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.
Secure, confidential, and rapid liquidity solutions for businesses and individuals.
Funds disbursed within 24-48 hours.
In business, speed is currency. Traditional banks are designed for stability, not agility. When a supplier offers a cash discount, or a bridge is needed between receivables, waiting 15 days for a bank loan is an opportunity lost.
Our Private Funding Program is designed to fill this void. We operate on a "Character & Capacity" underwriting model rather than a purely paper-based one.
₹5 Lakhs to ₹5 Crores
Flexible (Daily/Weekly/Monthly)
Competitive Flat Rates
Our private capital is industry-agnostic, serving a wide range of immediate financial needs.
For working capital gaps, stock procurement, or vendor payments that cannot wait for bank processing.
Last-mile funding for construction completion or bridge finance against property approval.
Chartered Accountants, Doctors, and Lawyers needing practice expansion or equipment finance.
Bridging the gap between seed rounds or funding immediate operational runways without equity dilution.
Immediate liquidity to release shipments or clear customs duties to avoid demurrage charges.
Medical emergencies, foreclosure prevention, or immediate family settlements.
Understand the trade-offs to make the right financial decision.
| Parameter | Vardhman Private Funding | Traditional Banks |
|---|---|---|
| Approval Time | 24 - 48 Hours | 15 - 45 Days |
| CIBIL Requirement | Flexible (Case Based) | Strict (>750 Mandatory) |
| Documentation | Minimal (KYC + Banking) | Extensive (ITR, Audit, Proj. Report) |
| Collateral | Not Mandatory (Unsecured Options) | Mandatory (>100% Coverage) |
| Privacy | Confidential (Direct Lender) | Reported to Bureaus |
We look beyond the papers. We fund the person and the potential.
Traditional banks rely heavily on past performance (ITR, Balance Sheets). We focus on current cash flow and repayment intent. If your business is generating cash today, you are eligible, regardless of what happened two years ago.
Simple, transparent, and designed for speed.
Fill the digital form. Our credit officer calls you within 30 mins to understand the requirement.
Upload basic docs (PAN, Aadhaar, Bank Statement) securely via our portal or WhatsApp.
A swift verification visit to your business or residence for physical verification (CPV).
Agreement signing (Check & Stamp) followed by immediate RTGS transfer.
Automated NACH setup or PDC collection for hassle-free daily/weekly repayments.
Upon full repayment, receive your No Objection Certificate (NOC) instantly.
We are not aggregators. We are direct lenders.
No middlemen commissions. You deal directly with the source of funds.
Our entire system is optimized for speed, recognizing that opportunity cost is real.
Customized repayment schedules (Daily/Weekly) to match your cash flow cycle.
Your data is never shared with third parties or marketing agencies.
Real businesses we funded this week.
Since these are unsecured, short-term risky loans, interest rates are higher than banks, typically ranging from 2% to 3% per month depending on the profile and tenure. However, we offer reducing balance options.
Absolutely NOT. Vardhman Finance has a strict "No Upfront Fee" policy. Any processing charges are deducted from the loan amount during disbursal only.
For Delhi NCR cases, we can disburse within 24 hours. For outstation cases, it may take 48-72 hours subject to physical verification.
Yes, we do not have a lock-in period. You can close the loan anytime by paying the principal and interest accrued till date. Foreclosure charges may apply as per agreement.