Salaried & self-employed
— personal & home loans
Loan Facilitation Partner — Since 2019
Every Loan.
One Trusted
Partner.
Personal, home, business, property and more — Viva Capital matches your profile with the right lender from a network of India’s top banks and NBFCs. Transparent, fast, tailored to you.
16 Loan
Categories
Fast Approvals
& Disbursal
40+ Bank &
NBFC Partners
- 40+ Banking Partners
- Faster Sanctions
- High Ticket Expertise
- Tailored Structuring
- PAN India Service
Whatever You’re Borrowing For
Personal goals, business ambitions, a first home, or unlocking value from what you already own — we structure the right loan for the moment you’re in.
Entrepreneurs & SMEs
— business & working capital
Lower EMIs through
balance transfer & top-up
Property owners unlocking
liquidity (LAP & LRD)
Our Loan Suite
Loans We Facilitate
Sixteen product categories across India’s leading banks and NBFCs — scroll through them, or pick the one that fits.
Loan Against Property
LAPTurn your property into powerful capital.
- Up to 75% of property value
- From 8.50%* p.a.
Personal Loan
PLFast liquidity, structured for affordability.
- Up to ₹40 Lakh
- From 10.49%* p.a.
Loan Against Securities
LASUnlock funds without selling investments.
- Shares / MF / Bonds
- Up to 50%–80% of pledge value
CGTMSE Funding
CGTMSECollateral-free funding for business growth.
- Up to ₹5 Cr
- Govt-guaranteed (no asset pledge)
Unsecured DOD
DODFlexible capital, available when you need it.
- Drop-line overdraft
- Up to ₹2 Cr
Drop-Line Overdraft (Secured)
DLODFlexible credit that reduces as you repay.
- Secured drop-line OD
- Up to 70% of property
New Car Loan
NCLSmart financing for your next vehicle.
- Up to 100% on-road price
- Up to 84 months
Car Refinance
CRLower your EMI. Optimize your loan.
- Refinance existing car loan
- Lower rate, extended tenure, top-up
Private Funding
PFStructured solutions beyond traditional lending.
- Within 48 hours
- 3 — 12 months
Home Loan
Structured approvals, even in complex profiles.
Know moreLoan Against Property
Turn your property into powerful capital.
Know moreBusiness Loan
Funding designed for business growth.
Know moreWorking Capital
Smart liquidity for business continuity.
Know morePersonal Loan
Fast liquidity, structured for affordability.
Know moreBalance Transfer
Lower your cost. Upgrade your loan.
Know moreLoan Against Securities
Unlock funds without selling investments.
Know moreEducation Loan
Structured funding for future success.
Know moreCGTMSE Funding
Collateral-free funding for business growth.
Know moreUnsecured Term Loan
Business funding without collateral.
Know moreUnsecured DOD
Flexible capital, available when you need it.
Know moreDrop-Line Overdraft (Secured)
Flexible credit that reduces as you repay.
Know moreNew Car Loan
Smart financing for your next vehicle.
Know moreUsed Car Loan
Affordable loans without compromise.
Know moreCar Refinance
Lower your EMI. Optimize your loan.
Know morePrivate Funding
Structured solutions beyond traditional lending.
Know moreWhy Choose Viva Capital?
Since 2019, Viva Capital has worked as a Direct Selling Agent for India’s leading banks and NBFCs — bridging the gap between borrowers and lenders with integrity, speed, and solutions built around your profile.
Tailored
Solutions
Loan packages structured around your unique profile and goals.
Professional
Expertise
A seasoned team guiding you at every step of the process.
Extensive
Network
Tie-ups with HDFC, ICICI, Axis, Kotak and 8+ more lenders.
Transparent
& Fast
Quick approvals, honest pricing, no hidden charges.
Case Study
₹2.25 Cr
LAP Approved
- No salary income
- Income via trading & mutual funds
- Past EMI issues
Approved Successfully.
Basic Eligibility
- Indian resident, age 21 to 70 years
- Salaried, self-employed, or professional
- Stable income / cash flow (criteria varies by product)
- Property ownership for LAP, LRD & home loans
Documents Required
- KYC (PAN, Aadhaar, Address Proof)
- Income Proof (ITR, salary slips, bank statements)
- Property / asset papers (where applicable)
- Existing loan details (if any)
Note:
Final eligibility & paperwork depend on the lender and loan type. We’ll tell you exactly what’s needed for your case.
How We Work
From the first conversation to long after your loan is disbursed — a guided process built around clarity and speed.
- 1
Consultation
Tell us your goal — we understand your need and profile.
- 2
Product Matching
We compare options across our partner lenders to find the right fit.
- 3
Documentation
We simplify the paperwork and liaise with the lender for fast approval.
- 4
Disbursal & Support
Funds in your account — plus continued assistance after disbursal.
What Our Clients Say
Bought our first home with Viva Capital’s help. They negotiated 0.4% off the rate I’d been quoted directly, walked us through every form, and the disbursement landed before our registry date.
Trusted by Leading Banks & NBFCs
