Zero Upfront Fee Policy.
We facilitate loans through legitimate channels. We never ask for processing fees, insurance charges, or verification fees before sanction.
Protect yourself from imposters posing as agents. Verify all requests with our official desk.
Apply Fraud RecoverySoft inquiry only. No impact on score.
Structured funding from ₹25 lakh to ₹25 crore for MSMEs, manufacturers, traders and HNIs. Collateral-backed lending, bridge finance and top-up facilities curated to move fast without compromising on risk.
Share basics and unlock a two-minute eligibility summary with documentation list.
Senior credit desk returns your call in under 30 minutes during business hours.
Dial 011-6965-5534Download a ready pack for bank statements, collateral details and income proofs.
See DocumentsFunding from one person to another without any guarantee. Only on check and stamp basis without extensive verification. If you are unable to get a loan from a bank, apply for this exclusive private capital line.
Apply for Private FundingCorporate-grade underwriting for every need—business expansion, new cars, emergency medical spends or instant cash flow gaps.
Fast-track underwriting for salaried professionals and founders with eKYC, bureau-friendly pulls and same-day decisions.
Secured term loans and cash-flow backed top-ups for GST-registered SMEs, factories, exporters and traders.
Loan against property and fresh home loans with clean title diligence, ideal for promoters unlocking idle assets.
New car, premium EV or fleet loans for sales teams and logistics operators with structured EMI calendars.
Short-term revolving limits for inventory turns and payroll with UPI-ready disbursals into Indian current accounts.
Emergency cash lines for hospitalisation, education or critical events with part-release options and zero pre-closure penalties.
Leverage your investment portfolio (Shares, Mutual Funds) for liquidity without selling your long-term assets.
Exclusive unsecured loans for Doctors, CAs, and Architects to set up practice or expand operations.
Instant cash against gold ornaments with secure storage and flexible repayment options.
Funding for purchase of new or refurbished machinery to boost production capacity.
Pre and post-shipment credit to manage cash flow cycles for international trade businesses.
Debt financing for scalable startups and franchise acquisition costs without diluting equity early.
Capital Stewardship
Relationships Built
Managed & Deployed
Indicative Sanction
At Vardhman, we don't just look at credit scores; we look at the asset value and business potential. Our risk assessment models are built on 19 years of market data, allowing us to underwrite loans that traditional banks often overlook.
We believe in "Asset-First" underwriting. If your collateral is strong and your intent is clear, we find a way to fund you.
Whether you are consolidating debt, unlocking rental streams or funding a project milestone, pick a pathway and our desk will respond within hours.
Property-backed term loans with structured EMIs and part-prepayment privileges.
₹25L - ₹25CrMove existing loans to better pricing, top-up eligibility and lighter covenants.
Reduce ROIExtend limits against refreshed valuations or fresh collateral to keep growth funded.
48 Hr ReviewDiscount future rentals from offices, warehouses or retail to release working capital.
Anchor TenantsBridge finance for inventory, plant upgrades or EPC milestones with structured draws.
Drawdown ControlRun a soft CIBIL check and eligibility snapshot without impacting your credit score.
Soft Pull OnlyCombine multiple expensive loans into one lower-interest facility to ease cash flow.
Reduce EMIShort-term demand loans to meet immediate working capital gaps and inventory needs.
Flexible Repayment
Vardhman Finance is a privately-held lending and investment arm. We combine the agility of a family office with the governance of a regulated lender to deliver bespoke secured loans, structured debt and short-term bridge finance.
Our credit desk blends fast decision-making with on-ground diligence so you never lose momentum.
Share funding need, security offered and 12-month bank statements. A dedicated manager is assigned within hours.
Legal + technical checks run in parallel. Committee reviews happen within 48 hours for indicative sanction.
Receive term sheet, sign loan kit, register charge and drawdown in one seamless flow with milestone-linked tranches.
Quarterly portfolio reviews, top-up eligibility checks and renewal reminders keep you funded and compliant.
Curated lending stacks for businesses and individuals who need decisive capital without public bank delays.
Working capital against residential, commercial or industrial collateral with flexible repayment structures and part-prepayment options.
Monetise rental inflows from offices, warehouses or retail assets. Custom covenants for anchor tenants and escrow-based collections.
Short-tenure bridge funding for inventory purchase, project completion or invoice discounting with bullet or structured repayments.
Bespoke loans for promoters and HNIs against luxury residential assets, demat shares or managed portfolios with white-glove service.
Customized debt solutions for complex business needs, including acquisition financing and promoter funding.
Strategic capital for companies preparing for public listing, helping to optimize balance sheets before IPO.
We underwrite promoters, business owners and professionals with verifiable income and strong collateral.
Auto ancillaries, packaging, garments, electronics and commodity traders seeking inventory and LC backed lines.
Fleet expansion, yard development and rental-backed warehouses with marquee tenants.
Clinics, diagnostic chains, schools and colleges raising secured debt for capex or working capital.
Promoters looking for bridge finance against residential/commercial assets or portfolio leverage.
Deployed with clear utilisation tracking, milestone-based releases and transparent covenants.
Adjust ticket size, rate and tenure to understand monthly cash outflow before you proceed. Graphics update instantly.
Graphs update with each calculation to mirror your repayment mix.
Promoters and professionals who chose private capital for speed.
"We needed ₹8 crore in ten days to complete a warehousing parcel. Vardhman created a bridge + LRD structure and disbursed ahead of schedule."
"Their credit team actually visited our plant, understood the cashflows and tailored repayments to seasonality. No runaround, just clear execution."
"The private client desk allowed us to unlock value from our residence without selling equity in the family business. Discreet and professional."
Submit clear scans to accelerate underwriting. We co-ordinate with your teams to keep the process frictionless.
KYC of promoters and directors, shareholding pattern, firm constitution documents and GST registrations.
Last 3 years audited financials, current year provisional P&L, 12-month bank statements and GST returns.
Title documents, chain deeds, approved plans, tax receipts and rental agreements (where applicable).
Order book, invoices, ageing statements and key contracts to validate revenue visibility and margins.
Download the Vardhman Finance app to track your loan status, download repayment schedules, and apply for top-ups instantly.
Tell us what you are building. We will design a funding path that respects your time and privacy.
Noida, NCR, India
On-site diligence and pan-India disbursals.