New Cash Credit Limit
Turnover-based and MPBF assessment for businesses seeking a first structured working-capital line.
Build your CC proposal →
Mumbai working-capital advisory · Since 2012
Working capital 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.
₹2,000Cr+Total disbursed
80+Lender partners
₹1–100CrTicket size
13 yrsTrack record
Get a bank-ready CC assessment
Confidential review · No upfront advisory fee
PSU BanksPrivate BanksNBFCsHousing FinanceSmall Finance BanksCo-op Banks80+ Banking & NBFC Partners
Mumbai working-capital expertise, built around your cash cycle.
Head office in Mumbai. Branch office in Kolkata. Lender coordination across India.
BKCAndheriLower ParelPowaiNavi MumbaiThaneVasai-VirarPanvel
The working-capital desk
A stronger credit file.
A stronger credit file.
A better banking conversation.
A weak proposal leaves stock unfunded and receivables stranded. We calculate the need, repair the file and place it with lenders suited to your industry and account conduct.
Limit Enhancement & Renewal
Rework stock, debtor ageing, projected turnover and account conduct before the annual bank review.
Review your current limit →CC Takeover & Restructuring
Compare pricing, collateral, drawing-power rules and service quality before moving the operating account.
Compare takeover options →
Our mandate
From raw financials to
From raw financials to
a credit-ready proposal
One team handles eligibility, paperwork and the entire lender relationship — you make one set of calls, not eighty.
01
Eligibility match
We map your profile, turnover and security to the lenders most likely to say yes.
02
Documentation done right
A bank-ready file — financials and projections prepared the way credit teams want them.
03
Lender coordination
We negotiate across the 80+ panel, push the file and keep approvals moving.
04
Sanction & disbursal
Terms finalised, sanction issued, funds disbursed — tracked to the finish.
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.
₹2,000Cr+Loans facilitated
80+Bank & NBFC partners
13 yrsIn business since 2012
4.9★Google-rated service
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.
MSMEs & SMEs
Working & growth capital
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.
Google reviews
Borrower perspectives
4.9
★★★★★
★★★★★"Highly recommended for business loans. Their team is extremely professional and got our MSME loan sanctioned much faster than going to the bank directly."
— Rajesh K. (Manufacturing)
★★★★★"CreditCares helped us secure funding for our new diagnostic center equipment with excellent terms. They handled all the documentation smoothly."
— Dr. Sen (Healthcare)
★★★★★"A highly professional team for large-ticket secured and working-capital finance. They helped us restructure our LAP at a much lower interest rate across their panel."
— Amit M. (Real Estate)
★★★★★"Their CIBIL advisory was exactly what we needed. Fixed a minor error on our report and got our CC limit enhanced in 14 days."
— Swati D. (Wholesale Trader)
Before you apply
Clear answers. No fine-print theatre.
Everything you need to know about securing finance with CreditCares.
Generally, a CIBIL score of 650 and above is preferred by most banks and NBFCs for unsecured business loans. However, if you are applying for a secured loan (like a Loan Against Property), some lenders may be flexible with a slightly lower score depending on the collateral value.
With CreditCares, unsecured business loans and professional loans (like Doctor Loans) can be disbursed in as little as 3 to 7 working days. Secured loans involving property valuation and legal checks typically take 10 to 15 working days.
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.
We have an extensive network of over 80+ top-tier lending partners across India, including leading private banks, nationalized banks, and premier Non-Banking Financial Companies (NBFCs), ensuring you get the best possible interest rates.
Our partner lenders accept a wide variety of collateral, including residential properties, commercial offices, retail shops, industrial land, and even specialized assets like medical equipment or heavy machinery.