Frequently asked questions
My CIBIL score is below 700. Can I still get a loan?
Yes, it’s possible. While a strong score helps, many NBFCs and fintech lenders now focus more on your monthly sales, bank statement health, and cash flow. We’ve helped clients with 600–650 CIBIL scores get funded by positioning their business profile correctly.
I got rejected by a bank earlier. Will that affect this application?
Not necessarily. Each lender has different parameters. Rejections often happen because of mismatched documentation or applying to the wrong type of lender. We’ll analyze what went wrong and match you with lenders better suited to your business profile.
What documents do I really need for a working capital loan?
Here’s the basics checklist:
✅ Last 12 months’ bank statements
✅ GST returns or sales data + Income Tax return
✅ PAN + Aadhaar + Business proof
✅ Past loan statement (if any)
More documents may be asked based on the lender — but we help prep everything in advance so you avoid delays.
How long does the loan process take?
Once documents are ready, NBFC loans can be disbursed within 2–3 working days. Some fintech lenders are even faster. The key is having clean data and responding quickly — we manage all that for you.
What’s the interest rate and processing fee?
Rates typically range from 13% to 22% p.a., depending on your profile and loan type.
Processing fees are usually 1%–2% of the sanctioned amount.
We always share clear options and never push loans with hidden terms.
I’m a sole proprietor. Can I apply?
Yes! Whether you’re a sole prop, partnership, LLP or private limited — all can apply.
The key is showing consistent business income and bank flow.
Can I prepay the loan early?
Yes, most lenders allow it — though some may have a pre-closure charge if closed within 6–12 months. We’ll check this upfront and guide you to lenders with flexible terms if that’s a priority for you.
Will this loan affect my personal credit score?
Only if you’re signing as a co-applicant or guarantor personally. Otherwise, the business is the borrower. We help you structure it smartly.
How much loan can I get based on ₹X monthly sales?
As a rough guide, lenders offer up to 1.5x–2x of your average monthly sales.
E.g., ₹10L/month sales = up to ₹15–20L loan eligibility.
But this varies — our eligibility calculator gives you a clearer idea in 1 minute.
Why should I go through Capital Fin and not directly to a bank or app?
Great question. Banks and apps show one offer. We compare 10+ lenders and loan types to find what suits your situation — and help you avoid common rejection traps.
We’re not just matchmakers — we’re consultants.
