-backed benefits. Ridge Way helps you access every opportunity available to MSMEs.

Priority Sector Lending

Banks are required to allocate a portion of their lending exclusively to the MSME sector.

Credit Guarantee

Access collateral-free loans through the CGTMSE Scheme, minimizing financial risk.

Interest Rate Subsidy

Benefit from reduced borrowing costs through state and central government schemes like KELS.

Tax Exemptions

Enjoy various tax concessions and exemptions under direct and indirect tax laws.

Preferential Procurement

Government departments and PSUs are required to source products and services from registered MSMEs.

Protection Against Delayed Payments

MSMEs receive statutory protection under the MSMED Act for late payments from buyers.

Access to Tenders

Gain eligibility for exclusive government tenders, contracts, and MSME-focused projects.

Our Office

Sivasailam Apartments, Marath Lane & MG Road Naikkanal, Thrissur, Kerala-680001