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.
Every business reaches a tipping point where capital becomes the constraint to growth. Vardhman Finance removes this bottleneck. Our Unsecured Business Loans are designed for Indian SMEs and MSMEs that have the vision but need the fuel.
Whether you are a manufacturer needing raw materials, a retailer preparing for the festive season, or a service provider expanding your team, our loan products adapt to your cash flow. We assess your business banking and turnover, not just your assets.
Designed for the speed of modern business.
No need to mortgage your office or home. Your business performance is the only security we need.
Our automated underwriting engine approves loans based on banking analysis within hours.
Process driven by GST returns and Bank Statements. No heavy project reports required.
Eligible for a top-up loan after 6 months of timely repayment to support further growth.
Minimum 3 years of business continuity.
Minimum annual turnover of ₹40 Lakhs.
Business should be profit-making for the last 2 years.
Promoter/Applicant age between 24 and 65 years.
Fair pricing for risk-free capital.
From login to account credit in 48 hours.
Apply online with basic business details.
Upload 12 months bank statement & KYC.
Banking analysis and FI (Field Investigation).
e-Sign agreement and receive funds.
We support the backbone of the Indian economy. Our relationship-based lending means we stand by you in tough times, offering restructuring or top-ups when needed.
Special schemes for Retailers, Manufacturers, and Traders.
100% digital journey from application to disbursement.
Take your business to the next level with Vardhman Finance.
Apply for Business Loan