4.9Trusted by 1000+ small businesses

Getting a business loan is easier when you have a nāvik.

A nāvik is your loan advisor. Call or WhatsApp your nāvik, tell them what your business needs, and they'll find the right lender from our bank and NBFC partners. nāvik takes care of everything till the money is in your account.

  • Loans up to ₹25 Lakhs
  • 18% – 26% p.a.
  • 1 to 7 year tenure
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Loan approval is subject to the eligibility criteria and discretion of our RBI-regulated partner banks and NBFCs.

A shop owner at the counter of their business

Why choose nāvik?

We do not charge you any commission or fees.

On your side, not the bank's

Your nāvik works for your business, not the lender. They won't push you toward something that doesn't fit. Just straight advice and the right loan for you.

One nāvik, many lenders

Your nāvik works with multiple banks and NBFCs. Instead of you knocking on one door and hoping for a yes, your nāvik finds the lender that actually fits.

Knows your cash flow isn't like a salary

Your cash flow isn't like a salaried person's. Your nāvik understands that. And they know which lenders understand it too.

We handle the running around

Eligibility check, documents, lender follow-up. Your nāvik handles it so you don't have to.

We help businesses get loans for all purposes.

Stock up before the season

Don't lose a sale because stock ran out.

Orders waiting on materials?

Buy what you need now, fill the orders, pay back once the money comes in.

Need a new machine?

Buy it. The orders it brings will pay it back.

Paid your supplier. Waiting on your buyers?

Cover the gap. Keep taking orders.

Ready to expand your shop or open a second one?

Don't let money be the reason you wait.

Too many EMIs every month?

Combine them into one. One payment, less stress, more cash in hand.

What our customers say

Wedding season was 8 weeks away and my supplier needed full payment upfront for the new collection. I had cash for half of it, not all. My nāvik understood exactly why I couldn't wait. The loan was in my account in 11 days. The collection sold out. Best season I've had.
KSKavita SharmaWomen's clothing shop · Jodhpur
I got an order for 4,000 pieces from an exporter in Chennai — the biggest order I'd had. I needed ₹14 lakhs to buy the fabric but my buyer pays after 60 days. Every bank asked for property as security. My nāvik found a lender who accepted my machinery instead. Loan came through in 14 days.
SPSuresh PatelGarment manufacturer · Tirupur
My old machine couldn't do the precision work my clients were asking for. I was losing good orders to shops down the road. I needed ₹8 lakhs for a new CNC. My nāvik got it sorted in 3 weeks. Now I'm taking jobs I couldn't even quote for before.
AKArvind KadamFabrication shop · Rajkot
I supply to 55 kirana stores. My company wants payment upfront but my retailers pay me after 30 to 45 days. That gap used to kill me every month. My nāvik got me a ₹12 lakh loan to cover the gap. I haven't had a cash crunch since.
DVDeepak VermaFMCG distributor · Nashik
My shop had been running for 9 years and I found a good spot nearby for a second one. I needed ₹10 lakhs for the deposit, fit-out, and opening stock. My bank said my ITR wasn't enough. My nāvik found a lender who accepted my shop stock as security. Second shop has been open 4 months now.
HSHarish SoniProvisions store · Hubli
I had three loans. Bank, NBFC, and a local finance company. EMIs on the 7th, 14th, and 21st every month. Together it was ₹48,000 going out. My nāvik got it all consolidated into one. Now I pay ₹33,000 on the 1st. Cash flow is much easier to manage.
VNVijay NaiduAuto parts shop · Vizag

Your nāvik is a call or WhatsApp away.

Tell us what your business needs. We'll take it from there.

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