Loan products · Home Loan · LAP · MSME

Three products.
One relationship.

A rationalised core lender panel, drawn from a wider network of 40+ banks and NBFCs. Every file is scored on borrower fit — approval probability, indicative rate, sanction TAT, KFS terms — before we recommend a lender.

Products
3
Home Loan · LAP · MSME
Lender network
40+
Banks and NBFCs reachable
Loan Offer TAT
48 hrs
From complete file
Offer Honour Rate
85%
Q4 FY 2026–27 target
M
CP-03
Product · MSME

MSME Business Loans

Working capital, machinery finance, and secured business loans — structured around GST turnover, cash-flow cycles, and the paperwork rhythm of small operations.

Discuss a file →
Snapshot
11.00%+
Indicative rate p.a.
1–7y
Tenure range
₹20L – ₹5Cr
Typical ticket range
Who this fits
◆
Tier 1 · Growth-Stage Business
Chennai urban. KVB, Central Bank, ICICI. Unsecured working capital, machinery finance for growing businesses.
◆
Industrial · SIPCOT Manufacturer
Gummidipoondi / Sriperumbudur. KVB, Canara. Structured for small manufacturers with a real order book.
◆
Peri-urban · Informal Small Business
AP Chambers / rural agglomerations. Property-backed SME credit for businesses outside GST reach.
Lender partners for this product
Karur Vysya BankICICI BankCentral Bank of IndiaCanara BankSBIPrayaan CapitalAye FinanceLendingkart
LAP
CP-02
Product · LAP

Loan Against Property

Unlock capital from commercial or residential property you already own — for business expansion, consolidation, or working capital.

Discuss a file →
Snapshot
10.00%+
Indicative rate p.a.
up to 15y
Tenure range
₹15L – ₹2Cr
Typical ticket range
Who this fits
◆
Tier 1 · Property-Backed SME
Chennai. Tata Capital, Bajaj, IOB. Deploy dormant equity in commercial property to fund growth.
◆
Peri-urban · Asset-Rich Small Business
Andhra / Nellore. Repco, Muthoot. Property-backed SME credit for businesses that pre-date GST records.
◆
Balance transfer
Refinance existing LAP with lender partners for lower rates or better terms.
Lender partners for this product
Tata CapitalBajaj HousingIndian Overseas BankPiramal FinanceRepco Home FinanceMuthoot Finance
HL
CP-01
Product · Home Loan

Home Loans

From the salaried professional buying a first flat in Chennai to the peri-urban aspirant financing a first home in Nellore.

Discuss a file →
Snapshot
8.50%+
Indicative rate p.a.
up to 30y
Tenure range
₹8L – ₹3Cr
Typical ticket range
Who this fits
◆
Tier 1 · Salaried Professional
Chennai core. HDFC, ICICI, SBI, Bajaj — tickets ₹50L–₹3Cr, competitive rates.
◆
Tier 2 · Aspirant First Buyer
Nellore / North Chennai. Canara, Repco, HomeFirst — tickets ₹15–50L, first-time buyer support.
◆
Peri-urban · Informal Income
South Andhra cluster. Repco, Muthoot, HomeFirst — files that need judgment, not templates.
Lender partners for this product
HDFC BankICICI BankSBIIndian Overseas BankBajaj HousingCanara BankRepco Home FinanceHomeFirst FinancePiramal Finance
Process · Every file, every product

From enquiry to
disbursement.

Our published TATs from the FY 2026–27 operating plan. Every step is timestamped in Zoho CRM and reviewed weekly.

Step
Process
Target TAT
Owner & system
01
Lead first contact after enquiry
< 2 hours
Monica / on-duty RM · Zoho CRM
02
Document collection from customer
< 48 hours
Responsible RM · Zoho checklist
03
Lender matching & recommendation
< 24 hrs of docs
Matching Engine · Harish weekly review
04
Capitabel Loan Offer issued
< 48 hrs total
Harish · Offer Honour Rate tracked
05
File submission to lender
< 3 working days
Credit & Ops Exec
06
Sanction — lender TAT
5–10 working days
Devesh escalates if exceeded
07
Disbursement after sanction
< 7 working days
Devesh / Harish · Zoho log

Not sure which
product fits?

A 20-minute call tells you which of our three products fits your file — and roughly what rate you can expect, based on this quarter’s lender panel.

Book a consultation callWhatsApp us+91 99405 48583