See your funding options before you apply.
An indicative snapshot of amount, rate and EMI - sized to your business.
Every application shows up as a bureau enquiry. So we assess first and match you to the lenders that actually fit - then prepare your file to credit standards.
Indicative figures only. Final terms depend on lender approval.
Kritagya Capital is a business funding advisory service.
We do not lend from our own books. We assess your business, identify the funding routes that fit, prepare your file to credit standards and coordinate with lending institutions till disbursement.
Powered by Credit Core Finance - an MSME credit advisory firm working with a 90+ lender panel across nationalized, private and MNC channels.
Every requirement is different. So is the right funding route.
Working Capital
Day-to-day operations and cash flow. Usually a cash credit or overdraft limit - interest applies only on the amount you use.
Business Expansion
Funding for the next stage of growth: new capacity, new locations, new markets.
Machinery & Equipment
Term funding for machines and business assets, repaid in EMIs.
Project Finance
Structured funding for larger projects and capital investment.
Property-Backed Funding
Unlock funding against eligible business or personal property.
Structured Business Finance
For larger or more complex requirements that need a tailored structure.
Planning term funding? Get an estimated monthly EMI.
EMI applies to term-style funding - machinery, project and property-backed
loans. Working capital limits such as cash credit and overdraft do not carry a fixed EMI: interest is charged
only on utilisation.
Estimate only. Actual rate, EMI and repayment terms depend on your eligibility and the
lending institution's approval.
The right funding journey starts with understanding - not applications.
Applying everywhere damages your credit profile: every application shows up as a bureau enquiry. We assess first, then approach the lenders that actually fit your case.
- Structured assessment of your business and financial profile
- Funding routes matched to your requirement - not the other way round
- Documentation prepared to credit-desk standards
- Coordination with the lending institution till disbursement
Assess first, then apply
How We Work
Share your requirement
Tell us about your business and what you need funded.
Initial assessment
We review your business profile and requirement. Free of charge.
Explore relevant options
We shortlist the funding routes that fit your profile.
Prepare and approach
Documentation is completed and the file goes to the right lending institution.
Move to sanction
We coordinate queries and next steps through to approval.
Your first step takes a few minutes.
See Who This Is ForBuilt for businesses planning their next move.
If any of these moments sound like yours, you're in the right place.
You need working capital
…or a higher limit than you have today.
You're planning your next step
Expansion, a machinery purchase or a new project.
You want to restructure
Reorganise or consolidate your existing business funding.
Your requirement is complex
Larger or more intricate funding needs.
No. Kritagya Capital is a business funding advisory service. All funding is provided by lending institutions after their own credit assessment and approval.
Share basic details of your business and requirement. Our team reviews the information and guides you on the relevant next steps.
No. Funding is always subject to eligibility, credit assessment, documentation and final approval by the lending institution.
The initial eligibility assessment is free. If an advisory fee applies to your engagement, it is disclosed upfront - before you proceed.
No. It depends on the funding product, your business profile and the lending institution's policy. Collateral-free routes exist for eligible businesses.
No. The initial assessment is based on the information you share. A bureau enquiry happens only when a formal application is filed, with your consent.
To begin: basic details of your business, industry, funding requirement and existing financial profile.
This monsoon, don't just plan your next business move. Prepare for it.
Your next opportunity may already be in front of you. Don't wait until the requirement becomes urgent.
Subject to eligibility, credit assessment and lender approval.
We're a call, chat or visit away.
Based in Pune
Koregaon Park, Pune · MSME credit advisory
Chat with us
WhatsApp business chat, anytime