Apply Now

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.

Apply NowTalk to an Advisor

  • 16 Loan

    Categories

  • Fast Approvals

    & Disbursal

  • 40+ Bank &

    NBFC Partners

Property — collateral that quietly grows in value
Apply in 60 seconds

Apply for a Loan

Tell us a little about you — a senior advisor will call within one business day. No obligation, no upfront fees.

  • ✓100% confidential
  • ✓Callback within 24 hrs
  • 40+ Banking Partners
  • Faster Sanctions
  • High Ticket Expertise
  • Tailored Structuring
  • PAN India Service

Who we help

Borrowers we know —
profiles we know how to place.

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.

Salaried & Self-Employed

Home, personal, and education loans structured around your earnings — clean documentation, fast disbursal.

Entrepreneurs & SMEs

Business loans, working capital, CGTMSE and unsecured term funding sized to your business cycle.

Lower-EMI Seekers

Balance-transfer your existing home, LAP or business loan to a sharper rate — with a structured top-up if needed.

Property Owners

Unlock liquidity from residential, commercial or industrial real estate via LAP, LRD, or drop-line overdraft.

Our Loan Suite

Loans we facilitate —
sixteen products, one private desk.

Across India’s leading banks and NBFCs — scroll through the suite, or pick the one that fits.

01

Home Loan

HL

Structured approvals, even in complex profiles.

  • From 8.50%* p.a.
  • Up to ₹10 Cr
Know more
02

Loan Against Property

LAP

Turn your property into powerful capital.

  • Up to 75% of property value
  • From 8.50%* p.a.
Know more
03

Business Loan

BL

Funding designed for business growth.

  • Up to ₹50 Lakh
  • 12 — 60 months
Know more
04

Working Capital

WC

Smart liquidity for business continuity.

  • OD / CC / BD
  • Linked to turnover
Know more
05

Personal Loan

PL

Fast liquidity, structured for affordability.

  • Up to ₹40 Lakh
  • From 10.49%* p.a.
Know more
06

Balance Transfer

BT

Lower your cost. Upgrade your loan.

  • Home / LAP / BL
  • Lower rate + top-up
Know more
07

Loan Against Securities

LAS

Unlock funds without selling investments.

  • Shares / MF / Bonds
  • Up to 50%–80% of pledge value
Know more
08

Education Loan

EL

Structured funding for future success.

  • Up to ₹1.5 Cr
  • Course + 6 months
Know more
09

CGTMSE Funding

CGTMSE

Collateral-free funding for business growth.

  • Up to ₹5 Cr
  • Govt-guaranteed (no asset pledge)
Know more
10

Unsecured Term Loan

UTL

Business funding without collateral.

  • Up to ₹2 Cr
  • 12 — 60 months
Know more
11

Unsecured DOD

DOD

Flexible capital, available when you need it.

  • Drop-line overdraft
  • Up to ₹2 Cr
Know more
12

Drop-Line Overdraft (Secured)

DLOD

Flexible credit that reduces as you repay.

  • Secured drop-line OD
  • Up to 70% of property
Know more
13

New Car Loan

NCL

Smart financing for your next vehicle.

  • Up to 100% on-road price
  • Up to 84 months
Know more
14

Used Car Loan

UCL

Affordable loans without compromise.

  • Up to 90% of valuation
  • Up to 8 years
Know more
15

Car Refinance

CR

Lower your EMI. Optimize your loan.

  • Refinance existing car loan
  • Lower rate, extended tenure, top-up
Know more
16

Private Funding

PF

Structured solutions beyond traditional lending.

  • Within 48 hours
  • 3 — 12 months
Know more
01

Home Loan

Structured approvals, even in complex profiles.

Know more
02

Loan Against Property

Turn your property into powerful capital.

Know more
03

Business Loan

Funding designed for business growth.

Know more
04

Working Capital

Smart liquidity for business continuity.

Know more
05

Personal Loan

Fast liquidity, structured for affordability.

Know more
06

Balance Transfer

Lower your cost. Upgrade your loan.

Know more
07

Loan Against Securities

Unlock funds without selling investments.

Know more
08

Education Loan

Structured funding for future success.

Know more
09

CGTMSE Funding

Collateral-free funding for business growth.

Know more
10

Unsecured Term Loan

Business funding without collateral.

Know more
11

Unsecured DOD

Flexible capital, available when you need it.

Know more
12

Drop-Line Overdraft (Secured)

Flexible credit that reduces as you repay.

Know more
13

New Car Loan

Smart financing for your next vehicle.

Know more
14

Used Car Loan

Affordable loans without compromise.

Know more
15

Car Refinance

Lower your EMI. Optimize your loan.

Know more
16

Private Funding

Structured solutions beyond traditional lending.

Know more

Why Choose Viva Capital

Funding for real profiles —
not the bank’s default template.

Since 2019, we’ve placed files across 40+ banks and NBFCs by doing what call-centre DSAs can’t — structuring complex profiles until the right lender says yes.

Tailored Structuring

Files structured around your unique profile and goals — not the bank's default template.

Senior Advisor Access

A senior advisor reads your file end-to-end — no call-centre routing, no junior handovers.

40+ Lender Network

We pick the lender most likely to approve your case — across India's leading banks and NBFCs.

Transparent, No Upfront Fees

We get paid by the lender on disbursal. Honest pricing, no hidden charges, no surprises.

Proof, not promises

Cases others rejected. We structured.

View all case studies
01Approved

High-Ticket

₹2.25 Cr sanctioned — no salary, no business

₹2.25 Cr

Read the case
02Approved

Restructuring

₹1.8 Cr restructured for a business drowning in EMIs

₹1.8 Cr

Read the case
03Capability

High-LTV

Up to 200% LTV — when cashflow does the work

Up to 2× property value

Read the case

Our Process

From first conversation —
to disbursal and beyond.

A guided four-step process built around clarity and speed. No opaque hand-offs, no junior routing — one senior advisor walks the case through.

  1. 01

    Profile Review

    Tell us your goal. A senior advisor reads your file end-to-end and identifies the right route.

  2. 02

    Bank Matchmaking

    We compare offers across 40+ lenders and pick the one most likely to approve your profile, at the best rate.

  3. 03

    Documentation

    We simplify the paperwork and structure it the way underwriters can underwrite — no guesswork.

  4. 04

    Sanction & Support

    Funds in your account — and continued assistance after disbursal. We stay with the case.

Client voices

Real clients —
real outcomes.

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.

Rahul Mehta

Home Loan Customer · New Delhi

Whatever the Loan, We’ll Find the Right Approval.

Free consultation. Check your eligibility in 2 minutes.

Apply NowTalk on WhatsApp

Trusted by Leading Banks & NBFCs

Talk to a Funding Expert