The business is the borrower
The application is in the name of the proprietor, partnership, or company. Promoter KYC sits alongside the firm’s own papers.
Home Business Loan
Growth capital, placed with the right lender.
Funds for proprietors, partnerships, and companies — inventory, a new market, or a second unit. VAP Money prepares the file and coordinates it with banks and NBFCs.
Overview
A business loan, matched to the firm.
Owner-led firms and MSMEs use a business loan when the spend belongs to the business and the lender needs turnover, banking, and promoter papers, not a personal-expense story. Common uses include stock, a fit-out, expansion, or a planned business cost.
The purpose stays with the firm
Stock, a new counter, a second unit, or a planned operating cost. The lender reads the use against the business, not a household bill.
The decision stays with the lender
Amount, interest, fees, and tenure are quoted by the bank or NBFC after they assess the file. VAP Money coordinates that application.
Features and benefits
What the arrangement is meant to do.
One file, several lenders
The same turnover and banking set can be discussed with more than one bank or NBFC, so the firm is not locked to the first desk that sees it.
Papers before the application
GST, financials, bank statements, and promoter KYC are lined up before the file goes in, instead of arriving in a second round of queries.
A person on the file
The VAP team stays with the application through the lender’s verification, until that lender sanctions or declines.
Repayment on the lender’s terms
EMI, foreclosure, and part-payment follow the sanction letter. We do not quote a rate until a lender has assessed the profile.
Eligibility and documents
What lenders usually ask to see.
These are the checks banks and NBFCs commonly apply to a business facility. The final criteria, including vintage, turnover, and credit, are theirs.
Eligibility
- A running proprietorship, partnership, or company.
- Turnover and banking the lender can verify.
- A period of operations that meets that lender’s minimum.
- Promoter and firm credit history the lender is willing to fund.
Documents
- KYC of the promoters, and of the firm where it is a separate entity.
- Business proof, such as GST registration, Udyam, or the partnership deed, as the lender asks.
- ITRs, financials, and GST returns for the period the lender specifies.
- Bank statements of the firm, and of the promoters if the lender asks for both.
How to apply
Three steps from enquiry to the lender’s desk.
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01
Requirement
Share your name, mobile number, and what the loan is for. Use the form on this page.
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02
Papers
We tell you which KYC, income, and banking documents the matched lenders expect.
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03
Decision
The bank or NBFC verifies the file and decides sanction, rate, fees, and when funds are released.
Enquiry now
Tell us the business loan you need.
Submit the form and the enquiry is emailed to info@vapmoney.com. You can also call +91 98110 52842 or write to info@vapmoney.com.