Working capital, expansion, or equipment funding — we help MSMEs and business owners compare collateral-free and secured options across our 260+ lender network.
Rates, loan amount and tenure depend on the lender and your business profile — shared during your consultation.
Takes under a minute. No documents needed right now.
Including NBFCs specialising in business finance.
Guidance for Udyam-registered businesses.
We help you compare both routes.
New businesses and non-standard profiles welcomed.
If you need funds to manage cash flow, expand operations, buy equipment, or fund inventory, we help assess your business profile and match you with a suitable lender.
This is a general framework, not a guarantee of eligibility or approval.
Final checklist confirmed with you once a lender is shortlisted for your case.
Tell us about your business and funding need.
We review your business and financials.
We identify suitable collateral-free or secured options.
We support you through to funds in hand.
Compare collateral-free and secured options in one place.
We help you assemble GST, ITR and bank statement records.
One lender's 'no' isn't the end — see below.
On-ground understanding of MSME lending in Mumbai.
We compare suitable options for your case instead of relying on a single lender.
*260+ lender network is Rathi Finance's existing business claim. Actual lender availability for any specific case depends on product, borrower profile and geography.
Newer businesses, thin credit files, or a previous decline — we review business finance cases carefully across our lender network, including secured (LAP-backed) alternatives where relevant.
We review each case on its merits across our lender network — we do not guarantee approval, and no case is promised a 100% outcome.
Discuss a Challenge Case →It depends on your business profile, funding need and whether you have property to offer as security — we'll help you weigh both.
Eligibility for newer businesses varies by lender — our team will assess your specific situation.
Individual PAN/Aadhaar apply in both cases; company applicants also need business registration/GST and financial statements — we'll confirm the exact list.
We can explore other lenders in our network, including secured options like LAP — see our Challenge Case section above.
Are you a DSA / connector? Partner with us →
WhatsApp us — sahi guidance, bina kisi charge ke.
💬 WhatsApp Us Check Eligibility