Loans
The right lender, not the nearest one
Working capital, property, home, business, personal and project finance. We take one set of documents to the lenders most likely to say yes, instead of you walking into four branches and being told no three times.
Start your loan applicationCall +91 88067 78771
What we arrange
The last two are where this practice is genuinely different. Most advisors in Maharashtra do not offer them at all.
Borrow against property you already own, usually at a materially lower rate than an unsecured loan and over a longer term.
A limit you draw on only when you need it, and pay interest only on what you have drawn. Built for a business whose money comes in unevenly.
Purchase, construction, and balance transfer to a lower rate. On a twenty-year loan, half a percent is not a rounding error.
Unsecured borrowing where there is no collateral to give, or where speed matters more than rate.
Structured funding for a specific project — a new unit, an expansion, plant and machinery — where the repayment is planned around when the project starts earning.
Speciality desks
Both exist because the standard underwriting question — what can you pledge? — is the wrong question for these borrowers.
Financing for a clinic or hospital, underwritten on your qualification, specialisation and practice revenue rather than on collateral you have not accumulated yet. See how doctor loans work →
Funding arranged alongside the incorporation and compliance work, so government-scheme eligibility is not lost while the paperwork catches up. See how startup funding works →
How it works
Before any application goes anywhere. A rejected application leaves a mark on your credit report; a conversation does not.
We know which lenders are lending to your profile this quarter, which is not the same as which have the best rate on their website.
Valuation, legal, sanction and disbursement. You get told what is happening rather than having to ring and ask.
Rate, tenure, processing fee, prepayment terms — side by side. The lowest rate is not always the cheapest loan.
Before you apply anywhere
Each formal application triggers a hard enquiry on your credit report. Several in a short window makes the next lender more cautious, not less — which is how people end up borrowing at a worse rate than they qualified for.
So we check first and apply once. If the answer today is no, we will tell you what changes it to a yes, and roughly how long that takes.
Our panel
We are a distributor and broker, not an insurer or a lender. Policies are issued and underwritten by the companies above, and loan approval and terms rest entirely with the lending institution. What we do is match you to the right one and carry the paperwork.
FAQ
Does it cost me anything to apply through you?
No. We are paid by the lender on disbursal. The lender’s own processing fee is the same whether you apply through us or walk into the branch yourself.
What credit score do I need?
Most lenders want 700 or above for unsecured borrowing. Secured loans — against property in particular — are more forgiving, because the security does part of the work. Below 650 the honest answer is usually to fix the score first, and we will tell you how.
How long does approval take?
Unsecured business and personal loans are typically days. Anything secured against property takes longer because of valuation and legal checks — usually two to four weeks. Anyone promising a property-backed loan in 48 hours is describing something else.
Can I borrow without collateral?
Yes — business loans, personal loans, and the doctor loan, which is assessed on your practice rather than your assets. Expect a higher rate than a secured loan, because the lender is carrying more risk.
Will you check my eligibility without a formal application?
Yes, and we prefer to. It costs you nothing and leaves no mark on your credit report.
Do you arrange loans outside Maharashtra?
Our practice is Maharashtra-based and that is where we work best, because we know the local lenders and valuers. Ask us about anything outside the state and we will tell you honestly whether we can help.
No formal application, no mark on your credit report. Just an answer.
Start your loan application Call +91 88067 78771
Application forms are being finalised. Until they are live, call or email us and we will start your application directly.