Strategic Debt Solutions
Optimize your working capital, secure competitive business loans, and restructure existing debt to ensure capital resilience.
Who We Serve
Targeted credit facilities for your operational needs.
Enterprises (SME & Corporate)
Working capital limits (CC/OD), Bank Guarantees (BG), Letters of Credit (LC), and unsecured business loans for expansion.
Self-Employed Professionals
Specialized practice loans for doctors, CAs, and architects with minimal documentation and customized repayment structuring.
Salaried Individuals
High-ticket personal loans, home loans, and Loan Against Property (LAP) with competitive interest rates from top-tier partner banks.
Our Process
A transparent path from application to disbursement.
Eligibility Check
Initial screening based on financials and CIBIL score.
Documentation
Collection of ITRs, bank statements, and KYC proofs.
Underwriting
Bank evaluation and sanctioning (typically 3-7 days).
Disbursement
Final agreement signing and fund transfer.
Reducing Interest Burden for Manufacturers
Many SMEs rely on high-interest unsecured loans or exhausted overdrafts to maintain inventory, severely compressing their net profit margins.
The Niyati Solution:
By auditing their balance sheet and existing assets, we facilitated a secured Cash Credit (CC) limit with a top-tier partner bank. This restructuring immediately injected liquidity and lowered their blended annualized interest cost by over 4.5%.
Frequently Asked Questions
What is the turnaround time for a Business Loan?
For unsecured business loans, approval can happen within 3-5 working days. Secured CC/OD limits or LAP typically take 7-14 days depending on property valuation and legal checks.
Do you charge upfront processing fees?
Niyati Financial Solutions acts as a Direct Sales Agent (DSA) and does not charge any upfront fees from clients. Applicable processing fees are levied directly by the lending bank.
Can a low CIBIL score be approved?
While a score of 720+ is ideal, we work with specialized NBFCs that consider cash flow and business vintage as primary metrics, offering solutions even for slightly impaired credit histories.
Sanction Checklist
CIBIL Requirements
Ideal: 720+. Cashe-flow based funding available for scores between 650-700.
Mandatory Documents
3 Years ITR, 12 Months Bank Statement, KYC of Partners/Directors, and Property Docs (for LAP).
Approval Speed
Unsecured: 3-5 Working Days. Secured/Working Capital: 10-15 Working Days.
Credit Optimization Steps
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Interest Rate Arbitrage We identify opportunities to switch high-cost debt to lower-cost secured limits.
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Collateral Engineering Maximizing LTV (Loan to Value) by presenting property valuations effectively to banks.
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Financial Grooming Pre-submission audit of your balance sheet to improve debt-service coverage ratios.
Check Your Eligibility
Connect with our debt syndication team.