📌 Which Loan Is Right for You?
The Right Documentation Gets You a Better Rate
Lenders price risk based on what they can verify. Clean financials, ITRs, and GST returns can mean the difference between an 8.5% and an 11% interest rate on the same loan.
Home Loan / LAP
Purchase, construction, or loan against existing property
8.5% – 11% p.a.
Business Term Loan
For expansion, equipment purchase, or capacity addition
10% – 16% p.a.
Working Capital Loan
Cash credit / overdraft for day-to-day operations
9% – 14% p.a.
MSME / Mudra Loan
Govt.-backed loans for micro & small enterprises
8% – 12% p.a.
CGTMSE Loan
Collateral-free loan with government credit guarantee
9% – 13% p.a.
Personal Loan
Unsecured loan for personal needs, quick disbursal
10.5% – 18% p.a.
Vehicle Loan
New or used car/commercial vehicle financing
8% – 12% p.a.
Balance Transfer / Top-Up
Shift existing loan to a lower rate + extra funds
Rate-Dependent
⚖️ Bank vs NBFC — Which Should You Approach?
| Feature | Banks | NBFCs |
|---|---|---|
| Interest Rate | Generally Lower | Slightly Higher |
| Approval Speed | Moderate (7-15 days) | Faster (2-7 days) |
| Documentation | Strict, Extensive | Relatively Flexible |
| CIBIL Requirement | Usually 700+ | Often 600+ Accepted |
| Best For | Established businesses, strong financials | New businesses, urgent funding, thin credit file |
✅ What's Included in Our Loan Assistance Service
✓Eligibility & CIBIL Score Assessment
✓Multi-Bank/NBFC Rate Comparison
✓Financial Statement & ITR Preparation Review
✓Loan Application Form Filling
✓Document Compilation & Verification
✓CMA Data / Project Report (if required)
✓Liaison with Bank/NBFC Officials
✓Query Resolution During Processing
✓CGTMSE Guarantee Application Support
✓Sanction Letter Review
✓Disbursement Follow-Up
✓Post-Disbursement EMI & Compliance Guidance
💼 Our Loan Service Fee Structure
| Loan Type | Typical Loan Range | Our Service Fee |
|---|---|---|
| Personal Loan / Vehicle Loan | ₹1L – ₹25L | ₹2,999 |
| Home Loan / Loan Against Property POPULAR | ₹10L – ₹5 Cr | ₹4,999 |
| MSME / Mudra / CGTMSE Loan | ₹50K – ₹5 Cr | ₹4,999 |
| Business Term Loan | ₹5L – ₹10 Cr | ₹7,999 |
| Working Capital / Cash Credit | ₹5L – ₹10 Cr | ₹7,999 |
| Balance Transfer / Top-Up | As Applicable | ₹2,999 |
| CMA Data / Project Report Preparation | As Required | On Request |
| Loan Above ₹10 Crore | As Applicable | On Request |
* Service fee covers documentation & processing assistance only — interest rates and processing fees are set by the lending bank/NBFC. GST extra as applicable.
📊 CIBIL Score — How It Affects Your Loan
750+
Excellent — fastest approval, best interest rates
650-750
Fair — approval likely with stricter terms
< 650
Difficult — most banks decline, some NBFCs may help
We Check Before You Apply
We assess your CIBIL report and financial profile before submitting your application, so you approach the right lender the first time — avoiding rejections that further hurt your credit score.
📁 Documents You Need to Share with Us
🪪 PAN & Aadhaar of Applicant/Directors
📋 Business Registration / Incorporation Proof
📊 Last 2-3 Years' ITR & Financial Statements
📈 GST Returns (Last 12 Months)
🏦 Bank Statements (Last 6-12 Months)
💳 Existing Loan Statements (if any)
📍 Property Documents (for Home Loan/LAP)
📝 Business Plan / Projections (for term loans)
📷 Photographs & Address Proof
🏭 Udyam/MSME Certificate (for MSME loans)
🏆 Why Choose OneWay Tax Solutions LLP for Your Loan?
Multi-Lender Network
We compare offers across multiple banks & NBFCs to find you the best rate.
CA-Prepared Financials
Clean, lender-ready financial statements & CMA data improve approval odds.
Faster Processing
Complete, error-free documentation means fewer queries & faster disbursement.
100% Secure & Confidential
Your financial data is encrypted and handled with strict confidentiality.
CGTMSE Expertise
We help eligible MSMEs access collateral-free loans through the CGTMSE scheme.
End-to-End Support
From eligibility check to disbursement follow-up — we manage the entire process.
WhatsApp Status Updates
Real-time updates on application status — directly on WhatsApp.
Trusted in Jaipur since 2018
2000+ clients served. 5-star rated on Google. Walk-in available at our Jaipur office.
🔄 How It Works — 4 Simple Steps
1
Share Requirements
Loan amount, purpose & basic financial details
2
Eligibility & Lender Match
We assess CIBIL & match you with the best-fit lender
3
Documentation & Filing
Complete application & documents submitted to lender
4
Sanction & Disbursement
Loan sanctioned, agreement signed & funds disbursed
❓ Frequently Asked Questions
What documents are required for a business loan?+
Typically required: KYC documents (PAN, Aadhaar) of the applicant/directors, business registration proof, last 2-3 years' financial statements and ITRs, GST returns, bank statements for the last 6-12 months, and a business plan or projection for term loans. Exact requirements vary by lender and loan type.
What is a CGTMSE loan and who is eligible?+
A CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises) loan is a collateral-free loan backed by a government credit guarantee, available to Udyam-registered Micro and Small Enterprises. It allows businesses to access funding up to ₹5 crore without pledging collateral security.
How does CIBIL score affect loan approval?+
A CIBIL score above 750 generally results in faster approval and better interest rates. Scores between 650-750 may still get approved but with stricter terms or higher interest. Scores below 650 typically face rejection from most banks, though some NBFCs may still offer loans at higher rates.
How long does business loan approval take?+
With complete documentation, secured business loans typically take 7-15 working days for approval and disbursement. Unsecured business loans and MSME loans under government schemes can be faster, sometimes 3-7 working days, especially through digital lending platforms and NBFCs.
Should I go to a bank or an NBFC for my loan?+
Banks generally offer lower interest rates but have stricter documentation and eligibility requirements. NBFCs offer faster approval and more flexible eligibility criteria, often accepting lower CIBIL scores, but at slightly higher rates. We help you compare both and choose what fits your situation.
Can I transfer my existing loan to get a lower interest rate?+
Yes, this is called a balance transfer. If your credit profile has improved or a competing lender offers a lower rate, you can transfer your existing loan and often get an additional top-up loan at the same time. We help evaluate whether the savings outweigh the transfer/processing costs.