Vashnavi Fintech
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Commercial Credit

Business & MSME Loan Solutions

Fuel your enterprise growth with collateral-free working capital and business expansion funding. Sanctioned in 48 hours with minimal red tape.

11.99%
Starting Interest Rate (p.a.)
High Limit
Maximum Collateral-Free Limit
Up to 7 Yrs
Flexible Repayment Tenure
48 Hours
Express Sanction Window
Scale Without Limits

Empowering India's Entrepreneurs & Enterprises

Running a successful enterprise requires continuous, uninterrupted working capital. Whether you are dealing with seasonal inventory demands, taking on a large new client contract, investing in state-of-the-art machinery, or hiring top talent, Vashnavi Fintech Private Limited provides rapid commercial loans without the headache of pledging business assets or property.

Working Capital

Bridge cashflow gaps between supplier payments and client invoice receivables.

Machinery & Tech

Upgrade your production line, computer systems, or logistics fleet easily.

Expansion Funds

Open new retail outlets, expand into new geographic markets, or build inventory.

Tax Benefits

Interest paid on business loans is fully tax-deductible as an operating expense.

Eligibility & Document Checklist

Eligibility Criteria

  • Entity Type: Proprietorship, Partnership, LLP, Pvt Ltd
  • Business Vintage: Minimum 2 years of active operations
  • Annual Turnover: Minimum ₹25 Lakhs per year
  • Promoter Age: 24 to 65 years

Documents Required

  • PAN Card & Aadhaar of Promoters/Directors
  • Business Proof: GST Certificate, Udyam MSME, Incorporation
  • Last 12 Months Current Bank Account Statements
  • Last 2 Years ITR & Computation of Income (P&L, Balance Sheet)

Commercial Loan Pricing Matrix

Interest Rate Range 11.99% to 21.00% per annum (Based on turnover & cashflow health)
Processing Charges 1.25% to 2.50% of sanctioned limit + GST
Collateral / Security Nil for eligible unsecured MSME facility
Disbursement Schedule Direct RTGS/NEFT to Business Current Account in 48 hours
Quick Assistance

Enquire for Business Loan

Fast-track working capital evaluation for registered firms.

Bank-grade encryption • Confidential processing
Business Queries

Business Loan FAQs

No. Our flagship MSME & Business Loan program offers unsecured financing without requiring property or equipment mortgage. Sanction is determined by your GST turnover, banking cashflow track record, and business continuity.

Eligibility is assessed using your 12-month current account average bank balance (ABB), monthly GST returns, and net profit margins reported in your previous 2 years' ITR filings.

For standard unsecured business loans, a minimum of 2 years of active business continuity is required. For early-stage firms with high turnover or collateral backing, we offer customized financing options via our specialized NBFC partner programs.