Thirteen years of getting serious borrowers to the right lender.
Since 2012, CreditCares has structured business finance through its Mumbai head office and Kolkata branch — for MSMEs, manufacturers, developers, contractors and promoter groups across India.
One file, negotiated across eighty lenders
Government schemes and secured bank loans are two different worlds — different eligibility, paperwork and lenders. We run both under one roof, so a business never applies at the wrong door.
Our team maps your profile, turnover and security to the lenders most likely to say yes, prepares a bank-ready file the way credit teams want it, and manages the entire lender relationship until funds are in your account. You make one set of calls — not eighty.
How we work
Transparent, always
We are a consultancy and DSA — not a bank, NBFC or government body. No sanction-guarantee fees, no approval promises. The lender always decides.
Files that credit teams trust
We know how credit officers evaluate files — title issues, FOIR headroom, valuation risks — and fix them before submission, not after rejection.
Specialists, not generalists
Mid-to-large business credit is all we do — ₹1 Cr to ₹100 Cr structured finance, plus every major government scheme. Not retail personal loans.
Frequently Asked Questions
Everything you need to know about securing a About CreditCares — India's Business-Finance Partner Since 2012 with CreditCares.
A About CreditCares — India's Business-Finance Partner Since 2012 is a specialized financial facility designed to provide immediate capital for business expansion, working capital, or asset purchase.
Real Case Study: A Kolkata-based clinic recently used a ₹50 Lakh About CreditCares — India's Business-Finance Partner Since 2012 through CreditCares to upgrade their equipment, securing the funds in just 4 days at 11.5% interest.
Check your About CreditCares — India's Business-Finance Partner Since 2012 eligibility now →
To qualify for a About CreditCares — India's Business-Finance Partner Since 2012, lenders look for absolute stability. You need:
- CIBIL Score: 650 or higher (Strict requirement for unsecured).
- Vintage: Minimum 2–3 years in the current business.
- Turnover: Minimum ₹40 Lakhs annual turnover.
Documents needed: 12 months bank statements, 2 years ITR with computation, GST returns, KYC, and Business Registration.
Interest rates are strictly tied to your CIBIL score and financial health. We negotiate directly with 80+ lenders to secure the lowest bracket.
| Facility Type | Interest Rate (p.a.) | Tenure |
|---|---|---|
| Unsecured About CreditCares — India's Business-Finance Partner Since 2012 | 14.5% – 18.0% | 12 – 48 Months |
| Secured (with Property) | 9.5% – 12.0% | Up to 15 Years |
We do the heavy lifting so you can focus on your business.
- Evaluation: A named advisory desk expert analyzes your bank statements.
- File Preparation: We structure your application to highlight your strengths.
- Sanction: We submit to the right lender. Approval takes 24–48 hours.
- Disbursal: Funds are credited to your account within 3–7 days.
Zero upfront fees. We are compensated directly by our 80+ partner banks and NBFCs upon successful disbursal, or we charge a transparent success fee only after the loan is sanctioned.
We are legally bound to act in your best interest to secure the maximum amount at the lowest possible rate.
Tell us what you need. We'll do the running around.
Share a few details and a CreditCares expert will call you back to map your eligibility and shortlist the right lenders — at no cost.