Best for: Starting out, testing a product, buying first batch of inventory

Typical use:

• First round of inventory purchase
• Setting up Shopify store and branding
• Initial ad spend for product testing
• Packaging and labels

Scheme: MUDRA Micro (Shishu) — simplest to get, fastest approval

Repayment: 3-5 years

Best for: Scaling proven product, hiring team, expanding catalog

Typical use:

• Bulk inventory purchase for scale
• Scaling ad budget beyond profitability
• Hiring 2-3 team members
• Warehouse or fulfillment setup

Scheme: MUDRA Kishore or CGTMSE via your bank

Repayment: 3-7 years

Best for: Established brands scaling rapidly, building infrastructure

Typical use:

• Large-scale inventory for festive seasons
• Building own fulfillment center
• Acquiring another brand
• National expansion and team scaling

Scheme: CGTMSE or SIDBI — requires solid financials

Repayment: 5-10 years