Private Finance
- Quick Funding Solutions with Flexible Terms & Minimal Documentation
- 100% Transparent Process with Dedicated Financial Advisors
- Serving Individuals & Businesses Across India with Fast & Reliable Private Financing
- Trusted by Professionals, Entrepreneurs & Businesses Nationwide
- 👉 Apply Now & Get Instant Private Finance Assistance
Contact Our Expert
overview
What is Private Finance?
Private finance refers to loans provided by private lenders, NBFCs, or financial institutions outside traditional banking channels. These loans are ideal for individuals and businesses who need quick funds, flexible eligibility, or customized loan solutions.
Private finance is commonly used when:
- Immediate funding is required
- Bank loan eligibility is limited
- Flexible repayment options are needed
For individuals and businesses in Chennai — from traders in Parrys to startups in OMR — private finance offers a fast and accessible way to meet financial needs without lengthy approval processes.
💡 Did you know? Private finance loans are often approved faster than bank loans, sometimes within 24–72 hours.
Benefits
Private finance provides several advantages:
Quick Disbursal
Get funds faster compared to traditional bank loans.
Flexible Eligibility
Easier approval even with moderate credit scores.
Minimal Documentation
Less paperwork and faster processing.
Customized Loan Solutions
Flexible terms tailored to your financial needs.
Eligibility Criteria
Private Finance Eligibility
Eligibility varies by lender, but generally includes:
- Age: 21 to 65 years
- Salaried or self-employed individuals
- Stable income or business cash flow
- Credit score (flexible in some cases)
- Basic KYC compliance
- Must be a Resident Citizen of India
Documents Required
Document Checklist
Prepare these documents for smooth processing:
- Identity Proof
- PAN Card
- Aadhaar Card
- Passport
- Driving License
- Address Proof
- Aadhaar Card
- Utility Bills
- Passport
- Voter ID
- Income Proof
- Salaried: Salary slips, bank statements
- Self-employed: ITR, financial statements
- Business Proof (if applicable
- GST registration, business license
- Bank Statements
- Last 6–12 months
- Photographs
- Passport-size photos
- Audited Financial Statements
- Board's Report
- Annual Return (MGT-7/7A)
- Form AOC-4
- Form MGT-7
- Digital Signature Certificate
Fees and Charges for Private Finance
Charges may vary depending on lender:
| Particulars | Charges |
|---|---|
| Processing Fees | 2% to 5% of Loan Amount |
| Documentation Charges | ₹2,000 – ₹10,000 |
| Prepayment Charges | As per lender terms |
| Penal Charges | Usually 2%–3% per month |
| Service Charges | Based on loan type |
*Private finance may have slightly higher charges compared to bank loans due to faster processing and flexible eligibility.
Private Finance Process
Step-by-Step Loan Assistance Process
Swasthik Capitals ensures a smooth and fast private financing process.
1
Requirement Analysis
We understand your funding needs and urgency.
2
Eligibility Assessment
We evaluate your profile and match you with suitable private lenders.
3
Document Collection
Our team assists in gathering required documents quickly.
4
Application Submission
We submit your application to selected lenders for faster approval.
5
Approval & Verification
The lender reviews your profile and approves the loan.
6
Loan Disbursal & Support
Funds are disbursed quickly, and we continue to assist you throughout.
FAQ
Frequently Asked Questions
Yes, when taken from verified lenders or NBFCs with proper documentation.
Typically ranges from 12% to 24%, depending on profile and risk.
Usually within 24–72 hours, depending on documentation.
Not always. Private lenders may offer flexible approval criteria.
Yes, both individuals and businesses can avail private finance.
