NKB Kredit Solution Pvt. Ltd.
Institutional-Grade Business Funding Advisory
We advise, structure, and facilitate complex business funding mandates through banks and financial institutions — focused on scalable growth, working capital optimisation, and property-backed financing.
Designed for established businesses with ₹1 Cr+ turnover.
25+ years of lending and funding advisory experience across India.
Apply for business funding
Who We Are
NKB Kredit is a specialized business funding advisory helping established enterprises raise structured financing from banks and financial institutions across India.
With 25+ years of industry experience, we provide advisory-led funding solutions, including working capital, MSME loans, machinery finance, unsecured business loans, and LAP—structured to align with lender policies and business cash flows.
Our focus is simple: right structure, right lender, right terms—so businesses grow without financial friction.
Why Choose Us
25+ Years of Industry Experience
Decades of hands-on experience in structuring and facilitating business funding through leading banks and financial institutions across India.
Structured & Transparent Funding Process
A clearly defined advisory-led process focused on eligibility alignment, correct documentation, and lender-ready submissions — ensuring speed without compromise.
Comprehensive Business Funding Solutions
Expertise across MSME loans, working capital facilities, unsecured business loans, machinery finance, and loan against property (LAP).
Strong Network of Banks & Financial Institutions
Established relationships with multiple banks and financial institutions enable better lender matching, competitive terms, and smoother negotiations.
Tailored Funding Structures
Every loan is structured based on business financials, cash flows, industry profile, and long-term repayment capacity — not generic eligibility checks.
Trusted by 1,000+ Businesses Nationwide
A growing base of satisfied clients across India who rely on NKB Kredit for reliable funding advisory and long-term financial support.
Services We Provide
WC & Cash Credit Facilities
Advisory-led working capital solutions that enhance cash flow, optimize operating cycles, strengthen liquidity, and enable sustainable, scalable growth for established businesses.
Secured Business Loans
Loan against property and other secured funding solutions structured to optimise tenure, interest cost, and repayment flexibility.
Unsecured Business Loans
Collateral-free business loans structured based on financials, cash flows, and banking eligibility rather than generic criteria.
Equity Capital
High-level advisory support for businesses exploring equity infusion, private placements, or SME IPO readiness — focused on structure, documentation, and financial positioning.
Subsidised funding on machinery
Advisory and facilitation for machinery loans, including govt-backed subsidies where applicable, to support capacity expansion and technology upgrades.
Solar Panel & Renewable Energy Funding
Structured funding support for rooftop and industrial solar projects, including subsidy-linked financing and bank/financial institution coordination.
Chat with our CEO
Please feel free to contact. You can ask anything about secured and unsecured loan, business loan, working capital loan, vendor financing, and equity funding.
How efficient working capital management creates wonders?
Here is how efficient working capital management creates wonders for the stakeholders as well as the organization’s performance in front of investors/lenders. Below, three scenarios can brilliantly explain the importance of the right mix of debt and equity in similar business operations and business funds.
100% Capital
100% funds are invested by Business Owners
Annual Return 60%
Total earning is Rs.60 lakhs for owners on the investment of Rs. 1 crore i.e. ROI is 60% p.a.
50% Capital & 50% Debt @15% p.a.
Rs 50 Lakhs are borrowed @15% p.a. & owners’ capital is also 50 lakhs
Annual Return is 105%
Interest payment will be Rs. 7.50 lakhs on 50 lakhs borrowed funds & Balance profit Rs 52.50 lakhs is for owners i.e. ROI is 105% .
25% Capital & 75% Debt @15% p.a.
Rs. 75 Lakhs funds borrowed for Business @15% p.a. & remaining 25 lakhs invested by owners in the Business
Annual Return is 195%
Interest payment Rs 11.25 lakhs on Rs.75 lakh borrowed funds & rest profit is Rs 48.75 lakhs for owners on their investment of Rs 25 lakh, which translates into whopping 195% ROI from Business.
OUR PROCESS
A structured, advisory-led approach to business funding.
Business & Funding Assessment
We begin with a senior-led review of your business model, financials, cash flows, and long-term objectives to determine realistic funding capacity and avoid misaligned or high-risk borrowing.
Funding Structure & Eligibility Alignment
Your funding is structured to match business cash cycles and lender eligibility, whether through working capital, secured facilities, or asset-backed funding—ensuring sustainability beyond disbursement.
Lender Mapping & Documentation Support
Relevant banks and financial institutions are carefully shortlisted, and documentation is aligned to meet institutional credit expectations and reduce approval friction.
Lender Coordination & Negotiation
We coordinate with banks and NBFCs to drive approvals, negotiate commercial terms, and improve overall cost of capital, while maintaining transparency throughout the process.
Post-Disbursement Compliance Support
Our engagement continues beyond disbursement, supporting post-funding compliance, reporting, and lender follow-ups to ensure long-term banking stability.
Case Studies
OUR MILESTONES
Years of Experience
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Banks & Financial Institutions We Work With
Real experiences. Real outcomes.
Based on 44 reviews
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I liked their professional approach and their deep expertise in working capital loan. Highly recommend if you are seeking working capital loan
It felt like they were more interested in helping me grow my business than just giving a loan. I got advice on how to structure the EMI to suit my seasonal income. Real guidance.
Response from the owner 04:30 05 Aug 25
Thanks Sharma Ji, for your appreciating words.... Look forward to serve you again...
I applied for a loan against property and had a few doubts. The person I spoke to patiently answered everything and even arranged a revaluation to get me better terms.
Response from the owner 04:32 05 Aug 25
Dear Mr. Ratan, we always tried to achieve fair and workable results.... Thanks for recognising our work....
My business partner recommended NKB Kredit, and I can see why. Their consultant didn’t rush me into decisions, instead he offered pros and cons of every option. Highly knowledgeable.
Very well-structured process. They explained everything step by step, helped arrange missing documents too. I got funds in hand within 10-15 working days. Smoothest loan experience I’ve had.
Response from the owner 09:06 28 Jun 25
Thanks Anjali Ji for your encouraging words... Will look forward to serve you again...
I had been rejected by a few banks due to my past loan delays, but the backend team at NKB Kredit somehow found me a lender who was willing to consider my case. Grateful for their effort.
Response from the owner 09:09 28 Jun 25
Thanks, Sumit, for recognizing our team's efforts — it means a lot to us!!
Spoke to someone from their advisory team who genuinely tried to understand what I was looking for. Helped me choose between a secured and unsecured option. No pressure, just helpful insight.
Response from the owner 13:29 26 Jun 25
Thanks for your appreciating words Ayush ji...
I went to NKB Kredit with very little hope of getting approved due to my complex loan history. But Naresh Bansal and his expert team took time to assess my situation and came back with solutions I hadn’t even considered. I’m grateful for the support!
Response from the owner 13:30 26 Jun 25
Thanx Ajay...
I didn’t expect such fast response and disbursal. The person handling my file kept me updated throughout. Felt very professional and efficient.
Response from the owner 13:35 26 Jun 25
Thanx brother for your appreciation.... We look forward to serve you again...
Mr. Naresh Bansal and his team have created a fantastic ecosystem for startups like mine. I didn’t just get loan options — I got honest advice. They weren’t pushing for just any loan, they actually cared about what was sustainable for my business.
Response from the owner 03:44 27 Jun 25
Thanks Mr Jay for your appreciative words... Looking forward to serve you again...Speak With a Business Funding Advisor
Looking to raise funds for your business?
Share your details and our advisory team will connect with you within 1–2 business days to understand your requirements and guide you on the most suitable funding options. Whether you need working capital, secured or unsecured business loans, we’re here to help you move forward with clarity.
Frequently Asked Questions (FAQs)
Is NKB Kredit a bank or NBFC?
No. NKB Kredit Solutions Pvt. Ltd. is not a bank or NBFC. We are a financial consultancy that assists businesses in preparing bank-ready proposals and facilitating loans through RBI-regulated banks and NBFCs, subject to lender policies and approval.
How does NKB Kredit help in loan approval?
We improve approval outcomes by:
- Structuring bank-compliant financial proposals
- Aligning cash flows with lender assessment models
- Selecting the right lender based on your industry and profile
- Handling end-to-end coordination until disbursement
Our role is advisory and facilitative — not transactional.
What types of business loans can you assist with?
We assist with:
- Working Capital (Cash Credit / OD)
- Term Loans for expansion
- Loan Against Property (LAP)
- MSME & business loans
- Machinery & equipment loans
(Final sanction depends on lender eligibility and credit norms.)
How are interest rates decided?
Interest rates are determined by:
- Lender’s internal credit policy
- Business financial strength
- Industry risk profile
- Collateral (if any)
- Credit history and repayment capacity
We actively negotiate for competitive rates once eligibility is established.
Why choose NKB Kredit over direct bank approach?
Businesses choose us because:
- Banks evaluate numbers — we present stories behind numbers
- Faster movement due to correct lender mapping
- Reduced rejection risk
- Professional handling of credit discussions
We bridge the gap between business reality and bank expectations.