New Delhi Ghaziabad Kanpur
Board 011-40396140 Mobile +91 98110 52842 Mobile +91 85128 52842 Email info@vapmoney.com
VAP Management Consultants Pvt Ltd
VAP Money prepares personal, professional, and business loan files and coordinates them with banks and NBFCs. Sanction remains with the lender.
Products
Each facility is matched to lenders that fund that purpose. Interest, fees, amount, and tenure are set by the bank or NBFC after they assess the profile.
Unsecured funds for a wedding, medical bill, travel, home repair, or clearing costlier dues.
Suited to. Salaried and self-employed individuals with a steady income.
Typical use. Personal expenses that should not wait on a long secured process.
How we help. We match the purpose and income papers with lenders that offer personal loans, and stay with the file through their checklist.
Growth capital for proprietors, partnerships, and companies — inventory, a new market, or a second unit.
Suited to. MSMEs and owner-led firms that can show turnover and banking.
Typical use. Expansion, stock, fit-out, or a planned business expense.
How we help. We help you present the business cleanly so a lender can assess an unsecured or structured business facility.
Structured finance for doctors, chartered accountants, architects, and other self-employed professionals.
Suited to. Practising professionals whose income sits outside a standard salary slip.
Typical use. Clinic or office set-up, practice expansion, or working tools of the profession.
How we help. We route the file to lenders that underwrite professional income, with the degree and practice proof they expect.
Short-term finance for wages, suppliers, rent, and the gap between an invoice and the payment.
Suited to. Businesses with regular operations and a temporary cash gap.
Typical use. Day-to-day costs, vendor payments, and stocking for a season.
How we help. We line up a facility aimed at operations, and help you gather bank statements and GST papers lenders usually ask for.
Term finance to buy, replace, or upgrade plant and equipment the business runs on.
Suited to. Manufacturers, workshops, and service firms investing in equipment.
Typical use. A new machine, a capacity upgrade, or replacement of old plant.
How we help. We include the quotation and business papers so the lender can consider the asset along with your cash flow.
Liquidity against gold jewellery you already own. The ornament is pledged for the tenor of the loan.
Suited to. Borrowers who can offer gold as security and want a shorter process.
Typical use. An immediate requirement where the metal can stand as collateral.
How we help. We guide you to lenders that value gold, and explain purity, valuation, and release of the ornament in plain language.
Finance to buy, construct, or improve a house, or to transfer an existing home loan.
Suited to. Families buying or building a home, including balance-transfer cases.
Typical use. Purchase, construction, extension, or a shift to another lender.
How we help. We coordinate property papers, income, and the lender’s legal and technical checks.
Finance for a new or used car, with the vehicle held as security until the loan is closed.
Suited to. Buyers with a quotation and income that can support the EMI.
Typical use. A new car from a dealer, or a used car the lender will value.
How we help. We line up the invoice, income, and down-payment papers for lenders that fund vehicles.
A larger secured facility against residential or commercial property that stays in your name.
Suited to. Owners who need more than an unsecured loan and can offer property.
Typical use. Business funding, a family commitment, or consolidating borrowing.
How we help. We prepare the property set — title, chain, and income — for lenders that sanction loans against property.
Tuition, living costs, and related expenses for higher studies in India or abroad.
Suited to. Students with a confirmed admission, usually with a co-applicant.
Typical use. Fees, hostel or rent, and study-related costs in the admission letter.
How we help. We assemble admission, academic, and co-applicant income papers for an education-loan file.
Credit score
A lender reads your credit history before it reads the rest of the file. Check the score on CIBIL’s free score page.
Check your CIBIL scoreThe number on this card is an illustration. VAP Money does not issue the bureau score. The official report is pulled by the lending bank or NBFC when it assesses a file.
Process
One desk prepares the requirement. The bank or NBFC assesses it, and disburses only if it sanctions the loan.
Purpose, city, and a comfortable range. One brief covers every product.
Income, existing obligations, credit history, and any security such as property or gold.
We place the file with banks and NBFCs that fund that product.
KYC, income, banking, admission, or property papers, checked against the lender’s list.
The lender verifies the file and, if it qualifies, credits the sanctioned amount.
Experience
VAP Money works in lending with a professional team that has spent more than twelve years in this market. The company was incorporated in 2017. The people, the files, and the turnover are in credit.
The team has arranged credit with banks and NBFCs for more than twelve years, across personal, business, and property files.
Directors, chartered accountants, advocates, and a business head stay on the file. The work is handled in the firm, not passed to a distant desk.
The practice places a strong volume of facilities each year. Sanction, rate, and the amount still belong to the lender that assesses the file.
About us
Incorporated in 2017, the company connects corporates, mid-sized firms, small businesses, and lenders across India. The practice covers business loans, home loans, lines of credit, equipment finance, loans against property, working capital, and project finance.
VAP Money carries that work to individuals and growing firms. The same team stays with the file until the lender decides.
Lenders
Banks and NBFCs the desk places files with. Sanction, rate, and the amount stay with the lender.
