The right funding starts with the right guidance.
Every business reaches a point where the right financial support can make a difference. Whether you're looking to expand operations, manage working capital or invest in equipment, CapitalWiser helps you explore relevant financing options and understand the way forward.
*CapitalWiser is a business finance facilitation brand of Pragyan Technologies Pvt. Ltd. Financing is subject to lender eligibility, due diligence and approval.*
How CapitalWiser Powers Business Borrowers
Traditional loan origination is opaque, fragmented, and slow. We replace sequential bank rejections with an automated institutional matchmaking process.
Clarity is Power
Transform fragmented accounting records, GST returns, and current account statements into a unified credit profile. Instantly understand your loan eligibility and fix flags before formal bank submission.
- GST vs Turnover reconciliation audit
- Average Bank Balance (ABB) volatility scan
- Cheque bounce & inward return cleanup
Data-Driven Growth
Make smarter financial decisions with real-time financial modeling. We analyze DSCR, interest coverage, and working capital cycles to package an investment-grade credit memorandum.
- Automated CMA preparation & ratios packaging
- Collateral optimization (LTV maximization)
- High-cost debt consolidation planning
Move Fast & Scale Faster
Access multiple lenders on one seamless platform spanning public sector lenders, private commercial banks, and top NBFCs. Receive competitive terms and fast sanctioned disbursements.
- Multi-lender automated bidding auction
- Parallel sanctions with zero bureau degradation
- Fast-track legal & disbursement coordination
A Clear Path from Enquiry to Application
A simple, transparent process helps businesses prepare before approaching a lender.
Discover & Benchmark
Automated financial data ingestion across GST returns, 12-month bank statements, and bureau profiles with anomaly scrubbing.
- GST vs Turnover reconciliation
- ABB volatility & inward scrub
- Zero bureau inquiry impact
Formulate & Optimize
Credit analysts compute DSCR, interest coverage, and optimize collateral structures to model prime interest rate pricing bands.
- Automated CMA modeling
- Collateral & LTV optimization
- Credit mitigation memorandum
Match & Syndicate
Parallel matching across multiple accredited banking and NBFC partners. Multi-lender bidding ensures optimal interest spreads.
- Multiple institutional network
- Competitive lender auction
- Parallel policy validation
Sanction & Disburse
Receive binding in-principle term sheets, clear digital documentation, and expedite liquidity disbursement directly into your bank.
- Formal binding term sheets
- Digital legal doc clearing
- Fast-track fund release
Documents that may be requested:
Depending on product and lender: Business registration details, PAN, GST records, bank statements, financial statements, ITRs, property papers, invoices, and identity/address proofs.
* Important: Do not send sensitive documents through unsecured channels.
Calculate EMI & Financing Terms
Simulate your borrowing options for Loan Against Property, MSME Business Loans, and Home Loans with instant repayment breakdown.
Loan EMI & Repayment Calculator
Loan Products Structured for Indian Enterprises
From high-LTV property collateralized loans to fast unsecured working lines, compare credit products tailored for liquidity.
Up to 75% LTVLoan Against Property (LAP)
Unlock high liquidity against residential, commercial, or industrial real estate.
Revolving Liquidity LineWorking Capital Limits (CC / OD)
Revolving credit line secured against current assets, receivables, and inventory.
Collateral FreeUnsecured MSME Business Loan
Collateral-free liquidity approved solely on bank statements & GST track record.
Corporate Escrow ModelLease Rental Discounting (LRD)
Immediate term loan discounted against future leased commercial rental cash flows.
Up to 90% Capex InvoicingMachinery & Equipment Loan
Capex equipment financing for industrial machinery, medical devices, and manufacturing.
TReDS & FactoringInvoice Discounting (TReDS)
Turn unpaid corporate buyer invoices into immediate working cash within 24 hours.
Prime Rate 8.35%Home Loan & Plot Purchase
Lowest-interest home loans, commercial plot purchases, and construction finance.
Zero ForeclosureUnsecured Overdraft Facility
Pre-approved credit line without collateral. Pay interest only on daily utilized funds.
Same-Day Digital PledgeLoan Against Securities (LAS)
Instant digital liquidity pledged against shares, mutual funds, sovereign gold bonds & FDs.
0% Equity DilutionRevenue-Based Financing (RBF)
Non-dilutive growth capital for D2C brands, SaaS & tech companies linked to monthly revenues.
AIF & NABARD LinkedAgri-business & FPO Project Finance
For eligible agriculture-linked enterprises, FPOs, processing units and infrastructure projects, subject to scheme and lender criteria.
Have a specific ticket size or enterprise requirement in mind?
Share your business type, approximate turnover, funding purpose and estimated amount required. A preliminary discussion can help identify the next steps and documents that may be relevant.
Smart Eligibility & Financial Health Card
Our platform decodes your operational cash-flows through API-driven data parsing of PDF statements, GSTR-3B filings, and audited balance sheets to generate the CapitalWiser Business Health Report.
Credit Health Card
Evaluates profitability, debt coverage, and transaction trends without triggering hard bureau inquiries.
Multiple Policy Matrix Matcher
Cross-referenced against PSU banks, private commercial lenders, and AIF debt funds simultaneously.
Bank-Grade 256-Bit Financial Encryption
Strict data privacy compliance. Your balance sheets are never shared without explicit authorization.
Multiple Accredited Banking & NBFC Partners
We work across public sector banks, private commercial powerhouses, and institutional debt funds Pan-India.
Empowering Financial Intermediaries, CAs & DSAs
Scale your corporate advisory practice with our white-labeled loan syndication engine and transparent payouts.
CA Debt Syndication Alliance
Expand from compliance audits into high-ticket debt advisory. Leverage our algorithmic underwriting portal to package institutional loans for your client portfolio.
- Automated CMA preparation & credit memo drafting
- Senior credit committee access across multiple banks
- Protected client confidentiality & referral revenue share
Unified DSA Origination Dashboard
Stop managing 20 separate bank logins. Submit client files once, track parallel sanctions in real-time, and get timely payouts without leakage.
- Single-login origination across multiple financial institutions
- Higher payout slabs on secured property loans & LRD
- Dedicated relationship manager to resolve bank bottlenecks
MSME Consultants & Networks
Support businesses seeking working capital, expansion finance or equipment funding through an institutional, transparent syndication process.
- Working capital, expansion debt & equipment capex solutions
- Responsible guidance without unrealistic promises or pressure
- Dedicated channel manager and real-time application tracking
Refer & Earn Enterprise Network
Know ambitious companies seeking growth debt or high-ticket LAP refinancing? Introduce them to CapitalWiser and earn attractive institutional referral success fees.
- Direct revenue sharing on every successful loan disbursement
- 100% digital client tracking with automated payout credits
- Zero liaison burden: our credit desk executes end-to-end
Written terms, customer consent, secure data handling, transparent referral arrangements and no misleading approval promises.
No promise of upfront approval or a fixed interest rate. Financing decisions remain with the relevant lender. Customer information is collected only for a stated purpose and handled securely.
Frequently Asked Questions
Clear answers to common questions about loans, credit diagnostics, and syndication.
Does checking our credit score on CapitalWiser hurt our bureau rating?expand_more
No, absolutely not. We perform a soft credit pull that does not impact your credit score and does not generate bureau inquiries. A formal hard commercial inquiry is only triggered once you select and formally authorize an institutional bank term sheet.
What is the CapitalWiser Business Health Report?expand_more
The Business Health Card is a detailed diagnostic report evaluating your banking statements, GST returns, and financial ratios. It highlights profitability, debt service coverage (DSCR), and potential flags, giving you an exact blueprint of your borrowing power before approaching lenders.
Can CapitalWiser help refinance or consolidate high-interest loans?expand_more
Yes, loan takeover and debt consolidation is one of our most popular services. We evaluate existing high-cost NBFC business loans or uncollateralized credit and merge them into an institutional Loan Against Property (LAP) with longer tenures, reducing monthly debt outflow by up to 40%.
What factors are considered when matching borrowers with lenders?expand_more
Our algorithm reviews your Average Bank Balance (ABB), GST sales velocity, DSCR, industry sector, collateral type (commercial vs residential), and current debt commitments against the underwriting rules of multiple banks.
What types of loans does CapitalWiser offer?expand_more
We offer both secured and unsecured facilities: Loan Against Property (LAP), Working Capital Limits (CC / OD), MSME Business Loans, Lease Rental Discounting (LRD), Machinery Capex Financing, Invoice Discounting / TReDS, and Home Loans.
Move Forward with Greater Financial Clarity.
Tell us what your business needs. We will help you understand possible next steps, evaluate lender eligibility, and prepare relevant documentation.