Question 1

How can I check my business loan eligibility before applying?

Accepted Answer

Upload your bank statement PDF on Credilo (or via the free WhatsApp check). We analyse 12 months of transactions, optionally pull your GST data, and give you a loan readiness score out of 100 with matched lenders — in about 2 minutes, before you file a single application.

Question 2

What documents are needed for a business loan in India?

Accepted Answer

Most Indian lenders ask for a 6–12 month bank statement, GST returns, PAN and Aadhaar (KYC), ITR for 1–2 years, and business registration proof. Credilo auto-detects all of these from a single ZIP upload and tells you exactly which ones are missing for your target lender.

Question 3

Is Credilo a lender or loan aggregator?

Accepted Answer

Neither. Credilo does not disburse loans, charge commissions, or sell your file to lenders. We analyse your documents and show you how lenders will read your profile — so you apply only where you're likely to be approved.

Question 4

What is a loan readiness score?

Accepted Answer

A loan readiness score is a 0–100 measure of how prepared a business is for a loan application, computed from bank statement health (turnover, balances, bounces, EMI load), GST compliance, KYC consistency, and document completeness — the same signals lenders check.

Question 5

How much does Credilo cost for DSAs, CAs, and advisors?

Accepted Answer

Partners can try one readiness report for ₹49, use DSA Pro at ₹2,499/month for 100 reports, or choose an Enterprise plan by talking to Credilo for custom volume and team onboarding. Business owners get a free WhatsApp readiness check.

Question 6

Is the readiness check free for business owners?

Accepted Answer

Yes. Business owners can check their own loan readiness free on WhatsApp. Paid plans exist only for DSAs, CAs, and financial advisors managing multiple client files.

Question 7

Do you store my KYC documents?

Accepted Answer

PAN and Aadhaar are used only for matching and verification within your own case. They are encrypted, never used for marketing or cold outreach, and never shared without your permission.

Question 8

Which banks does Credilo support?

Accepted Answer

20+ Indian banks including HDFC, SBI, ICICI, Axis, Kotak, PNB, Canara, Bank of Baroda, IndusInd, and Yes Bank. Password-protected and scanned statement PDFs are supported with fallbacks.

Business loan readiness guides