Built for CAs, Lawyers, Real Estate Agents & Business Consultants
Join India's MSME loan specialist with a 14-year track record. Refer your business clients for Loan Against Property (LAP), Working Capital, Cash Credit, and more—and earn structured referral income on every successful disbursement.
What is the CreditCares Loan DSA Partner Program?
The CreditCares Loan DSA Partner Program lets professionals across India—CAs, lawyers, real estate agents, and business consultants—earn referral income on every business loan, LAP, or working capital facility their clients avail through CreditCares. Registration is free, zero investment is required, and payouts are processed after loan disbursement through a transparent agreement.
If you are a CA filing returns for 50 MSME clients, a lawyer handling commercial property deals, a real estate broker connecting buyers with lenders, or a business consultant advising MSME growth, you already hold the most valuable asset in the lending business: a trusted, ongoing relationship with people who need credit.
CreditCares has been connecting MSME and corporate borrowers with the right loan products since 2012. With 50+ bank and NBFC tie-ups across India and specialization in high-ticket products, we are now building a Pan-India partner network for professionals who want structured referral income without disrupting their core work.
Strategic Insight: Why Professional Partners Earn More
Most DSA programs focus on retail loan volume (e.g., personal loans in the ₹1–5 lakh range with a ₹500–₹2,000 commission per case). You need 80 to 100 disbursals a month to earn meaningfully from that model.
CreditCares focuses on MSME and corporate credit. A single ₹1 crore LAP can generate ₹50,000–₹1.5 lakh in referral income. One quality case from your professional network outperforms a hundred cold-sourced retail leads.
Who Is the CreditCares Partner Program Designed For?
The CreditCares Partner Program is built for working professionals with existing client relationships. If your current work regularly puts you in front of business owners, property holders, or MSME promoters anywhere in India, you are a natural fit.
| Your Profession | Why You're a Fit | Best Products to Refer |
|---|---|---|
| Chartered Accountant (CA) | You review clients' financials monthly and know when they need growth capital. | Business Loans, CC/OD, Working Capital, LAP |
| Lawyer (Property/Commercial) | Property deals put you face-to-face with collateral and credit needs. | LAP, Project Loans, Mortgage Loans |
| Real Estate Agent / Broker | You match buyers to properties; LAP and mortgage finance are natural extensions. | LAP, Working Capital on Property |
| Business Consultant / Advisor | Your MSME clients ask about expansion funding and cash flow. | Project Loans, Business Loans, CC/OD |
| Insurance Agent / LIC Advisor | You have an established financial client base. references expand your ticket sizes. | Personal Loans, Home Loans, LAP |
| Ex-Banker / Financial Analyst | Excellent product knowledge. Build independent income from what you already know. | LAP, CC, Working Capital, Project Loans |
| Financial Advisor | You are their point of contact for financial planning; credit is the next conversation. | LAP, Working Capital, Business Loans |
Note: You do not need to be a finance professional. You simply need a professional network that involves people with business credit requirements.
What Loan Products Can You Refer?
The CreditCares partner program covers all major secured and unsecured business credit products, processed through 50+ banks and NBFCs.
| Loan Product | Typical Loan Range | Target Audience |
|---|---|---|
| Loan Against Property (LAP) | ₹50L – ₹10 Cr+ | Business owners using residential/commercial property as collateral. |
| Working Capital Loan | ₹50L – ₹5 Cr | MSMEs needing funds for operations, inventory, and vendor payments. |
| Cash Credit Facility | ₹50L – ₹10 Cr | Businesses with revolving credit needs to fund invoice gaps. |
| Overdraft Facility | ₹50L – ₹5 Cr | Flexible credit line against property or fixed deposits. |
| Project Loan | ₹1 Cr – ₹100 Cr+ | Companies looking at expansion, capacity addition, or infrastructure spends. |
| Invoice Funding | ₹50L – ₹5 Cr | Businesses with outstanding receivables from large corporates or government. |
| MSME Financing | ₹20L – ₹2 Cr | Udyam-registered MSMEs eligible for collateral-free credit schemes. |
How Much Can You Earn? A Realistic Breakdown
CreditCares' focus on secured business loans means referral income per case is substantially higher than typical retail DSA programs. A single disbursed LAP can generate ₹25,000 to ₹2 lakh or more.
| Partner Type | Typical Client Base | Realistic Referrals/Year | Est. Annual Payout |
|---|---|---|---|
| CA / Tax Consultant | 50–150 MSME clients | 6–15 cases | ₹1.5L – ₹8L |
| Lawyer (Property) | 20–60 deals/year | 4–12 cases | ₹2L – ₹12L |
| Real Estate Broker | 10–40 deals/year | 4–10 cases | ₹1.5L – ₹10L |
| Business Consultant | 20–80 clients | 5–15 cases | ₹2L – ₹10L |
| Insurance Agent | 100–500 clients | 4–12 cases | ₹80K – ₹4L |
| Ex-Banker / Analyst | 30–100 contacts | 6–20 cases | ₹2L – ₹20L |
(Indicative ranges only. Actual payouts depend on the loan product, disbursed amount, and your individual DSA agreement.)
📋 Worked Example: CA Firm, Pan-India
A CA firm managing 65 MSME client accounts in Delhi identified nine clients with active loan requirements over one financial year. This included working capital limits, a project loan for factory expansion, and two LAP cases.
- Total disbursed: ~₹4.2 crore.
- Total referral income earned: ~₹2.7 lakh.
The nine referrals came naturally from the CA's existing monthly client interactions. The partnership simply formalized the income that the professional relationship had always been generating.
What CreditCares Gives You That Generic Programs Don't
- 50+ Banks & NBFCs: More lender options mean higher approval rates for your clients.
- MSME Specialization: Bigger loans mean meaningful commissions per referral.
- Dedicated Relationship Manager (RM): You get a named RM to handle cases from submission to disbursement—no bots.
- Full Product Training: We provide complete onboarding training; no prior lending experience is needed.
- Transparent Payouts: Commission structures are defined upfront. No hidden deductions.
- 14-Year Track Record: Established in 2012, we leverage deep bank relationships to resolve escalations swiftly.
🔍 Insider Insight: Why the Top 20% Succeed
The professionals who consistently earn ₹1 lakh or more per month from loan referrals are rarely the ones with the deepest banking knowledge. They are the ones who already own a trusted professional relationship with the borrower.
A CA filing GST returns knows before the client does when working capital is about to tighten. A lawyer drafting a property purchase deed knows exactly whether a LAP could unlock business capital. The loan does not come out of nowhere; it emerges naturally from pre-existing trust. A CreditCares partnership turns what you already know about your clients into structured, verified referral income.
How to Register — 4 Easy Steps
Fill Out the Online Registration Form
Submit your basic details and professional background via the registration form below.
Upload KYC Documents
Submit soft copies of your standard KYC documents (PAN, Aadhaar, and cancelled cheque).
Speak with Your RM
Within 24–48 working hours, your dedicated RM will explain the product suite, payouts, and answer your questions.
Sign the Agreement & Start Earning
Once satisfied, sign the digital DSA agreement. You are now an official partner!
Documents Required for Registration
Documentation is minimal. You do not need to submit property documents, collateral, or your own financial statements.
For Individuals (Sole Proprietors, Freelancers, Professionals):
- PAN Card (Mandatory)
- Aadhaar Card
- Cancelled Cheque / Bank Statement
- Passport-Size Photograph
For Firms & Companies (Partnership / Pvt Ltd / LLP):
- PAN Card of the Firm
- GST Registration Certificate
- Firm / Company Registration Certificate
- Cancelled Cheque (Business Account)
- Aadhaar + PAN of the Authorized Partner/Director
Frequently Asked Questions
Partner Application Form
Become a CreditCares Loan DSA Partner. Fill out the details below to start onboarding.