Unlock cash flow with Credefine - Reliable partners for SME financing

Platform for SMEs to explore all financial solution.

Smart finance solutions for your business

Credefine is a Mumbai based strategic and debt capital advisory firm. We are former business bankers who realized entrepreneurs specially SME’s faced challenges in managing cash flows, even after regular fund-raising.

We created an ecosystem which comprises of multiple financial institutions across India, that specialize us in SME financing with multiple financials products. Our experience and expertise in providing affordable lending solutions and credit repair in SME sector gives access to raise debt seamlessly and manage cash flow efficiently.

Our Work Process

Elevate Your Business With Our Distinctive SME Loan Journey


Firstly, we understand requirement and viability of finance by assessing business, financial papers and other parameters.



Post consultation our expert team will collect minimum documentation and will complete digital application with shortlisted institution.



We will assist in every step of decision making and will negotiate the best terms on borrowing and closing the transactions.

Loan Calculator

Loan Calculator

Loan Term
Loan Amount
Interest Rate
Loan Duration
Total Amount

EMI Amount
Interest Payable
  • EMI Amount (Principal + Interest)
  • Interest Payable
  • Loan Duration
  • Your EMI Amount

Frequently Asked Questions

What is a good credit score to get instant business loans?

Any credit score that is 750 or above is considered good by financial institutions. The maximum credit score is 900 and any score close to it shall be preferred first by lenders.

How to choose the ideal repayment tenor for unsecured business loans?

Ideally, if you avail short-term loan then the repayment tenure should be 36 months. though initially looks longer however purpose is to utilise money for business in first year by keeping lesser EMI compare to 12/ 24 Month.

What is the impact of GST on business loans?

GST plays an important role in getting business loans, as the more the GST is paid, the larger shall be the business volume. Therefore, it becomes easy for banks to rely on such applicants or borrowers that pay their GST.

What is the minimum turnover & vintage requirement for a loan

The minimum annual turnover criteria are defined by the lender and vary from bank to bank however we prefer to have 2 years vintage for decent credit to start with.

What is the difference between Flat interest rate and reducing interest rate?

Under a flat lending rate, interest is calculated on the total principal amount sanctioned, whereas interest accrual under reducing rate is based on the principal outstanding loan amount.

What are the main criteria of any loan eligibility?

It differs from lender to lender, however majorly any loan assessment is to calculate the repayment capacity. With advanced method now most of the lenders derive income and profitability of business from latest banking and GST.

What do lenders see when doing a credit report check?

Information of current address, plus any previous addresses. Previous and existing loans, credit cards, mortgages and overdrafts. Reports also reflects any missed or delayed payments, bankruptcies or insolvencies.

Is it mandatory to buy insurances policy with Loan?

This is optional and purely at the discretion of the Borrower. However, it is always advisable to get a cover as any kind of loan brings liability to repay and family should not suffer in case of any unfortunate event. Nowadays every Institution has tied-up with various Insurance providers to cover their loan and suitable products can be available to its customers with reasonable premium.

Client Testimonial

Hear What Our Clients Have to Say About Their Experience with Our Services.

Mr. Vora, Manufacturer & Exporter

Credefine has been a key partner in our success, and an invaluable asset for the growth and future of our company.

Mr. Shah, Pharma

Very Efficient, team Credefine checked my business loan eligibility and then found me an unsecured OD business loan based on their understanding of my business needs.

Mr. Jain, Homeware Manufacture

After a long-term association with Credefine team members happy to share that team is very efficient in finance field and more than that they know the SME business well.

Mr. Safeer, Hotels & Apartments

Credefine network and reach with multiple institution helped me to raise decent amount on top up of my existing borrowing limit.

Mr. Misar, Logistics

After covid to represent business finance requirement in front of lenders was difficult however we are fortunate that with Credefine team support.

Mr. Victor, Logistics

Credefine offered me the best business loan on the same security and their experience helped me work out a great deal with the lender! Now they handle my entire finance part.

Mr. Singh CFO, Media Industry

We are so impressed! Team checked our business loan eligibility in first meeting and their confidence to raise funds for our immediate requirement gave us comfort to apply.