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How Finansh works
What we do, what we charge, and what we will not do.
Finansh is an independent borrowing advisor for operating businesses. Former bankers assess the requirement, build the proposal, place it with lenders whose policy fits, negotiate the terms and stay accountable through disbursement and after. This page sets out how an engagement runs and the rules we hold ourselves to.
The engagement
Seven stages from the first call to the facility going live.
- First conversation
Call or WhatsApp · Free
What the money is for, how much, by when, and what you are hoping the lender will not ask for. We tell you on the call whether the requirement is one we take up.
- First review
One working day · Free
Financials, bank statements and existing sanctions read the way a credit desk would. You get the likely lenders, the likely structure, the dependencies, and a plain view on whether it is worth pursuing.
- Engagement letter
Before any work begins
Scope, the professional fee for execution and how it is triggered, and any lender arrangement that applies, set out in writing and agreed.
- Proposal
One to three weeks, depending on the requirement
CMA data, projections, the assessment and the security package prepared in the lender’s format, with every assumption documented for the risk rater.
- Placement and negotiation
Only with lenders you approve
The shortlist discussed with you; the proposal placed with the lenders you approve; pricing, collateral, covenants and conditions negotiated before sanction.
- Sanction to disbursement
Published mandates: 11 to 48 days from engagement
Credit queries answered, documentation and charge creation managed, sanction conditions closed, disbursement sequenced so limits are never interrupted.
- After the facility is live
No separate fee
Renewals, enhancements, statements and lender queries: we stay available for the facilities we arranged.
Fees and compensation
Advice is free. Execution is paid for once, from one source.
- Advice and review
- The first conversation, the first review and a review of your existing sanction letter carry no fee and no obligation.
- Execution fee
- A professional fee for executing a mandate, agreed in the engagement letter before work begins and payable only after the agreed facility is disbursed. No advances, retainers, application fees or recurring fees.
- One source per transaction
- For the same transaction Finansh is compensated by either the lender or the client, never both. Where a lender compensates Finansh, that is disclosed in the engagement letter and no client fee applies to that transaction.
- Lender and statutory charges
- Processing, legal, valuation, stamp duty, CERSAI, insurance and similar charges are paid by you directly to the lender, authority or provider. Finansh does not collect or retain them.
- Payments to Finansh
- Only into an account in the name of Better Finansh Solutions Private Limited, against an invoice. Nobody collects cash or payments on our behalf.
The rules we hold to
Eight things you can rely on.
- You deal with Finansh directly. No external sales agents, referral agents, sub-DSAs or outsourced fulfilment partners. A lender may describe Finansh as its channel partner under a direct written arrangement; that authorises nobody else to act for us.
- Your file goes only to lenders you approve. An enquiry or a website visit authorises nothing. We obtain your authority for each named lender before an application is submitted.
- We do not circulate proposals. Every lender approach is a bureau enquiry on your record. We make them deliberately.
- We do not take up distressed cases. No NPA or irregular accounts, no credit repair after a write-off, no start-ups without operating cash flows. A few days past due with a genuine reason is workable; poor-quality credit is not.
- We do not guarantee a sanction, a rate or a timeline. Lenders decide approval, pricing and terms. We change the probability by building the file for credit; we do not change who decides.
- We do not negotiate with your existing bank on your behalf. Where you have difficulties with your bank, we assess the position independently and show you the alternative.
- Our internal tools do not make credit decisions. They organise information and analysis; a team member reviews every material recommendation before you rely on it.
- We do not sell or rent your data. Information you share is used for the engagement and handled under our privacy policy.
Verification and complaints
If something feels unfamiliar, check with us first.
- Verify a contact
- Anyone claiming to represent Finansh can be verified at support@finansh.in or +91 87674 11297. Never share a password, PIN, CVV, UPI PIN or OTP with anyone, including us.
- Raise a concern
- Write to the Grievance Officer, Aman Agarwal, Head – Business Operations, at support@finansh.in with the subject line “Service Transparency Concern”. We acknowledge within 48 hours and resolve, or respond with reasons, within 30 calendar days.
- The binding terms
- This page describes how we work. The Website and General Service Terms and the Privacy Policy are the governing documents.
Start with clarity
Start with the first conversation.
Tell us what you are trying to finance. If it is not something we should take up, we will say so on the call.