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TATA MBL Product Portfolio
1. Pre-Approved Program
Loan Amount: ₹1 – ₹15 Lakhs
Key Benefits:
Based on CIBIL scorecard
No Business Continuity Proof (BCP) required
No Ownership Proof required
Eligibility:
CIBIL-based pre-approval
Minimal documentation
2. BL Prospect Program
Loan Amount: ₹1 – ₹10 Lakhs
Key Benefits:
Simple and structured for growing businesses
Based on actual banking and ownership records
Eligibility:
CIBIL Score: 675+
Business Continuity Proof (BCP): Minimum 1 year
Ownership Proof: Required
CIBIL Enquiries: ≤ 5
Banking Requirement: Maintain ABB on dates 2, 4, 10, 17, and 25 for last 6 months
3. EMBL Program
Loan Amount: ₹3 – ₹15 Lakhs
Key Benefits:
Higher funding based on income documents
Stable profile targeting established businesses
Eligibility:
ITR: Minimum 2 years with Certificate of Incorporation (COI)
Banking: Last 6 months
CIBIL Score: 700+
BCP: Minimum 3 years
Ownership Proof: Required
CIBIL Enquiries: ≤ 5
4. Smart SME Program (Repayment Surrogate)
Loan Amount: Based on MOB multiplier (Unsecured limit: ₹6–₹9 Lakhs)
Key Benefits:
Based on repayment behavior
Suitable for borrowers with recent repayment track
Eligibility:
MOB (Months on Book) paid history is considered
Unsecured limit based on MOB multiplier
5. GST Surrogate Program
Loan Amount: ₹3 – ₹10 Lakhs
Key Benefits:
Ideal for GST-compliant businesses
Funding based on turnover without income proof
Eligibility:
Turnover: ₹30 Lakhs to ₹5 Crores (based on GST returns)
CIBIL Score: 700+
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CP Advisor Digital Pvt Ltd provides instant personal and business loans across PAN India through our extensive network of DSA partners. Our seamless loan process ensures quick approvals and hassle-free disbursals, helping individuals and businesses achieve their financial goals with ease.