Zero rejection, only approval
Credit Repair Pan India.
Loan Advisory in Your Metro
City.
Expert guidance for credit repair, debt management, and smart financing backed by a network of 50+ banks and NBFCs across India.
Credit Repair & CIBIL Score Improvement: available Pan India.
Debt Consolidation, Personal, Business, Home, Education Loan Advisory: currently Available only in metro
cities — Bengaluru, Mumbai, Delhi NCR, Chennai, Hyderabad, Pune, and Kolkata.
- Zero hidden charges
- 100% confidential
- Quick turnaround
- End-to-end support
WHAT WE DO
Our financial services
Comprehensive solutions tailored to your credit health, funding
needs, and long-term financial goals.
🛠️ Credit & CMR Repair
Rebuild your credit profile and improve loan eligibility
Credit Report Analysis
In-depth review of your CIBIL/Experian report to pinpoint exactly what's dragging your score down and build a targeted action plan.
Written-Off Account Removal
We work with lenders and bureaus to get written-off accounts corrected or removed, so they stop pulling your score down.
Settled / Suit-Filed Account Removal
We help clear or upgrade settled account tags on your report, since "settled" status can hurt future loan eligibility more than paying in full.
Score Improvement to 710+
A structured plan dispute resolution, utilization fixes, and credit-mix guidance to push your score past the 710 mark lenders look for.
Commercial CIBIL Repair
CMR 5–6: Good | Above 6: Requires Attention. We helps MSMEs identify issues affecting their CMR (CIBIL Commercial) rating through detailed analysis and lender follow-ups, facilitating eligible corrections and resolutions to strengthen their business credit profile.
💳 Debt Consolidation Loans
Simplify your repayments and reduce financial stress
Secured Debt Consolidation
Backed by property. Covers the widest range of liabilities, including payday loans.
Eligibility:
- >> Must own a property to secure the loan against
- >> Minimum monthly salary: ₹50,000+
- >> 0 cheque/NACH bounces in the last 6 months
Normal (Unsecured) Debt Consolidation
No property required. Based on income and repayment track record.
Eligibility:
- >> Minimum monthly salary: ₹50,000+
- >> 0 cheque/NACH bounces in the last 6 months
💼 Personal Loan & Business Loan
Funding solutions for salaried professionals, self-employed individuals, and businesses of all sizes
Personal Loan
Quick, collateral-free funding for salaried and self-employed individuals: medical, travel, home renovation, or any personal need.
Working Capital Loan
Short-term funding to manage day-to-day operations, cover payroll, purchase inventory, or bridge receivable gaps.
Overdraft (OD) & Cash Credit (CC)
Flexible revolving credit facilities that let your business draw funds as needed, ideal for fluctuating monthly requirements.
Secured Business Loan
Higher-value funding backed by business or personal assets. Lower interest rates and larger sanction amounts for established businesses.
Unsecured Business Loan
Fast, collateral-free business funding based on turnover and financials, ideal for MSMEs and startups needing quick capital.
Machinery & Equipment Finance
Dedicated funding for purchasing machinery, equipment, or technology assets, structured around your asset's productive life.
🏡 Home Loan & Loan Against Property (LAP)
Property-backed financing for your biggest life goals
Home Purchase Loan
End-to-end assistance for buying a new or resale property. We compare offers from 50+ banks and NBFCs to get you the best rate.
Home Loan Balance Transfer
Already have a home loan? Switch to a lower interest rate lender and save significantly on your total repayment amount.
Loan Against Property (LAP)
Unlock the value of your residential or commercial property for business expansion, debt consolidation, or any major requirement.
Home Construction & Renovation Loan
Funding for building your home from the ground up or for major renovation projects, disbursed in stages.
🎓 Education Loan for India & Abroad
Funding your academic ambitions, applications processed in metro cities
Domestic Education Loan
Funding for undergraduate, postgraduate, and professional courses at institutions across India, with full documentation support.
International Education Loan
Study abroad at top universities in the USA, UK, Canada, Australia, or Europe, with visa-compliant loans and faster approvals.
Secured & Unsecured Options
Both collateral-backed and collateral-free education loans available, matched to the right product for your institution and amount.
Our founder
Meet Swastika Biswas
Founder & Director | Shivafinz Loan & Credit Expert | Sales & Revenue Strategist | Business Growth Advisor
With over 15 years of experience across BFSI, FinTech, EdTech, and Sales Leadership, Swastika Biswas has helped thousands of individuals, entrepreneurs, MSMEs, and corporates make informed financial decisions while driving sustainable business growth.
She has worked with leading organizations including ICICI Bank, Tata Capital, IndiaMART, Unacademy, Aviva Insurance, HerKey, and OTO Capital, gaining deep expertise in lending, revenue strategy, business development, and financial consulting.
As the Founder & Director of Shivafinz, she leads a team focused on credit repair, debt consolidation, business funding, home loans, personal loans, education loans, and structured lending solutions through an extensive network of banking and NBFC partners.
Her philosophy is simple:
“Zero Rejection. Only Approval.”
Beyond lending, Swastika actively mentors founders, startups, and sales teams on revenue growth, customer acquisition, channel partnerships, and scalable business strategies.
THE PROCESS
How it Works
From your first call to loan disbursal, a simple, guided journey.
Free Consultation
Tell us your goal. We assess your profile and recommend the best route forward.
Document Review
We guide you through every document required no guesswork, no back-and-forth.
Lender Matching
We compare offers from 50+ banks and NBFCs to find the best rate for your profile.
Application & Disbursal
We manage the application end-to-end until funds are in your account.
Why choose us
The Shivafinz Advantage
We do more than match you to a loan, we fix your financial foundation first.
5-star Google rated
210+ satisfied customers across India have rated us 5 stars for transparency, speed, and results.
50+ bank & NBFC partners
Access to a wide network of lenders means competitive rates and the highest approval chances.
₹360 Crore+ disbursed
A proven track record across credit repair, personal, business, and property finance.
Credit-first approach
We improve your credit profile before applying, so you get the best possible rate.
End-to-end handling
From consultation to disbursal, we manage paperwork, follow-ups, and negotiations for you.
Confidential & transparent
Your financial information is handled with complete confidentiality. No hidden fees, ever.
Our Lending Partners
Our B2B Partners
WHERE WE OPERATE
Our service coverage across India
Credit Repair & CMR rating Improvement is available to customers anywhere in India. Loan advisory services (personal, business, home, education loans) are currently available in the following metro cities, with more cities being added soon.
COMMON QUESTIONS
Frequently asked questions
Answers to what customers most often ask about credit repair and loan services with Shivafinz.
Answers to what customers most often ask about credit
repair and loan services with Shivafinz.
Is credit repair available outside metro cities?
Yes. Our credit repair and CIBIL score improvement service is available Pan India, including tier 2 and tier 3 cities, since it is handled remotely through documentation and lender coordination.
Which cities do you currently offer loan advisory in?
Personal loans, business loans, home loans, loan against property, education loans, and CPL loans are currently facilitated only in Bengaluru, Mumbai, Delhi NCR, Chennai, Hyderabad, Pune, and Kolkata. We are working to expand to more cities soon.
How long does CIBIL score improvement typically take?
Most clients see measurable improvement in their CIBIL score within 60 to 90 days, depending on the nature of the discrepancies and how quickly the credit bureaus process disputes.
Do you charge for the initial consultation?
No. The first consultation, whether for credit repair or loan advisory, is completely free with no obligation to proceed.
What is the minimum CIBIL score required for a personal or business loan?
Most lenders in our network prefer a CIBIL score of 700 or above for personal and business loans. If your score is lower, we can first help repair it before applying, improving your approval chances and interest rate.
How many banks and NBFCs does Shivafinz work with?
We have an active partner network of 50+ banks and NBFCs across India, allowing us to compare multiple offers and find the most competitive rate for your specific profile.
Ready to take the first step?
Book a free, no-obligation consultation. We’ll review your
profile and tell you exactly where you stand.