Need money to run or grow your business? We compare loans from top banks and finance companies for you. You apply once and see your options in one place. The lender gives the final approval.
LOAN AMOUNT
A few lakhs to several crores
The amount depends on your business and the lender.
INTEREST RATE
Based on your profile
Rates are lower for strong credit and established businesses.
TENURE
Flexible
The lender sets the repayment time.
PROCESSING FEE
Competitive
We tell you the fee before you apply.
OVERVIEW
A business loan gives you money to run and grow your business. Many Mumbai business owners use it for daily costs, stock, new machines or a bigger space.
Going from bank to bank takes time and a lot of paperwork. With Nihal Fintech, you apply once. We show you loan options side by side, so you can compare the interest rate, repayment time and what the lender asks for.
You can choose a loan with security, like property, or a loan without it. We look at your credit score and cash flow, and we send your file to the lenders most likely to say yes.
A business loan is right for you if
OUR MUMBAI OFFICE
Our Mumbai office
OUR MUMBAI OFFICE
OUR MUMBAI PARTNERS
These are some of the banks and finance companies we work with. Your file goes only to the ones that fit your business.
BENEFITS
We make the loan process simple and clear, from the first call to the money in your account.
Apply once and compare offers from top banks and finance companies in one place.
Our process is digital. You share fewer papers and wait less.
We help with eligibility, documents and the final payout.
Know someone who needs a business loan? Refer them to us and we will guide them.
ELIGIBILITY
Owners of a business with valid papers can apply. Rules change a little from lender to lender.
What do lenders check?
Lenders look at how steady your business is and how well you repay loans.
You own the business yourself. Lenders check your sales, bank statements and credit score. Each lender has its own rules. We match you with the right one.
Identity proof
PAN card and Aadhaar card
Business proof
GST, Udyam certificate or Shop Act
Bank statements
Last 6 to 12 months
Tax returns
Latest 2 to 3 years
You run the business with partners. Lenders check the firm’s sales and each partner’s details. Each lender has its own rules. We match you with the right one.
Identity proof
PAN and Aadhaar of all partners
Business proof
GST, Udyam certificate or Shop Act
Ownership proof
Partnership deed
Bank statements
Last 6 to 12 months
You run the business as a company. Lenders check the company’s sales and the directors’ details. Each lender has its own rules. We match you with the right one.
Identity proof
PAN and Aadhaar of directors
Business proof
GST, Udyam certificate or Shop Act
Ownership proof
MOA and AOA
Financials
Balance sheet and tax returns
Work out your EMI and get the exact list of papers lenders ask for.
For planning only. Your lender confirms the final EMI.
RATES, FEES AND CHARGES
Costs depend on the lender, the loan type and your profile. We explain every charge before you apply.
Item
Typical
Notes
Interest rate
Set by the lender
Usually lower for strong credit and older businesses
Processing fee
Set by the lender
We tell you the exact fee upfront
Security needed
Depends on loan type
Not needed for an unsecured loan
Early repayment
Set by the lender
Ask about any charge before you sign
Other charges
As per lender
We list all charges before you decide
BEFORE YOU APPLY
A few simple steps can help you get approved faster.
PAN, Aadhaar, GST, bank statements and tax returns.
A good credit score helps you get a better offer.
Match the loan type to what you need the money for.
A very high amount can lower your chances.
Keep records clean
File your tax returns and keep bank records steady.
Use the calculator before you apply.
RELATED LOANS
If this loan does not fit, see these options.
How we work
At every step you know what is happening, who is handling it and what you get at the end of it.
01
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
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
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
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
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
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
CASE STUDY
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
For eligible profiles, approvals can happen within 24–72 hours after document submission and verification.
Basic documents include PAN and Aadhaar, business registration proof, bank statements, ITRs, and financial statements.
Yes, startups with sufficient turnover, banking history, or alternative eligibility criteria may qualify for specific business loan options.
Interest rates vary based on the lender, loan type, and borrower profile. Rates are generally lower for strong credit profiles and established businesses.
Proprietors, partnerships, private limited companies, MSMEs, startups, and self-employed professionals with a valid business setup can apply.
Share a few details and an advisor will call you to check feasibility. Or call us on +91 77009 44833.
