What is a Contact & Apply and how is it used?

A Contact & Apply is a specialized financial facility designed to provide capital for business expansion, working capital, or asset purchase. For example, a Kolkata-based diagnostic center recently used a ₹50 Lakh unsecured facility to purchase new medical equipment, securing the funds in just 4 days at 11.5% interest.

What are the eligibility criteria and documents required for a Contact & Apply?

Eligibility requires a minimum CIBIL of 650, 2+ years of business vintage, and a minimum turnover of ₹40 Lakhs. Documents include 12 months bank statements, 2 years ITR, KYC, and business registration.

What are the interest rates and tenure for a Contact & Apply?

Interest rates for a Contact & Apply range from 10.5% to 18% annually depending on your CIBIL profile and whether collateral is provided. Tenure ranges from 12 to 180 months.

How does the application process work for a Contact & Apply?

The process is fully assisted. Your dedicated CreditCares advisor evaluates your profile, prepares a bank-ready file, and routes it to the specific lender most likely to approve it. Disbursal typically happens in 3 to 7 days.

Are there upfront fees for a Contact & Apply through CreditCares?

No. CreditCares operates on a success-fee model or is remunerated directly by the partner banks. You pay absolutely zero upfront advisory fees to have your profile evaluated and processed.

Home / Contact & Apply

Reviewed by the CreditCares advisory desk · 13 years in business finance · Last updated 10 July 2026

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.

Call us +91 98300 38870 WhatsApp Quick eligibility chat Email creditcaresindia@gmail.com

Office

Godrej Waterside, 12th Floor, Tower 2,
DP-5, Sector V, Bidhannagar, Kolkata 700091

Check your eligibility

Free · No obligation · We'll call you back

Full name

Mobile number

Loan type

Loan amount

City

JavaScript is off — chat on WhatsApp or call 98300 38870 instead.

By submitting, you agree to be contacted by CreditCares. We respect your privacy.

Contact & Apply FAQs

Frequently Asked Questions

Everything you need to know about securing a Contact & Apply with CreditCares.

A Contact & Apply 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 Contact & Apply through CreditCares to upgrade their equipment, securing the funds in just 4 days at 11.5% interest.

Check your Contact & Apply eligibility now →

To qualify for a Contact & Apply, 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.

Upload your documents securely here →

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 Contact & Apply	14.5% – 18.0%	12 – 48 Months
Secured (with Property)	9.5% – 12.0%	Up to 15 Years

Get a personalized rate quote →

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.

Start your application today →

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.

Talk to an advisor for free →

Let's find your loan