Business loans · 150+ lenders · zero cost

Get the capital your business needs.
Without the runaround.

We're your single application to 150+ banks and NBFCs. Tell us about your business once — we figure out which lender will fund you fastest, at the best rate, and handle every form and follow-up from there.

No fees · ever Soft pull · CIBIL stays untouched 2 hours of your time · end-to-end
Live · Lender network status Updated just now
0+
Banks & NBFCs actively funding through the gateway
0Cr
Max ticket size — collateral & unsecured combined
0h
Fastest disbursal on GST-based products
0%
First-time approval rate on routed applications
Built for your business

Capital that matches your stage.

Eight products. One application. Pick the one that fits how your business is funded today — each tab opens the full playbook.

EMI calculator

Try the numbers before we touch your CIBIL.

Drag the sliders. See your monthly payment, total interest, and how much of every EMI goes to principal vs interest. No sign-up. No soft pull.

Plan your loan

Defaults reflect typical unsecured business loan terms
₹25,00,000
₹1 L₹2 Cr
36 months
6 mo84 mo
14.5%
8.5%22%
No prepayment penalty in our network Includes processing fee estimate
Estimated monthly EMI
79,234
per month for the full tenure
Total payable
₹28.5 L
Total interest
₹3.5 L
88%Principal
Principal ₹25 L
Interest ₹3.5 L
Lower the rate · we shop 150+ lenders to find it
Lender matching

One profile in. Every lender that fits, out.

Pick a loan amount and product. We show you, live, how many of our 150+ partners are likely to fund your profile — and which ones. We only submit where you'll convert.

Pick a product
₹50,00,000
₹1 L₹20 Cr
Lenders that fit your profile
73
of 150+ on the network
We'll submit to the top 3–5 — the ones where your profile statistically converts highest. The rest stay on standby in case rates shift. Match runs in < 3 seconds on the actual eligibility check
Eligibility · soft check

Tell us about your business. See what you qualify for.

Five questions, no documents, no CIBIL hit. The output is the same logic we use internally to route real applications.

Quick eligibility

Takes about 30 seconds. Nothing is submitted to a lender.
Business vintage years operating
Annual revenue turnover
CIBIL score personal
Loan purpose
Documents available

You qualify for

Ranked by your fit. Tap to see lenders we'd route to.
LIVE
Eligibility shown is indicative · Final terms set by lender at underwriting
The five signals

What lenders actually look at.

Every bank in India reads the same five signals — they just weight them differently. Our gateway knows the weighting per lender, so we route you where you score highest.

01 / Vintage
B

Business vintage

1–3 years minimum depending on the product. GST registration and consistent filings unlock more lenders.

02 / Revenue
R

Revenue evidence

Bank turnover, GST sales, or ITR income. ₹25 L annual minimum opens roughly 80% of our network.

03 / Ability
A

Ability to repay

Monthly net income vs existing EMIs. Your FOIR ratio should sit at or below 50% for the best rates.

04 / Need
N

Need clarity

Expansion, inventory, working capital, machinery — clarity on use of funds materially improves approval odds.

05 / Trust
T

Trust score

Personal CIBIL 650+ preferred. Select NBFCs accept GST + bank statements when CIBIL is weak.

Time to capital

Same products. A fraction of the wait.

Direct applications stall in formatting, lender queries, and re-submission cycles. We compress the timeline by submitting only where your conversion probability is statistically highest.

4.2×Median speedup vs direct, GST-based loans
92%First-time approval on routed applications

Days to disbursal

Direct nxxtcard
GST-based
10 d
2 d
−80%
Invoice
8 d
3 d
−62%
Unsecured
21 d
5 d
−76%
Working Cap.
18 d
7 d
−61%
Equipment
22 d
8 d
−64%
LAP
35 d
17 d
−51%
Source · nxxtcard portfolio, FY24–25 n = 1,820 disbursals
Find your product

Map your situation. Pick the right product.

Most owners pick the wrong product first, get rejected, and lose 30 days. Read across — find the row that sounds like your business.

Your situation Best product Amount Speed
Expansion — new branch, market, or product lineUnsecured Term Loan₹5 L – ₹2 Cr3–7 d
Cash flow gaps — suppliers paid before customers pay youWorking Capital / CC₹5 L – ₹5 Cr5–10 d
Short-term liquidity — need cash for < 90 daysOverdraft Facility₹2 L – ₹2 Cr2–5 d
B2B with unpaid invoices stuck with large clientsInvoice Financing70–90% of invoice2–5 d
Need machinery, vehicles, or industrial equipmentEquipment Loan₹5 L – ₹10 Cr5–10 d
New business (1–2 yrs), GST filer, no propertyGST-Based Loan₹2 L – ₹1 Cr24–72 h
Own property, need large capital at lowest EMILoan Against Property₹10 L – ₹20 Cr10–21 d
Micro business, Udyam registered, need govt-backed ratesMSME / Govt Scheme₹50 K – ₹5 Cr7–21 d
Has an existing loan — wants better rate or higher amountBalance Transfer + Top-UpBased on outstanding7–14 d
Not sure which product fits? Book a 15-minute discovery call. We map your goals to a shortlist of viable products — free, no documents required.
Application dashboard

One screen. Every lender. Every offer.

Once you're in, you get a single dashboard that shows where every lender stands — offers, queries, rates, ETA. Here's what it looks like.

app.nxxtcard.com / pipeline / TXN-29481
v2.1 · live

Mehta Textiles · Unsecured ₹35 L

TXN-29481 · Opened Tue, 14 May · 5 lenders on standby
3 OFFERS IN · 1 NEGOTIATING
Best rate so far13.4% ↓ 1.1%
Best EMI₹1.19 L
Disbursal ETA4 days− 2 d
Offers received3 / 5live
Lender
Rate · Tenure
Status
ETA
HDFC BankRelationship banking · Sr. RM Priya N.
13.4% · 36 mo
Offer in
4 d
→ Accept
Tata CapitalDirect underwriter · Anuj S.
13.9% · 36 mo
Offer in
5 d
→ Compare
Bajaj FinservPre-approved tier · Auto-routed
14.6% · 24 mo
Offer in
3 d
→ Compare
Axis BankNegotiating better rate · Awaiting reply
~13.2% (target)
Negotiating
2 d
— Watch
Kotak MahindraProfile too thin for tenure ask
Withdrawn
— Closed
Activity
14:22 · todayPriya (HDFC) sanctioned offer — final terms attached2h ago
11:08 · todayAxis requested updated GSTR-3B · provided automatically from your last upload5h ago
YesterdayBajaj pre-approval confirmed at 14.6% · expires in 14 days1d
Tue5 lenders matched and submitted simultaneously3d
Mock-up of the live application workspace · Available to every active client
How it works

Four steps. Under two hours of your time.

You're involved in steps 1 and 2. After that, we handle every lender conversation, every follow-up, every form. You see the outcome.

YOU · < 2 hours US · concierge service
STEP 01

15-min discovery call

We map your goals, loan purpose, and rough financials to a shortlist of viable products.

Today
STEP 02

You share 5–6 documents

PAN, Aadhaar, GST, bank statements, ITR. WhatsApp them. Your active part ends here.

Day 1 – 2
US
STEP 03

We match & submit

Single application formatted to each lender's spec. Routed to your top 3–5 statistical fits.

Day 2 – 3
US
STEP 04

Offers, negotiation, disbursal

Every lender query, every follow-up, every negotiation. Funds hit your account directly.

24 h – 21 d
Want to walk through the process live? Book a 15-minute discovery call. We map your goals to a shortlist of viable products — free, no documents required.
Document checklist

Three folders. That's the entire ask.

You hand us raw files via WhatsApp. We compile, format, and add the lender-specific addenda for each application.

Identity & entity

  • PAN & Aadhaar of promoter(s)
  • Business PAN — if Pvt Ltd / LLP
  • GST registration certificate
  • Udyam / MSME registration

Financial health

  • Last 6 months bank statements
  • Last 2 years ITR with P&L
  • Last 6 months GSTR-3B filings
  • Existing loan sanction letters (if any)

Business specifics

  • Business address proof
  • Entity docs · Partnership Deed / MOA
  • Property papers — for LAP
  • Machine quotation — for Equipment Loan
Owner stories

What we hear, after the money lands.

A few from the last quarter. Names and businesses lightly anonymized at owner request.

We'd been chasing one bank for three months. The day after we called nxxtcard, four lenders had our file. We disbursed in eleven days at a rate we couldn't have negotiated alone.
₹48 LUnsecured
11 daysTo disbursal
13.2%Final rate
RK
Ravi K.
Auto parts mfg · Pune
My CIBIL had taken a hit. Two banks rejected me without explanation. The team here told me which two NBFCs would actually look at my GST instead — and that's where the money came from.
₹14 LGST-based
3 daysTo disbursal
16.4%Final rate
SP
Sneha P.
D2C apparel · Bengaluru
I have a CFO. I have a CA. They still couldn't get me what nxxtcard got me on rate. Their network is the real moat — they knew which lender wanted my exact profile that week.
₹2.1 CrLAP
16 daysTo disbursal
9.8%Final rate
AM
Arjun M.
Logistics · Indore
FAQ

The honest answers.

Anything not covered here, ask us on WhatsApp. We answer in plain language.

How are you free if you do this much work?+
Our 150+ lender partners pay us a small placement fee — only when a loan disburses. That's the entire revenue model. Nothing leaves your pocket, no hidden charges, no inflated rate to cover us. Your rate is the lender's rate.
Will this hurt my CIBIL?+
No. The eligibility check is a soft inquiry — invisible to your score. We only do hard pulls at the very end, with your explicit consent, and only at the 1–2 lenders we're confident will sanction. Direct-to-bank approaches typically generate 4–6 hard pulls; we generate 1–2.
What if I've been rejected before?+
That's actually our most common case. A rejection from Bank A often means nothing for Bank B — every lender weights the signals differently. We've routed plenty of profiles that "couldn't get a loan" to lenders that funded them within a week.
How do you handle my documents?+
Documents stay in a private workspace tied to your application. Lenders only see what the application demands. After disbursal, your file is archived for the regulatory retention period and then purged on request.
Can you really get me a better rate than my bank?+
Usually, yes — because we put 3–5 lenders in active competition for your file, and we know each lender's appetite that week. Even when your home bank offers the lowest rate, we've often pulled it lower by walking in with a competing offer.
What if I'm a new business — less than a year old?+
Limited but real options exist. GST-based loans accept 6+ months of consistent filings. Invoice financing only needs creditworthy buyers. Mudra/govt schemes accept Udyam registration. We'll be honest about ticket size.
How long does the whole thing take?+
Fastest: 24 hours (GST-based, complete docs). Typical unsecured: 5–7 days. LAP: 10–21 days. Your active time is capped at roughly two hours regardless.
Are you a bank or an NBFC yourselves?+
No. nxxtcard is a regulated loan facilitation service — we sit between you and 150+ lenders. The actual loan is sanctioned and disbursed by the lender directly to your business account.
Get started

Capital when you need it. Not 30 days from now.

One WhatsApp message starts the discovery call. From there, your time commitment is capped at roughly two hours — and we never charge you a rupee for our service.

Start on WhatsApp Schedule discovery call connect@nxxtcard.com
Discovery calls available today · IST 10:00–20:00