Services Offered

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Business Loans

Unsecured Business Loans: Available for amounts ranging from 10 lakh to 5 crores, these loans do not require collateral and are designed to meet the operational and expansion needs of businesses
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Loan Against Property

Businesses can leverage their property to secure loans at lower interest rates and more favorable terms. This product is ideal for substantial funding requirements with flexible repayment options.
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Leased Rental Discounting

This service allows businesses to obtain loans against rental receipts from leased properties, providing liquidity based on future rental income.
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MSME Loans

Tailored for micro, small, and medium enterprises, MSME loans support business growth, equipment purchase, working capital, and expansion plans.
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Overdraft Facility

An overdraft facility offers businesses the flexibility to withdraw funds as needed up to a predetermined limit, aiding in effective cash flow management.
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Cash Credit Facility

This facility provides working capital financing against the hypothecation of stock and receivables, ensuring that businesses have the necessary funds for day-to-day operations.
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Bill Discounting

We facilitate the conversion of invoices into immediate cash, providing businesses with liquidity before the payment due date of the invoices.
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CGTMSE loan

CGTMSE loans are backed by the Credit Guarantee Fund Trust for Micro and Small Enterprises, offering collateral-free financing to micro and small businesses for growth and expansion.
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Packaging Credit Facility

Designed for exporters, this pre-shipment finance helps cover the costs related to the purchase, processing, manufacturing, or packing of goods meant for export.
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Used Car loan

Used car loans provide financing for the purchase of pre-owned vehicles, allowing businesses to acquire reliable transportation or delivery vehicles at manageable repayment terms.
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50+ Banks and NBFC's

Frequently asked questions

  • What is Paisahaat Incorporation?
    Paisahaat Incorporation is a leading financial consultancy firm in India. We help businesses acquire loans by acting as a bridge between them and financial institutions like banks and NBFCs.
  • What services do you offer?
    We offer a comprehensive range of loan products and services to cater to diverse business needs. These include unsecured business loans, loan against property, leased rental discounting, MSME loans, overdraft facilities, cash credit facilities, bill discounting, and packaging credit facilities.
  • How long does the loan approval process take?
    The approval timeframe can vary depending on the loan type, lender, and completeness of your application. We strive to expedite the process and keep you informed throughout.
  • What are the interest rates for your loans?
    Interest rates depend on various factors, including the loan product, loan amount, borrower's profile, and creditworthiness. We work with lenders to secure the most competitive rates for your business.
  • Do you charge any fees for your services?
    Our fees vary depending on the complexity of your case and the loan amount. We will discuss our fees transparently during the initial consultation.
  • Still have questions?
    Contact Paisahaat Incorporation today! We're happy to answer any further questions you may have and help you find the perfect loan solution for your business.
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Unlock Growth Without Collateral

Business Loans

Our Unsecured Business Loans are crafted to support your business’s operational and expansion needs without the requirement of collateral. Whether you need funds for a new project, equipment purchase, or working capital, we provide flexible loan amounts ranging from ₹10 lakh to ₹5 crores. Enjoy the convenience of quick disbursements and competitive interest rates, designed to fuel your business’s growth without putting your assets on the line.

Key Features

  • ● Loan Amount
  • ● ₹10 lakh to ₹5 crores
  • ● No collateral required
  • ● Flexible repayment terms
  • ● Fast approval & disbursement

Leverage Your Assets for Substantial Funding

Loan Against Property

Transform the value of your property into a powerful financial resource with our Loan Against Property service. Ideal for businesses requiring significant funding, this option allows you to secure loans using your property as collateral. Benefit from lower interest rates, flexible repayment options, and substantial loan amounts to meet your financial requirements.

Key Features

  • ● Leverage property value for financing
  • ● Lower interest rates
  • ● Flexible repayment options
  • ● Suitable for substantial funding needs

Turn Rental Income into Immediate Liquidity

Leased Rental Discounting

Our Leased Rental Discounting service enables you to obtain loans based on future rental receipts from leased properties. This innovative solution provides businesses with immediate liquidity, using rental income as a basis for funding. Ideal for businesses with stable rental income, this facility ensures you have the cash flow needed to meet operational demands or seize growth opportunities.

Key Features

  • ● Loans against future rental receipts
  • ● Quick access to liquidity
  • ● Ideal for businesses with leased properties
  • ● Flexible terms based on rental income

Empowering Micro, Small, and Medium Enterprises

MSME Loans

Designed specifically for micro, small, and medium enterprises (MSMEs), our MSME Loans support various business needs, including growth initiatives, equipment purchases, working capital, and expansion plans. These loans are tailored to the unique challenges and opportunities faced by MSMEs, providing financial solutions that drive business success.

Key Features

  • ● Tailored for MSMEs
  • ● Support for growth, equipment, and working capital
  • ● Competitive interest rates
  • ● Flexible loan terms

Flexible Access to Funds

Overdraft Facility

Our Overdraft Facility offers businesses the flexibility to withdraw funds as needed, up to a predetermined limit. This facility is ideal for managing cash flow effectively, allowing you to access working capital without the need for a fixed repayment schedule. It’s a valuable tool for businesses requiring ongoing liquidity to handle day-to-day operations.

Key Features

  • ● Flexible withdrawal limits
  • ● Interest only on utilized amount
  • ● Effective cash flow management
  • ● No fixed repayment schedule

Streamline Your Working Capital

Cash Credit Facility

The Cash Credit Facility provides working capital financing against the hypothecation of stock and receivables. This facility ensures that your business has the necessary funds to manage daily operations, covering expenses and maintaining smooth financial operations. It’s an essential service for businesses looking to optimize their working capital management.

Key Features

  • ● Financing against stock and receivables
  • ● Supports day-to-day operations
  • ● Flexible limits based on business needs
  • ● Efficient working capital management

Convert Invoices into Immediate Cash

Bill Discounting

Our Bill Discounting service enables businesses to convert their invoices into immediate cash, providing liquidity before the invoice payment due date. This facility is perfect for businesses that need quick access to funds to maintain operations or take advantage of new opportunities, while managing the delay in receivables.

Key Features

  • ● Immediate cash against invoices
  • ● Quick access to funds
  • ● Ideal for managing delays in receivables
  • ● Flexible terms based on invoice value

Collateral-Free Financing for MSE

CGTMSE loan

The CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises) loan scheme is designed to support micro and small businesses by providing collateral-free financing. Under this scheme, businesses can obtain loans for various purposes, including working capital, equipment purchase, and expansion, without the need for traditional collateral. The loans are backed by a guarantee from CGTMSE, which mitigates the lender’s risk and makes it easier for small enterprises to secure funding. This facility promotes entrepreneurship and helps businesses overcome financial barriers to growth.

Key Features

  • ● Collateral-Free
  • ● Flexible Usage
  • ● Encourages Growth
  • ● Risk Mitigation
  • ● Easy Access

Finance Your Export Operations

Packaging Credit Facility

Designed for exporters, our Packaging Credit Facility offers pre-shipment finance to cover costs related to the purchase, processing, manufacturing, or packing of goods meant for export. This facility ensures that you have the necessary funds to prepare your goods for export, supporting smooth and efficient export operations.

Key Features

  • ● Pre-shipment finance for exporters
  • ● Covers purchase, processing, and packing costs
  • ● Supports smooth export operations
  • ● Flexible financing terms

Financing Solutions for Pre-Owned Vehicle Acquisition

Used Car loan

Used car loans are designed to assist businesses in acquiring pre-owned vehicles by offering financing options with flexible terms and competitive interest rates. This service is ideal for businesses looking to purchase second-hand cars for operational needs, such as transportation or delivery. The loan amount can be tailored to cover the purchase price of the vehicle, and repayment options are structured to fit the business’s cash flow. By opting for a used car loan, businesses can benefit from cost-effective vehicle acquisition while managing their budget more effectively.

Key Features

  • ● Flexible Financing
  • ● Competitive Rates
  • ● Customizable Terms
  • ● Quick Approval
  • ● Cost-Effective