MSMEs & SMEs
Working & growth capital
Mumbai working-capital advisory ·
Business finance that moves at the speed of Mumbai.
When receivables slow down, your business should not. CreditCares structures cash credit limits, enhancements, renewals and takeovers around the way your stock, sales and banking actually work.
CC / ODWorking capital
SecuredBusiness loans
PropertyCommercial finance
HealthcareSpecialist funding
Institutional experience, owner-level attention
Serious finance for
Serious finance for
businesses in motion
From our Mumbai head office and Kolkata branch, CreditCares helps MSMEs structure cash credit and large-ticket business finance across India. We prepare lender-ready files around turnover, stock, receivables, collateral and account conduct.
ProfileEligibility mapping
FilesDocument preparation
LendersQuery coordination
TermsClear final comparison
Who we fund
Built for operators,
Built for operators,
not application numbers
We specialise in mid-to-large business credit — not retail personal loans. If your business needs working or growth capital, you're in the right place.
Manufacturers
Machinery & expansion
Developers
Project & construction
Contractors
BG, LC & trade finance
Promoters
Structured & bridge funding
Free tools
Know the numbers
Know the numbers
before the bank does
Run the numbers yourself, then talk to an expert who'll find you the sharpest rate across the panel.
Business Loan EMI Calculator
Indicative only — final rate depends on the lender & your profile.
Interactive EMI Calculator — estimate your monthly payments instantly. Drag the sliders below.
₹0Monthly EMI
₹0Total Interest
₹0Total Payable
Eligibility Checker →
Answer 3 quick questions and see which loan fits — in 30 seconds.
CIBIL Score & Improvement →
Understand what lenders see — and clean up your score before applying.
Become a Connector / DSA →
Earn payouts on every disbursal. Join our partner network across Mumbai, Maharashtra, West Bengal and India.
What to expect
A clear application process without approval promises
CreditCares reviews the requirement, helps organize documents and coordinates lender queries. The lender independently decides eligibility, pricing, security and sanction.
01
Document-gap review
Identify missing financial, banking, GST, collateral or compliance records before submission.
02
Suitable facility mapping
Compare cash credit, overdraft, term loan or secured finance based on the actual use of funds.
03
Transparent lender terms
Review the sanction conditions, charges and security requirements before accepting an offer.
Before you apply
Clear answers. No fine-print theatre.
Everything you need to know about securing finance with CreditCares.
There is no universal minimum CIBIL score for every business loan. The lender considers the facility, borrower profile, repayment record, financials, banking conduct and security together.
Timelines vary by lender, product, document completeness, valuation, legal checks and sanction conditions. CreditCares coordinates the process but does not promise a fixed approval or disbursal date.
No, CreditCares does not charge any upfront advisory fees. We map your profile to the right lenders, prepare a bank-ready file, and coordinate until disbursal at absolutely no upfront cost to you.
Lender options depend on the applicant's profile, facility, location, security and documentation. We compare suitable regulated lenders without promising a particular rate or approval.
Depending on the product and lender policy, security may include eligible residential, commercial or industrial property and, for some facilities, financed business assets. The lender confirms final acceptability and valuation.