    ●LENDING PARTNER OF [XX] RBI-REGULATED BANKS & NBFCs · DSA CODE [XXXXXX]
  

[Brand Name]

[XX] lenders · [₹XX Cr] disbursed [PHONE] Check eligibility

01 — ELIGIBILITY

Find out if you qualify
before anyone pulls
your credit report

A rejected application sits on your bureau file for years and makes the next one harder. Check the numbers here first. No OTP, no PAN, no footprint.

→ [We are a loan distributor, not a lender. We do not decide your application — the bank does.]

→ [We are paid a commission by the lender on disbursal. You pay us nothing, ever.]

→ [If you will not qualify anywhere, we tell you now and say what to fix.]

ANNUAL TURNOVER {{ turnoverLabel }}

BUSINESS VINTAGE {{ vintageLabel }}

EXISTING MONTHLY EMI {{ emiLabel }}

AMOUNT SOUGHT {{ soughtLabel }}

CREDIT SCORE BAND

INDICATIVE OUTCOME {{ statusLabel }}

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Indicative rate{{ rateLabel }}

Tenure assumed{{ tenureLabel }}

Est. monthly EMI{{ newEmiLabel }}

Total EMI burden after{{ burdenLabel }}

Take this to a lender

Illustrative arithmetic. Not an offer, sanction or commitment to lend. Eligibility, rate and amount are decided solely by the lender after full underwriting.

02 — WHAT HAPPENS TO YOUR FILE

DAY 0

Soft check

[We assess documents against each lender's published criteria. No bureau enquiry yet.]

DAY 1–2

Shortlist

[We name the [2–3] lenders most likely to approve, and the ones that will not. You choose.]

DAY 2–3

Single application

[One lender at a time. Spraying applications damages your bureau score — we will not do it.]

DAY 3–10

Underwriting

[We answer the credit team's queries directly so the file does not stall waiting on you.]

DAY 7–21

Sanction or decline

[If declined, we get the reason in writing and tell you when to reapply — not next week.]

03 — WHAT WE PLACE

Six products, and who each one is wrong for

Rates are indicative ranges across our lender panel and change constantly. Verify before publishing.

PRODUCT
TICKET
RATE p.a.
SECURITY
NOT RIGHT IF

[Unsecured business loan]

[₹5L–50L]

[16–24]%

None

[You have collateral available — secured lending costs far less.]

[Loan against property]

[₹25L–10Cr]

[9–13]%

Property

[The need is short-term. You are pledging a home against a working-capital gap.]

[Working capital / CC-OD]

[₹10L–5Cr]

[10–16]%

Stock / book debt

[You need a lump sum for an asset — a term loan is cheaper than running an OD hot.]

[Equipment / machinery loan]

[₹5L–5Cr]

[11–17]%

The asset

[The machine will be obsolete before the tenure ends. Check the resale market first.]

[Invoice discounting]

[₹2L–2Cr]

[12–20]%

Receivables

[Your buyers pay on time anyway. You would be paying to solve a problem you do not have.]

[Govt. scheme — [CGTMSE / MUDRA]]

[₹50K–5Cr]

[8–14]%

Guarantee-backed

[You need money this month. Scheme files take longer — often [45–90] days.]

04 — WHY FILES GET DECLINED

The eight reasons, in the order we see them

Most are fixable in [60–90] days. Applying before you fix them turns a soft problem into a hard bureau record.

Have your file pre-checked

01 [Bank statements show cheque bounces in the last [6] months] [6] mo fix

02 [Too many recent enquiries — the file looks shopped around] [3] mo fix

03 [Declared turnover does not match GST returns] Structural

04 [Existing EMI burden already above [50]% of monthly inflow] [12] mo fix

05 [Business vintage under the lender's minimum — usually [2–3] years] Time only

06 [Director or promoter has a settled or written-off account] Structural

07 [Negative or non-standard industry on the lender's exclusion list] Switch lender

08 [Incomplete file — missing ITR, GST or ownership proof] Days

05 — WHAT TO KEEP READY

Documents

[PAN, Aadhaar & business registration]ALL

[Bank statements, last [12] months]ALL

[ITR with computation, last [2] years]ALL

[GST returns, last [12] months]IF REGD.

[Audited financials]ABOVE [₹2CR]

[Existing loan sanction letters]IF ANY

[Property papers & valuation]SECURED ONLY

06 — WHAT IT COSTS YOU

Charges, all of them

Our fee to youNIL

[Lender processing fee][1–3]%

[Legal & valuation, secured loans][₹X,XXX]

[Stamp duty on documents]At actuals

[Foreclosure charge][0–5]%

Our commission, paid by lender[0.5–2]%

Never pay an advance fee. No genuine distributor or lender asks for money before sanction. If anyone using our name does, call [PHONE] immediately.

07 — QUESTIONS

Before you let anyone run a check

[No — explain that this tool runs entirely in the browser with no PAN or bureau call, and state exactly when in the process a hard enquiry does occur and that you ask permission first.]

[State your exact regulatory status — DSA, distributor, or NBFC — and the registration number. Do not blur this; RBI takes a dim view of distributors presenting as lenders.]

[Explain what multiple hard enquiries in a short window do to a bureau score, and why sequencing gets a better rate even though it takes longer.]

[Answer honestly — you cannot influence a credit decision. Describe which lenders have appetite lower down the score band and what that costs in rate.]

[Which lenders receive them and only on your consent, retention period, deletion on request, and your obligations under the [DPDP Act].]

[Yes — describe the cases where taking the loan is the wrong move, and note that you earn nothing when you say so. This is the most valuable answer on the page.]

08 — SOFT CHECK

No bureau enquiry until you say go

Send the basics. We match your profile against each lender's published criteria and come back with who is likely to say yes — before anything touches your credit file.

→[We never charge you a fee — at any stage, for any reason.]

→[Your file goes to one lender at a time, with your written consent each time.]

→[If nobody will lend right now, we say so and give you the [90]-day fix list.]

          [PHONE]
          WHATSAPP
          [EMAIL]
        

ROUTING — ILLUSTRATIVE

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Wire this form to your CRM and replicate the logic server-side.

Do not upload documents here. We will send a secure link. No fee is ever payable to us.

Call WhatsApp Check eligibility

Find out if you qualifybefore anyone pullsyour credit report