Loan Services
Loan categories, explained before you apply
Saltofin advises on personal, working capital, MSME, and other major loan categories. Each has its own eligibility profile, document list, and intended use, so the right starting point depends on what the money is for.
Four borrowing categories we advise on
Personal loans
Unsecured borrowing for individual liquidity needs, including debt consolidation. Eligibility centers on income stability and repayment history.
Working capital loans
Short-cycle funding structured around cash-flow and operating timelines, such as payroll, inventory, and receivables gaps.
MSME and other major loans
Dedicated MSME financing for small and medium enterprises, plus other major commercial categories for expansion and equipment.
Our approach
Matching the category to the need
Applicants often start with a lender rather than a category, then find the documents or eligibility rules do not match. We begin with the purpose of the funds, the timeline, and the information a lender is likely to request.
From there, we explain which lender types typically offer that category and what preparation can reduce back-and-forth. The final choice remains yours, and our guidance is impartial.