15 Years of One Commitment:
Karnataka MSMEs Get the Credit They Deserve.
We don't count files submitted. We count sanctions received. After 15 years and ₹500 Crore in facilitated credit, the gap between those two numbers is what MSME Central was built to close.
We are not a registration agent. We are not a loan DSA. We are a financial advisory firm that combines the rigour of institutional credit analysis with the ground-level knowledge of Karnataka's MSME ecosystem — and we have been doing this since 2009, long before MSME advisory became fashionable.
Born from a Gap the Banks Created
MSME Central was founded in 2009 in Bengaluru with a specific observation: Karnataka's manufacturing and services landscape was full of creditworthy businesses that were being rejected by PSU banks — not because the businesses were unviable, but because no one was presenting them properly to the bank's credit committee.
The bank's credit officer is not a business consultant. They evaluate structured documents — DPRs, CMA data, DSCR workings, promoter profiles — against a specific internal checklist. An MSME owner preparing these documents themselves, without institutional credit experience, is unlikely to present their business the way a bank needs to see it.
That gap between how MSMEs present their businesses and how banks need to see them — that is what MSME Central was built to close. Fifteen years later, it remains our sole focus.
Year MSME Central was founded in Bengaluru
Bank credit facilitated for Karnataka MSMEs
MSME clients across Karnataka
Sanction rate on CGTMSE proposals submitted
What MSME Central Is — and What We Are Not
Clarity here saves both sides time.
❌ What We Are Not
- Not a loan DSA earning referral commissions from banks
- Not a registration agent offering ₹499 Udyam packages
- Not a CA firm that adds project reports as a side service
- Not an NBFC or lender of any kind
- Not a generic business consultant covering 50 service lines
- Not a firm that disappears after submitting your file
✅ What We Are
- A fee-based advisory firm with no bank commission conflict
- Specialists in institutional credit — one domain, 15 years deep
- Practitioners who have sat across bank credit officers hundreds of times
- A firm that manages your file from first document to disbursement
- Advisors who tell you honestly when your project is not bankable yet
- A team that earns its fee by delivering outcomes, not reports
Advisory at the Standard of Institutional Credit Analysis
Honest Pre-Assessment First
Before we take any engagement, we assess whether the business is realistically bankable — given its financial position, sector, geography, promoter profile, and available collateral or CGTMSE eligibility. If it is not ready, we say so clearly and tell you what needs to change before any bank approach. We do not take fees for files that will not be sanctioned.
Bank-Specific Preparation
DPRs and CMA statements are not generic documents. SBI's SME Credit desk has different norms and preferences than Canara Bank's MSME vertical. We prepare every file with the specific bank, branch, and even credit officer in mind. This reduces query cycles significantly and accelerates processing.
Relationship-Enabled Submission
We do not courier files. We submit in person, at the right desk, with the right introduction. Our banker relationships across 20+ PSU branches in Karnataka mean files move faster through the system — not because of any impropriety, but because the bank knows our files are complete, accurate, and professionally prepared.
Follow-Through Without Exception
We track every file weekly. Queries are responded to within 24 hours. We attend bank meetings when required. We do not consider an engagement complete until the sanction letter is issued and — for term loans — the first disbursement tranche is processed. What happens between submission and sanction is where most advisors disappear. We do not.
Policy Intelligence Built In
Karnataka MSME policy, RBI MSME circulars, CGTMSE scheme revisions, new PSB loan windows — our team tracks every policy development that affects MSME credit. This is not desk research. We attend MoMSME and SLBC Karnataka meetings, maintain relationships with DIC officers across districts, and publish what we learn through our Knowledge Hub.
Confidentiality and Professional Ethics
Every client file — financials, promoter information, business plans — is treated with strict confidentiality. We do not share client information across engagements. We do not refer clients to financial products for commissions. Our only revenue is the advisory fee agreed upfront with the client. This keeps our advice uncompromised.
Practitioners, Not Generalists
MSME Central's advisory team is built around one principle: every person who works on a client file must have spent time on the other side of the desk — inside a bank, inside a CA firm handling MSME audits, or inside an MSME business itself.
Deepak Nandana
Founder & Principal Consultant
Deepak Nandana has spent over fifteen years working at the intersection of MSME finance and institutional credit — advising small and mid-sized businesses on credit access, bank finance, government schemes, and project documentation across Karnataka and beyond.
He founded MSME Central — operating earlier as MSME.CREDIT — as a boutique practice focused exclusively on the financial infrastructure that MSMEs need to grow: end-to-end credit facilitation, Detailed Project Reports, CMA data preparation, Technical and Economic Viability studies, and subsidy and incentive consulting. The firm works directly with PSU banks, CGTMSE, Karnataka DIC, KSFC, and private lenders on behalf of MSME clients across manufacturing, services, healthcare, and food processing sectors.
Prior to founding MSME Central, Deepak served as Principal Consultant at MSME Services, a Bengaluru-based MSME advisory firm. Earlier, he founded Analyst Zone, a KPO serving global clients — work that established the analytical rigour that now underpins his MSME credit practice.
He speaks occasionally at industry forums including CII and MSME-focused industry associations on topics spanning MSME credit policy, bank appraisal standards, and institutional finance for small businesses.
Ex-Bank Credit Officers
Former PSU bank officers with 10–25 years of MSME credit appraisal experience across SBI, Canara, and Union Bank. They know exactly what a credit officer's internal checklist looks like — because they wrote such checklists themselves. They review every DPR and CMA we prepare before it leaves our office.
Chartered Accountants
Practising CAs specialising in MSME financial statement preparation, CMA data, and tax-compliant projection modelling. Every set of financials we prepare is reviewed for consistency between P&L, Balance Sheet, and Cash Flow — a discrepancy that immediately flags a file in a bank's credit committee.
Industry Domain Experts
Sector specialists covering manufacturing, food processing, healthcare, IT services, construction, and trading — who validate the technical and market assumptions in our DPRs. A capacity utilisation figure or raw material cost assumption that does not match industry norms will attract banker queries. Ours do not.
Policy & Compliance Specialists
Team members who track Karnataka state government policy, MoMSME notifications, RBI MSME circulars, CGTMSE scheme changes, GeM policy updates, and MSEFC (Samadhaan) proceedings. They ensure every engagement benefits from the most current policy environment.
This Is Not a Pan-India Platform.
It Is a Karnataka Practice.
Several national advisory and fintech platforms claim to serve Karnataka MSMEs. Most of them know very little about what makes Karnataka's MSME ecosystem distinct — the specific PSU bank branches that actively process MSME credit in Peenya, the KIADB allotment norms for Bommasandra, the DIC processes in Mysuru and Belagavi, the specific schemes available to SC/ST entrepreneurs under Karnataka state policy.
MSME Central is headquartered in Amruthahalli, North Bengaluru. Our team travels to client locations across the state — Mysuru, Hubli-Dharwad, Mangaluru, Belagavi, Tumkur, Shivamogga — for assessments and bank meetings. We attend SLBC Karnataka meetings and maintain relationships with district-level government officers.
We are not trying to scale to 10 states. We are trying to be the most credible MSME financial advisory in Karnataka. That focus is a deliberate choice, not a limitation.
Where We Are Active
- Bengaluru Peenya · Bommasandra · Whitefield · Jigani · Hoodi · Rajajinagar
- Mysuru District Mysuru City · Nanjangud · Mandya · Srirangapatna
- Hubli-Dharwad Hubli KIADB · Dharwad Industrial Estate
- Belagavi Belagavi Industrial Area · Gokak · Bidar
- Mangaluru & Coastal Mangaluru Port Area · Udupi · Bhatkal
- Other Districts Tumkur · Shivamogga · Hassan · Raichur
Three Principles. Non-Negotiable.
Accuracy Over Speed
We would rather take an extra 2 days to get a DPR right than submit a file that will come back with 15 queries. Every number in our documents is cross-verified. Every ratio is calculated, not estimated. A single incorrect figure in a CMA statement can unravel an entire credit proposal at the bank's credit committee stage.
Transparency About Outcomes
If a business is not bankable in its current form, we say so — clearly, specifically, and with a path to what needs to change. We do not string along clients on files that have no realistic chance of sanction. Our reputation with banks depends on the quality of what we submit. We protect that reputation by being honest with our clients first.
Outcome Accountability
Our fee structure is tied to milestones — not just the delivery of a document. We remain engaged until the credit facility is sanctioned and disbursed. We do not define success as "submitted to bank." We define success as "money in your account." This accountability separates advisory from form-filling.
Ready to Work with Karnataka's Most Experienced MSME Advisory?
Write to deepak@msmecentral.in or
call +91 99005 65409.
The first consultation is always free and without obligation.