LOAN ADVISORY IN MUMBAI AND AHMEDABAD
One advisor. Many lenders. The loan that fits you.
We compare offers from banks and NBFCs, prepare your file and assign a dedicated planner to your case.
- Zero hidden cost
- Dedicated planner assigned
- Banks and NBFCs compared
- Paperless process
40+
Partner Banks & NBFCs
1,000+ Clients
Individual & Business Clients
12+ Yrs
Advisory Vintage
2 Cities
Mumbai & Ahmedabad
OUR SOLUTIONS
Loans we arrange
For individuals, NRIs and businesses. We compare lenders for each product and recommend the best fit for your profile.
- Collateral-free funding up to ₹40 lakh
- Fast approval in 24 to 48 hours post verification
- Flexible tenure from 12 to 84 months
- Zero asset pledge required to apply
- Rapid processing based on income & credit score
- Short-term options to repay faster with less debt
- Life, Health, General and Keyman insurance plans
- Unbiased policy comparison across top Indian insurers
- End-to-end claim assistance and renewal support
- Compare home loan offers from banks and HFCs
- Tenure up to 30 years with lowest rates from 8.5%
- Complete assistance with property papers & legal check
- Unlock up to 80% of your property market value
- Repayment tenure up to 20 years with low EMIs
- Available for residential and commercial properties
- High loan amounts based on turnover & cash flow
- Competitive interest rates with structured EMIs
- Quick turnaround time with dedicated advisor
- Zero collateral required — business assets stay safe
- Evaluated on banking cash flows and business health
- Fast disbursal with minimal documentation
- Cash credit (CC), overdraft (OD) & invoice financing
- Keep day-to-day operations smooth without liquidity crunch
- Pay interest only on the amount utilized
- Customized project financing for residential & commercial
- Disbursement milestone-linked to construction stages
- Dedicated advisor to navigate lender criteria
- Pledge shares, mutual funds or bonds without selling
- Retain dividend rights, bonuses and capital appreciation
- Instant overdraft limit against approved portfolio
About Nihal Fintech
Institutional debt advisors, not transactional loan agents
Founded as a financial advisory practice in 2013 and incorporated as Nihal Fintech Pvt. Ltd. in 2023, we help borrowers navigate complex financing requirements through a network of banks and financial institutions.
Our financial advisory approach
Every financing requirement is different. We assess your financial profile, documentation and funding requirement to identify suitable lending options from our network of banks and financial institutions.
We support lender comparison, application structuring, documentation and coordination through the process, while the final approval, terms and rates remain with the selected lender.
Advisory roots
2013
Financial advisory practice
Incorporated
2023
Nihal Fintech Pvt. Ltd.
Lender network
40+*
Banks and financial institutions
Why Nihal Fintech
One branch, or the whole market
Walking into a bank gets you that bank’s answer. Coming to us puts your profile in front of the lenders most likely to approve it.
Going to one bank
- You
- Bank
- Yes / No
- Lenders compared
- One: the bank you walked into
- Who checks your file first
- The bank, after you apply
- If your profile does not fit
- Rejection, then start again elsewhere
- Credit enquiries
- Can add up if you try several banks
- Rate and fee negotiation
- Standard offer
- Support until disbursement
- You follow up yourself
Going through Nihal Fintech
- 40+ banks and NBFCs
- Your advisor, before any lender sees it
- Sent only to lenders whose policy fits
- Fewer, because you apply where it fits
- Compared and negotiated across offers
- One advisor follows up for you
Plan before you apply
Work out your EMI and get the exact list of papers lenders ask for.
For planning only. Your lender confirms the final EMI.
CASE STUDY
A deal we have closed
From a client’s own words on our website.
WORKING CAPITAL ENHANCEMENT
A Mumbai-based engineering components manufacturer with ₹60 Cr turnover and 12 years in business. Its existing ₹4 Cr cash credit limit no longer matches its order book.
Our approach: assess the working capital need from audited financials, the stock and debtor cycle, and the order pipeline. Then propose increasing the limit to ₹8 Cr, backed by stock and book debts, with the factory land and building as additional security.
Client
Engineering manufacturer, Mumbai
Turnover
₹60 Cr
Structure
Cash credit enhancement (₹4 Cr → ₹8 Cr)
Security
Factory land & building, valued ~₹12 Cr
industry desks
Sector desks for large funding
Big-ticket loans need someone who understands how your industry earns. Each desk works with lenders that know your sector.
- Construction and project finance
- Lease rental discounting
- Loan against commercial property
- Working capital limits
- Machinery and capex term loans
- Loan against factory property
- Expansion and equipment finance
- Working capital
- Loan against hospital property
Real estate & construction
- Construction and project finance
- Lease rental discounting
- Loan against commercial property
Manufacturing & Engineering
- Working capital limits
- Machinery and capex term loans
- Loan against factory property
Doctors
- Expansion and equipment finance
- Working capital
- Loan against hospital property
track record
Businesses we have worked with
From first-time home buyers to companies raising crores in working capital. Client logos are shown with each company’s permission.
our offices
Meet us in person
Visit an advisory office, or ask for a call and we will come to you.
Head office
Mumbai
- 405, Mahalaxmi Centre, Opp. Bal Bharti School, S.V. Road, Kandivali West, Mumbai 400067
- Mon–Sat, office hours
Branch office
Ahmedabad
- A-425, Westbank, Opp. Vallabh Sadan, Ashram Road, Ahmedabad 380009
- Mon–Sat, office hours
How we work
Six steps from enquiry to disbursement
At every step you know what is happening, who is handling it and what you get at the end of it.
01
Profile assessment
We review your income, credit history, property and existing loans, and tell you honestly what is possible.
who
You + your advisor
You get
A clear view of what is possible
02
Lender matching
We shortlist the banks and NBFCs whose policies fit your profile, so you apply where approval is likely.
who
You + your advisor
You get
A clear view of what is possible
03
Documents and verification
We give you one checklist, collect the papers and check them before the lender sees your file.
who
You + your advisor
You get
A clear view of what is possible
04
File submission
We present your case to the chosen lender and handle their questions on your behalf.
who
You + your advisor
You get
A clear view of what is possible
05
Sanction and negotiation
We compare the sanction terms and negotiate rate, fees and conditions where possible.
who
You + your advisor
You get
A clear view of what is possible
06
Disbursement
We follow up on legal, valuation and agreement steps until the money reaches you.
who
You + your advisor
You get
A clear view of what is possible
What our clients say
Posted on Google![]()
Dev singhTrustindex verifies that the original source of the review is Google.
Smooth process along with correct guidancePosted on Google![]()
PRATIK SHAHTrustindex verifies that the original source of the review is Google.
Nihal Fintech helped alot throughout the process and provided complete support especially Rajesh More and Niral mehta. Really thanks for helping us throughout and help us to achieve our dream of having house in Mumbai.Posted on Google![]()
Harsshal GosaviTrustindex verifies that the original source of the review is Google.
Very professional and reliable finance consultant. Clear guidance, quick response, and transparent process. Highly recommended for loans and financial solutions.Posted on Google![]()
Vikas AmbadeTrustindex verifies that the original source of the review is Google.
All documentation work was completed on time; thanks for the team.
Is Nihal Fintech a bank or a lender?
No. Nihal Fintech is a loan advisor and distribution partner for banks and NBFCs. We help you choose a lender and prepare your application; the bank or NBFC makes the final decision and sanctions the loan.
Do I need a good CIBIL score to get a loan?
Even if your CIBIL score is less than ideal, our experts can guide you toward the best possible financing solution.
How long does the loan approval process take?
It depends on the loan type, the lender and how complete your documents are. With our paperless process, approvals are much faster than applying on your own.
I am self-employed. Will I face issues getting a loan?
We help present your financials and business vintage in the best possible light, and match you with lenders whose policies suit your profile.
Can NRIs apply for home or property loans in India?
Yes. We specialise in NRI financial services and manage the documentation locally.
Guides from our advisors
Plain-language answers to the questions that come up before every loan.
Quick Answer-: An emergency personal loan is an unsecured personal loan you use
Every owner reaches a point where the current setup feels too small. Orders
Most people buy their first insurance plan without really knowing what it covers.
Not sure which loan or lender is right for you?
Share a few details and an advisor will call you to check feasibility. Or call us on +91 77009 44833.