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SubhNex Services
Loan Consultancy Services
Personal loans to government-backed business funding — SubhNex connects you with the right lender at the best rate. Certified loan consultants, end-to-end support, zero hidden charges.
1000+
Loans Processed
20+
Bank Partners
48hr
Approval Time
95%
Approval Rate
5+
Years Experience
Loan Categories
Find the Right Loan for You
Select a category below to explore all loan types. Click any loan card to view complete details, eligibility, documents, and process.
💳
Personal Loan
Instant funds for any personal need — medical, travel, wedding, home renovation or any emergency without collateral.
View Full Details
Unsecured Loan
⚡
Instant Loan
Get funds within hours through digital lending platforms. Fully online process with minimal documentation and fast approval.
View Full Details
Digital Loan
💼
Salary Based Loan
Exclusive loan product for salaried employees — loan amount based on your monthly salary with easy EMI deductions.
View Full Details
Salaried Loan
🏭
MSME Loan
Dedicated financing for Micro, Small & Medium Enterprises. Collateral-free options under CGTMSE scheme with government backing.
View Full DetailsBusiness Loan
🌱
Mudra Loan (PM Mudra Yojana)
Government scheme for small businesses — Shishu (up to ₹50K), Kishore (up to ₹5L), Tarun (up to ₹10L). No collateral required.
View Full DetailsGovt. Scheme
🔄
Working Capital Loan
Short-term financing to manage daily business operations — stock purchase, supplier payments, salary disbursement and cash flow gaps.
View Full DetailsBusiness Loan
📈
Business Expansion Loan
Long-term financing for business growth — new branch, machinery, equipment purchase or entering new markets.
View Full DetailsTerm Loan
🏠
Home Loan
Finance your dream home — purchase, construction, or renovation. Competitive interest rates with repayment tenure up to 30 years.
View Full DetailsSecured Loan
🏗️
Loan Against Property (LAP)
Unlock the value of your existing property — residential or commercial — to get a large loan at lower interest rates for any purpose.
View Full DetailsSecured Loan
🚗
Car Loan
Finance your new or pre-owned car with attractive interest rates. Up to 100% on-road funding for new vehicles from leading banks and NBFCs.
View Full DetailsVehicle Loan
🏍️
Two Wheeler Loan
Get your dream bike or scooter financed easily. Quick approval with minimal documents for both new and used two-wheelers.
View Full DetailsVehicle Loan
🚛
Commercial Vehicle Loan
Finance trucks, buses, tempos, tippers, tractors or any commercial vehicle for your transport or logistics business.
View Full DetailsCommercial Loan
🏛️
PMEGP Loan
Prime Minister's Employment Generation Programme — get up to ₹50 lakh loan with 15-35% government subsidy for new manufacturing or service enterprises.
View Full DetailsGovt. Subsidy
🤝
Stand Up India Loan
Composite loan between ₹10 lakh to ₹1 crore for SC/ST and women entrepreneurs to set up greenfield enterprises in manufacturing or services.
View Full DetailsGovt. Scheme
🛡️
CGTMSE Loan
Credit Guarantee Fund Trust for MSEs — collateral-free business loans up to ₹2 crore backed by government guarantee. No property mortgage required.
View Full DetailsCollateral Free
🚀
Startup Funding Guidance
Complete guidance for early-stage startups — Startup India registration, seed funding options, angel investors, venture capital, and government grants.
View Full DetailsAdvisory
Our Process
How We Process Your Loan
SubhNex handles the entire loan process on your behalf — from eligibility check to final disbursement.
1
Free Consultation
We understand your requirement and check your eligibility across multiple lenders for the best match.
2
Document Collection
We tell you exactly which documents are needed and collect them — no confusion, no extra trips.
3
Bank Submission
We prepare and submit your loan application to the right bank or NBFC for fastest approval.
4
Follow Up
We actively follow up with the lender on your behalf until sanction — you don't need to visit the bank.
5
Disbursement
Loan amount is credited to your account. We hand over all sanction letters and documents to you.
Quick Reference
Loan Eligibility Overview
| Loan Type | Who Can Apply | Loan Amount | Tenure | Collateral |
|---|---|---|---|---|
| Personal Loan | Salaried / Self-employed, 21–60 yrs, min ₹15K salary | ₹50K – ₹40L | 12–60 months | Not Required |
| Instant Loan | Anyone with good credit score, 21–55 yrs | ₹5K – ₹5L | 3–24 months | Not Required |
| Salary Based Loan | Confirmed salaried employee, min 6 months service | Up to 30x salary | 12–60 months | Not Required |
| MSME Loan | MSME-registered businesses, 2+ years operation | ₹1L – ₹2Cr | 12–84 months | Optional (CGTMSE) |
| Mudra Loan | Any non-farm income generating business | Up to ₹10L | 3–5 years | Not Required |
| Home Loan | Salaried / Self-employed, 21–65 yrs, stable income | ₹5L – ₹5Cr+ | Up to 30 years | Property Mortgage |
| Loan Against Property | Property owner, age 21–70 yrs, income proof | Up to 70% of value | Up to 20 years | Property Required |
| Car Loan | Salaried / Self-employed, 21–65 yrs, min ₹20K income | Up to 100% ex-showroom | 12–84 months | Vehicle Hypothecation |
| PMEGP Loan | Age 18+, new enterprise, 8th pass minimum | Up to ₹50L | 3–7 years | Project Based |
| CGTMSE Loan | MSME unit, new or existing, viable business plan | Up to ₹2Cr | Up to 7 years | Not Required |
Why SubhNex
Why Get Your Loan Through SubhNex
20+ Bank & NBFC Partners
We compare your profile across 20+ lenders and get you the loan at the lowest interest rate available in the market — saving you thousands in EMIs.
95% Loan Approval Rate
Our experienced team assesses your eligibility before applying — ensuring your application goes to the right lender with the highest chance of approval.
48-Hour Fast Processing
We handle all paperwork, bank visits, and follow-ups on your behalf. Most loans are approved within 48 hours of complete document submission.
No Hidden Service Charges
Our service fee is transparent and discussed upfront. You know exactly what you're paying before we begin — no surprise deductions at disbursement.
Best Interest Rate Negotiation
As an established loan consultant, SubhNex negotiates better interest rates and terms for our clients — rates often unavailable through direct bank walk-ins.
End-to-End Support
From CIBIL check and application to disbursement and EMI setup — we handle everything. You focus on your needs, we handle the banking.
FAQ
Frequently Asked Questions
What is the minimum CIBIL score required for a loan?
Most banks require a minimum CIBIL score of 700-750 for personal and business loans. Home loans may be approved at 650+ but at higher interest rates. SubhNex checks your CIBIL score first and advises you on the best lender for your profile — we also help improve your score if needed.
Can I get a loan with a low CIBIL score?
Yes, in some cases. Certain NBFCs and digital lenders offer loans even with CIBIL scores below 650, but at higher interest rates. SubhNex assesses your complete profile — income, assets, existing obligations — and finds the best possible option for your situation.
How long does the loan approval process take?
Instant loans can be disbursed within hours. Personal loans typically take 1-3 working days after document submission. Home loans and business loans take 7-15 working days. SubhNex actively follows up with the bank to ensure the fastest possible turnaround.
What is Mudra Loan and who is eligible?
Mudra Loan is a government scheme under PM Mudra Yojana for non-farm micro enterprises. Any individual, proprietor, or small business can apply. There are three categories: Shishu (up to ₹50,000), Kishore (₹50,001 to ₹5 lakh), and Tarun (₹5,00,001 to ₹10 lakh). No collateral is required.
Does SubhNex charge any fee for loan processing?
SubhNex charges a transparent consultancy fee for loan assistance, which is discussed and agreed upon before we begin. There are no hidden charges. The bank/NBFC may also charge their standard processing fees separately, which we clearly communicate upfront.