Alternative Financing • Flexible Funding
NBFC Financing Solutions
Quick Disbursement • Flexible Eligibility • Specialized Products
Banks said no - or just too slow? NBFCs offer faster approvals, flexible eligibility, and loan products that banks don’t provide. Vikas Bharat finds the right NBFC for your business and handles everything from application to disbursement.
Sapno Se Safalta Tak
24-72hrs
Disbursement Time
₹0Cr+
Funding Available
0+
NBFC Partners
Flexible
Eligibility Criteria
Faster Capital
NBFC Financing Solutions
When you need faster approval or a loan product banks do not offer, we match you to the right NBFC from our network of 25+ partners - working capital, machinery, LAP, or invoice discounting.
Vikas Bharat helps businesses identify suitable financing based on their business model, financial profile and funding requirements - across banks, NBFCs, government schemes and specialised products.
Why Choose NBFC Financing?
- 01
Faster approval compared with traditional banks
- 02
Flexible eligibility criteria
- 03
Specialized loan products
- 04
Customized financing solutions
- 05
Faster disbursement
- 06
Financing for businesses that may not fit traditional bank criteria
Product Desk
NBFC Loan Products
Specialised Financing Products That Banks Often Do Not Offer - Matched To Your Purpose And Cash Flow.
Working Capital & Growth
Working Capital Loans
Short-term financing to manage operational expenses, inventory, payroll, supplier payments and cash-flow requirements.
Business Term Loans
Structured financing for business expansion, equipment purchases, infrastructure and long-term investments.
Loan Against Property
Financing against residential or commercial property for businesses requiring larger-ticket funding.
Asset & Invoice Finance
Invoice Discounting
Convert outstanding invoices into immediate working capital instead of waiting for customers to make payments.
Machinery Finance
Funding specifically designed for purchasing machinery, equipment and business assets.
Fit Check
Who Can Benefit From NBFC Financing?
NBFC Financing Is Positioned For Businesses That Need Speed, Flexibility, Or A Product Banks Do Not Underwrite.
When Banks Are Too Slow
Faster Loan Approval
Need a sanction without the typical bank queue and committee cycle.
Urgent Working Capital
Inventory, payroll or supplier payments that cannot wait on a 2-4 week bank file.
Bank Eligibility Gaps
Difficulty meeting traditional bank criteria - vintage, collateral or CIBIL band.
Unconventional Cash Flows
Inconsistent or seasonal revenue that cash-flow underwriting can still support.
When The Product Must Fit
Specialized Products
Invoice discounting, machinery finance or LAP structured around the actual use of funds.
Larger-Ticket Financing
Bigger tickets where property-backed or specialised NBFC products are a better match.
Invoice-Based Financing
Unlock cash against receivables instead of waiting on customer payment cycles.
Flexible Repayment
Structures that can flex with seasonality, collections and growth plans.
How We File
Our NBFC Financing Process
From First Assessment To Funds In The Account - Matched, Documented And Followed.
- STEP 01
PROCESS
Business Assessment
Understand your business profile, financial position, funding requirement and purpose of the loan.
- STEP 02
PROCESS
Eligibility Evaluation
Assess your financials, credit profile, revenue, business vintage and funding requirements.
- STEP 03
PROCESS
NBFC Matching
Match your business with suitable NBFC partners and financing products.
- STEP 04
PROCESS
Documentation
Collect and organize financial, business, KYC and supporting documents.
- STEP 05
PROCESS
Application & Verification
Submit the application and coordinate with the NBFC during verification and underwriting.
- STEP 06
PROCESS
Approval
Complete lender requirements and obtain the final sanction.
- STEP 07
PROCESS
Disbursement
Complete the final formalities and receive the approved funds.
Why This Desk
Benefits Of Choosing Vikas Bharat
A 25+ NBFC Network, Product Matching, And A File That Is Prepared And Followed To Disbursement.
01
25+ NBFC Network
Access a network of more than 25 NBFC partners to find a suitable financing option.
02
Faster Processing
NBFCs can provide faster approvals and disbursement compared with traditional bank financing.
03
Product Matching
We match businesses with appropriate products such as working capital, machinery finance, LAP and invoice discounting.
04
Documentation Support
Assistance throughout the documentation and application process.
05
Better Financing Structure
Support in selecting and structuring financing according to the business requirement.
Financing Desk
Business Financing Support
We Help You Identify Suitable Financing Based On Your Business Model, Financial Profile And Funding Requirements.
01
Banks
Term loans, working capital and scheme-linked bank products when the file fits a branch underwriting path.
02
NBFCs
Faster, more flexible partners for cash-flow, invoice, machinery and property-backed tickets.
03
Government Schemes
MUDRA, CGTMSE and other backed programs where eligibility and documentation can unlock cheaper capital.
04
Specialized Products
Invoice discounting, LAP and machinery finance structured around the actual use of funds.
- What is the difference between an NBFC loan and a bank loan?
- Both are business loans, but NBFCs are faster to approve, more flexible on eligibility, and offer products like invoice discounting that most banks don't. The trade-off is interest rates that are typically 1-4% higher than PSU bank rates.
- Can I get an NBFC loan if my bank loan application was rejected?
- Yes, in many cases. NBFCs use different credit models. Some focus more on your cash flows than your CIBIL score, while others accept lower scores such as 650+ that banks would reject.
- What NBFC loan products are available for MSMEs?
- Common NBFC products for MSMEs include working capital loans, term loans, Loan Against Property (LAP), invoice discounting and machinery finance. Vikas Bharat matches businesses with the appropriate product based on their funding purpose.
- How long does it take to get an NBFC loan disbursed?
- Most NBFC loans disburse within 24-72 hours after complete documentation. Some fintechs in our network can disburse working-capital loans the same day for pre-approved profiles.
NBFC Questions, Answered
How NBFC Loans Differ From Banks, What Happens After A Rejection, Products And Disbursement Speed.
What is the difference between an NBFC loan and a bank loan?
Both are business loans, but NBFCs are faster to approve, more flexible on eligibility, and offer products like invoice discounting that most banks don't. The trade-off is interest rates that are typically 1-4% higher than PSU bank rates.
Can I get an NBFC loan if my bank loan application was rejected?
What NBFC loan products are available for MSMEs?
How long does it take to get an NBFC loan disbursed?
Keep exploring
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Open Startup India CertificationCertifications & Compliance
Certifications & Compliance services to ensure legal & regulatory business readiness.
Open Certifications & Compliance
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Contact us for expert consultancy on company registration or migration and access India's top MSME funding schemes. We offer personalized services to help you secure the resources needed for growth.
