Business Loan Consultants — Pan India
Get Your Business Funded — Without the Months of Waiting and Unexplained Rejections
Working capital, expansion, equipment, cash flow — we match your business profile to the right lender and get you funded faster than going directly to a bank.
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Check your eligibility — free
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What is this?
Understanding this loan — in plain English
A business loan provides capital for your enterprise — working capital, buying equipment, expanding to a new location, hiring staff, or managing cash flow gaps. It can be secured (backed by an asset) or unsecured (based on your financials and credit history).
The challenge most business owners face is that banks evaluate business loans differently from personal loans. They look at business vintage, turnover, GST compliance, bank statement patterns, and existing obligations — all at once. Presenting this correctly is the difference between approval and rejection.
Who Qualifies
Are You Eligible? Check in 30 Seconds.
Businesses — General
- Business vintage minimum 2 years
- Annual turnover minimum ₹10 lakh
- GST registered (for loans above ₹10 lakh)
- CIBIL score 650+ (personal and business)
- Clean bank statement — no frequent bounces
Entity Types
- Proprietorship, Partnership, Pvt Ltd, LLP all eligible
- Audited financials for last 2 years (for larger amounts)
- ITR filed consistently for last 2–3 years
- No major defaults on existing loans
- Udyam registration preferred for MSME loans
Not sure if you qualify? WhatsApp us — we'll tell you in 5 minutes.
Why Credit Consultancy
KEY FEATURES
Working Capital
Finance your day-to-day operations — inventory, salaries, vendor payments. We find the right overdraft or working capital limit for your turnover.
Business Expansion
Opening a new branch, entering a new market, or scaling production? We fund expansion with term loans structured around your cash flows.
Equipment Purchase
Need machinery, vehicles, or technology? We structure equipment loans where the asset itself is collateral — preserving your working capital.
Cash Flow Gaps
Seasonal business? Invoice delays? We find short-term facilities that bridge the gap without expensive informal borrowing.
Debt Consolidation
Multiple high-interest loans draining your margins? We consolidate into a single, lower-rate facility — reducing your monthly burden significantly.
Startup Funding
New business with limited history? We work with NBFCs and government schemes like CGTMSE and MUDRA that fund early-stage businesses others won't touch.
How It Works
5 steps from first call to funded
WhatsApp us
Tell us your requirement, amount and city
Profile review
We assess eligibility and fix issues
Lender match
Right lender identified for your profile
We apply
Clean application submitted correctly
You get funded
We follow up until money hits your account
Why smart borrowers come to us first
Ex-bankers on your side
We know how credit decisions are made — because we used to make them. That knowledge means fewer rejections for you.
Right lender, first time
We match your profile to the lender most likely to approve — before applying. No shotgun approach. No score damage.
Faster than going directly
We know exactly what each lender needs. No back-and-forth. No missing documents. Faster approval from day one.
Pan India — any city
We work with lenders across India. Wherever you are, we find the right lender for your profile and your property.
Zero consultation fee
We earn from the lender when your loan is disbursed. You pay us nothing. Our interests are aligned with yours.
We stay until it's done
We don't disappear after submitting. We follow up daily until the money hits your account. No chasing required.
Documents
What You'll Need to Apply
Don't worry if you don't have everything ready. WhatsApp us first — we'll tell you exactly what applies to your situation.
Business Identity
- ✓ GST Certificate
- ✓ Udyam / MSME Registration
- ✓ Business PAN
- ✓ Partnership deed / MOA-AOA (if applicable)
Promoter KYC
- ✓ PAN Card
- ✓ Aadhaar Card
- ✓ Passport size photo
Financial Documents
- ✓ Last 2–3 years ITR with computation
- ✓ Audited Balance Sheet and P&L (CA certified)
- ✓ Last 12 months current account statements
- ✓ GST returns — last 12 months
Other
- ✓ Existing loan statements (if any)
- ✓ Office / factory rent agreement
- ✓ List of assets (for secured loans)
Not sure what you need?
WhatsApp us — personalised document checklist in minutes, free.
→ WhatsApp us nowFAQ
Questions People Ask Before Applying
Q: My business is 1 year old. Can I get a loan?
Yes — some NBFCs and government scheme lenders fund businesses with 12+ months vintage. CGTMSE and MUDRA are specifically designed for early-stage enterprises. We identify which lenders are open to your vintage.
Q: What's the maximum amount I can borrow?
For unsecured business loans, most lenders cap at 20–30% of your annual turnover. So a business with ₹1 crore turnover can typically access ₹20–30 lakh unsecured. With collateral or under CGTMSE, the amount can go significantly higher.
Q: My GST turnover is lower than actual. Will that hurt?
This is common. We work with lenders who consider both GST returns AND bank statement cash flows to assess income. Your actual transaction volume often tells a better story than declared GST alone.
Q: I have an existing loan. Can I get another?
Yes — as long as your FOIR (Fixed Obligation to Income Ratio) is within acceptable limits. We calculate this before applying so you know your eligibility.
Q: How fast can I get funds?
For clean profiles with good financials, approvals in 48–72 hours are possible. Disbursal typically follows within 3–5 working days.
Q: Do you charge any fees?
No. Zero consultation fees. We earn from the lender only when your loan is disbursed.
Ready to Get Your Business Funded?
One WhatsApp message is enough to get started. Tell us your requirement, your city, and your approximate turnover — we'll tell you exactly what you qualify for.
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