What is the minimum CIBIL score required for a home loan in Mumbai?

Most banks require a minimum CIBIL score of 650-700 for home loans. However, CredFlow Advisory works with NBFCs like Bajaj Finserv and L&T Finance that accept scores as low as 600 with additional documentation and higher interest rates.

How fast can I get a working capital loan approved?

Through CredFlow Advisory, most working capital loans are approved within 24-48 hours. Collateral-free loans up to ₹50 lakhs are available for MSMEs with GST registration and 6 months of bank statements.

Can I get a loan if my bank application was rejected?

Yes. CredFlow Advisory's Rejection Recovery Engine systematically reworks rejected applications through 15+ alternative lenders including NBFCs and co-lending platforms. Different banks have different criteria — what one bank rejects, another often approves. Recovery rate: 20-30%.

What government loan schemes are available for businesses in Maharashtra?

Key schemes include MUDRA (up to ₹10 lakh, no collateral), PMEGP (up to ₹50 lakh with 15-35% subsidy), CGTMSE (collateral-free guarantee up to ₹5 crore), Stand-Up India (₹10L-1Cr for SC/ST/women), and Maharashtra state schemes like CMEGP.

How much commission do CA partners earn with CredFlow?

Chartered Accountants and Company Secretaries earn 20-30% commission share on every successful loan disbursement from their referral. No paperwork or follow-up required — CredFlow handles the entire process from documentation to disbursal.

What documents are needed for a working capital loan?

Typically: GST registration, Udyam/MSME certificate, 3 years ITR with computation, CA-certified balance sheet and P&L, 12 months bank statements, and PAN/Aadhaar of all directors or partners.

What is the interest rate for loan against property in Mumbai?

LAP rates in Mumbai start from 9.3% at SBI to 10.5% at NBFCs, depending on property type, location, CIBIL score, and income. CredFlow compares across 30+ lenders to find the best rate for your specific property and profile.

Does CredFlow charge any fees for loan consultation?

No. Initial consultation, eligibility assessment, and loan matching are completely free. CredFlow earns commission from the lending partner only upon successful disbursement. There are no hidden charges or upfront fees.

CredFlow Advisory — Working Capital Loans, Home Loans, LAP & IPO Consultancy in Mumbai, Maharashtra

CredFlow Advisory — Working Capital Loans, Home Loans, LAP & IPO Consultancy in Mumbai, MaharashtraCredFlow Advisory is Maharashtra's trusted lending and financial advisory firm. We offer working capital loans with same-day approval, home loans from 8.25% p.a., loan against property up to 70% LTV, IPO launch consultancy, and government scheme lending including MUDRA, PMEGP, and CGTMSE. With 30+ bank and NBFC partners, we match borrowers with the best rates and fastest approvals. Contact us: +91-8452098808 or info@credflowadvisory.com.Our Services

Working Capital Loans — Collateral-free up to ₹50 lakhs for MSMEs

Home Loans — From 8.25% p.a., up to 90% LTV, balance transfer options

Loan Against Property — Up to 70% LTV on residential and commercial property

IPO Launch Consultancy — DRHP, SEBI compliance, valuation, merchant banking

Government Scheme Lending — MUDRA, PMEGP, CGTMSE, Stand-Up India

Business & Personal Loans — Unsecured up to ₹75 lakhs

Rejection Recovery — Rework rejected applications through alternative lenders

Industry Lending DesksSpecialised lending for Diamond & Gems (BKC), Textile (Lower Parel), Pharma (Andheri), and IT/ITES (Powai) sectors in Mumbai.CA Partner ProgramChartered Accountants and Company Secretaries earn 20-30% commission share on successful loan disbursements. Free to join, real-time dashboard, co-branded materials.ContactPhone: +91-8452098808 | Email: info@credflowadvisory.com | Location: Mumbai, Maharashtra, India | Hours: Mon-Sat 9:30 AM - 7:00 PM IST