It means we recognize that business isn’t a flat line. We’ve designed our credit to move at your speed providing funds in days, not weeks, and allowing repayments to follow your actual cash flow.

We serve the backbone of India’s economy: the shops restocking for festival rushes, the small units with humming machines, the traders keeping goods moving across every lane and town, the small business owners who keep the country moving. If your business has a rhythm, we have the credit to match it.

Traditional financial institutions often ask you to pause your business to fit their paperwork. We don’t. We use tech to "read your rhythm" (GST, cash flow, and patterns) so we can provide credit that breathes with your business, not against it.

It means we understand that business isn’t linear. We offer flexible repayments and quick top-ups so that when your orders rise, your finance flows just as fast.

Only if you want to! You can apply entirely through our app or website. It’s 2026. Paperwork shouldn’t slow you down. However, if you prefer a conversation, our Relationship Managers are always ready to meet.

We keep it simple. Usually, your KYCand bank statements are enough for us to understand your business rhythm. GST statements and ITR’s ate additional supporting documents.

The application asks for:

• Personal details: KYC, photo, and residence proof
• Work details: Business name, constitution, and Udyam Registration (URC)
• Financials: Monthly turnover and margin %, plus bank details (IFSC, A/c No.) or your salary and employer details
• Property details: As we focus on secured lending, we require information on the property being used as collateral

We aim for "straight answers." Our tech-led process allows for quick credit decisions. We aim for approvals within 48 hours of complete applications and disbursals within 72 hours of approvals so you can spend less time waiting and more time working.

Yes, we offer 100% digital on boarding to save you timewith local on-ground support

We look for consistency and business health. Our RhythmScore™ engine analyzes your business cycles, GST data, and cash flows rather than just relying on a static credit history.

We use OTP-based Aadhar eSign for signing of documents, making the execution of terms instant and secure. Aadhaar eSign is a safe, secure, convenient and legally valid method of digitally signing documents in India.

This is for businesses ready for a bigger jump. Q-Boost offers ₹10L to ₹75L loans with terms designed for affordable, long-term SME support.

Absolutely. Use our online EMI calculator to get an indicative idea of your monthly rhythm. Final terms are customized based on your business assessment.

It’s built directly into our platform. If you've been consistent with your business rhythm and re-payment schedule, you can tap once and have the money on its way - no additional paperwork, no drama.

This is for smaller, steady growth steps. It offers loans from ₹3L to ₹25L, backed by property, designed for micro-enterprises looking to scale.

Think of this as your "instant power-up." If you’re an existing customer, Q-Refill offers instant top-ups from ₹50K to ₹15L with zero fuss. It’s designed to give you one-tap access to funds so you never have to turn away an order due to lack of cash.

The application requires the "Registered Property Owner's Name," so while it is often the applicant, we can discuss cases involving immediate family members who can be co-applicants.

Yes, you can by sharing your employer details, tenure, and monthly salary.

Yes, you can.

We primarily focus on self-occupied residential and commercial properties as collateral.

Yes, any record generated through Aadhar eSign and validated on our platform is binding on both the applicant and co-applicants.

Absolutely. Our digital core, Q-Jarvis™, is built with embedded governance and transparency to ensure your data and your business stay secure.

We offer flexible repayment structures linked to your turnover rhythm—to match when your customers pay you.

Everything is automated to save you time. We set up a digital mandate (NACH) so your repayments happen smoothly and on time.

We believe in "repayments that breathe." If you anticipate a change in your cash flow rhythm, talk to us. We value the human side of credit.

Rates typically range from 18% to 22%, calibrated based on your specific risk profile and RhythmScore™.

You can call our number (________), visit our office, or simply click "Talk to Us" on the app. We’re digital when it’s faster, but human when it matters.

We love hearing how your "shutters rise before sunrise." Use the "Share Yours" form on our website to send us your photos, videos, or story.

We will keep you continuously updated with regards to your loan application via SMS/Email/WhatsApp. Our RM’s and support team are just a phone call away or a ping away on WhatsApp