Regulatory Financial Disclaimer
CreditCares is an independent corporate financial advisory firm and Direct Selling Associate (DSA). CreditCares is not a Bank, Non-Banking Financial Company (NBFC), or direct lender.
1. Absence of Direct Lending Authority
CreditCares (creditcares.in) acts purely as an intermediary financial consultant connecting qualified mid-market corporate borrowers with regulated Scheduled Commercial Banks (Public Sector Undertakings and Private Sector Banks) and institutional NBFCs. CreditCares does not accept public deposits, underwrite risks on its own balance sheet, or disburse loans directly.
2. Sole Discretion of Lending Institutions
All loan approvals, in-principle sanctions, interest rates (repo-linked, MCLR, or spread), loan-to-value (LTV) ratios, processing charges, repayment tenors, and legal covenants remain at the sole, unfettered discretion of the participating lending institutions. Issuance of an advisory term sheet by CreditCares does not constitute a legal sanction or commitment to disburse.
3. Zero Guaranteed Loan Approvals
In compliance with ethical credit guidelines, CreditCares does not make false or misleading claims regarding "guaranteed sanctions," "instant approvals," or pre-determined interest rates. Every corporate application is subject to statutory credit committee scrutiny, Bureau/CIBIL clearance, and collateral verification.
4. Illustrative Financial Calculators
All figures generated by loan calculators, EMI estimators, and LTV charts on this website are illustrative estimations based on user-entered mathematical inputs and do not account for bank-specific risk premiums or processing fees.