REJECTION REASONS
3 fixableWhy banks said no - and what to fix
- Axis BankOutside lending area · try Tata Capital
- State Bank of IndiaBusiness under 3 years · try Yes Bank
- Kotak Mahindra BankGST filings incomplete · file last 12 months
- Tata CapitalStill open · equipment finance
Illustrative. Real reasons depend on your file.
BUILT FOR REAL BUSINESSES
From shop floor to shortlist.
ELIGIBILITY + SCORE
One form. Range, score fixes, and which banks open.
YOUR PROFILE
0/8GST-registered?
Annual turnover?
What do you need?
Current CIBIL band
Credit-card utilisation
Loan enquiries (last 3 mo)
Missed EMI (last 12 mo)
How old is your business?
Answer all eight. You get a loan range, ranked score moves, and which banks fit or unlock.
HOW IT WORKS
Match. Fix. Get approved.
- 1We understand your business
GST, bank statements and CIBIL vs every bank's rules.
- 2You see who fits - and who doesn't
Banks likely to approve you, plus why the others said no.
- 3Improve, then get it in writing
Simple score steps, then rates and charges in writing before you sign.
WHAT IT TAKES
Documents · charges
Kredlink fee (borrower)
The bank shows all interest and fees in writing before you sign.
FAQ
Quick answers
Do you lend the money?
No. An RBI-registered bank or NBFC takes the credit decision.
Why show me rejections?
A rejection without a reason just repeats at the next bank. Once you know the reason, you can fix it.
Will this affect my CIBIL score?
We use a soft bureau check with your consent. Soft pulls are not the same as a hard loan enquiry banks use at sanction.
Is the score plan 'credit repair'?
No. It suggests simple steps from your profile and soft bureau check. We don't promise any score increase.
How does my score affect my loan?
A higher CIBIL score and lower card usage get more banks to approve you. The loan-fit form shows which step helps most, and which banks that unlocks.
Do I need property to get a loan?
Not always. Working-capital loans often need no security; loans against property and some term loans do.
How do I check my application status?
Message us your GSTIN and we'll tell you the stage: received, matched with banks, sent to a bank, or offer ready.
ABOUT
Team
IIT / IIM alumni. We match MSME loans with RBI-registered banks and NBFCs - we don't lend ourselves.
- AKAshish KaushikCo-Founder & CEO
- ASAnkit SinghCo-Founder & CTO
- SKSai KoundinyaCo-Founder & CPO
START
Start a file
Send your GSTIN and what you need. We'll reply with banks that fit, why others don't, and simple steps to improve if needed.