Run the numbers before you apply.
A handful of tools to help you plan a business loan realistically — estimate your EMI, get a rough sense of eligibility, and understand what shapes your CIBIL score before a lender looks at it.
EMI Calculator
Our interactive EMI calculator on the home page lets you enter a loan amount, interest rate and tenure to instantly see your monthly instalment, total interest and total payable.
Use it to test different scenarios — a shorter tenure at a higher EMI usually saves substantial interest over the life of the loan compared to a longer tenure at a lower EMI.
Figures are indicative; your actual rate depends on the lender, your profile and the specific product.
Eligibility Checker
A quick, no-obligation way to get a sense of which loan category and rough quantum fits your situation, based on a few questions about your business, turnover and requirement.
This is a starting point, not a substitute for a full assessment — our advisory desk reviews your actual documents before any real sanction figure is discussed with a lender.
CIBIL Score & Improvement
Understanding what shapes your CIBIL or CMR score, and cleaning up avoidable issues before you apply, can meaningfully change both your eligible loan amount and the rate you are offered.
Government Scheme Matcher
Not every business qualifies for every scheme — CGTMSE, PMEGP, Mudra, Stand-Up India, PM Vishwakarma and CLCSS each have different eligibility conditions and are suited to different situations.
Rather than a generic calculator, our advisory desk maps your specific profile against the current scheme landscape and tells you which route, if any, is worth pursuing ahead of a purely commercial loan.
Frequently Asked Questions
The questions our advisory desk is asked most often about Tools & Calculators.
They give a good indicative estimate based on the numbers you input, but the actual rate, tenure and eligible amount depend on the specific lender's assessment of your complete profile.
Use them for planning and comparison, not as a final quote.
No, all tools on this page are free to use, with no registration required.
No. They give you a general sense of eligibility and likely EMI. Matching you to the specific lenders most likely to approve your actual file, based on your documents, is what our advisory desk does once you reach out.
If the numbers look workable, use the "Check your eligibility" button anywhere on the site, or message us on WhatsApp, and we will take it from a rough estimate to an actual assessment against our lender panel.
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.