Working capital, equipment purchase, business expansion — without a bank appointment, a CA letter, or a 6-week wait.
Loan Details
No CA-certified balance sheet required for loans up to ₹10L.
GST filing history
Consistency and scale of your GST returns — a reliable indicator of business activity and revenue.
Bank statement cash flows
Pulled via the Account Aggregator framework with your consent. No PDF upload required.
Business vintage
How long your business has been registered and operating.
Bureau score
Your personal CIBIL or Experian score — one input among several, not a standalone gate.
Credit decision in hours, not weeks. No back-and-forth waiting for processing.
Entire process online — application, KYC, document consent, e-sign, disbursal.
Bank statements via AA, KYC via DigiLocker. Nothing to scan, stamp, or courier.
KrimKar's Rate Index tracks your repayment behaviour. Every on-time EMI moves you up — BRONZE → SILVER → GOLD → PLATINUM — and drops your rate on the next loan by up to 4.5%.
See how rates are calculated →Business loans are originated and disbursed by RBI-registered NBFC lending partner(s). KrimKar Financial Services Pvt Ltd acts as a Loan Service Provider (LSP) and does not itself lend. All credit decisions are made by the NBFC lending partner. Rates and terms are indicative and subject to change.
Check your business loan rate — soft pull, no CIBIL impact.
Check My Business Loan Rate →More loan products