By Admin 05 Aug, 2025 32 Comments
Your CIBIL score is a reflection of your creditworthiness. It usually ranges between 300 and 900. A score above 750 is considered excellent. But if you fall below 650, traditional lenders may consider you a high-risk borrower.
Despite that, business lending loans today are evolving, and many new-age fintech platforms are willing to look beyond just your credit score.
Traditional banks may not be flexible, but fintech platforms like Moneyverss offer access to multiple business loan options from a variety of lenders. This improves your chances of finding a lender who considers additional factors, such as business revenue, cash flow, and collateral.
Adding a co-applicant or guarantor with a good credit score can significantly improve your chances of loan approval. This reduces the perceived risk for lenders.
Offering collateral like property, machinery, or inventory can help you qualify for a business loan, even if your CIBIL score is low. Lenders are more comfortable when there's a security involved.
If your business generates regular revenue, lenders might overlook a poor credit score. Maintain proper financial records, GST filings, and profit-loss statements to prove your business's financial health.
Smaller loans are easier to get approved and pose less risk to lenders. Start with a low amount and repay it on time to improve your credit profile for larger loans in the future.
Frequent loan rejections harm your credit score even more. With Moneyverss, you can check personalised loan offers and apply business loan based on eligibility without affecting your credit score.
At Moneyverss, we specialise in helping entrepreneurs like you overcome financial barriers. Here’s how we make your loan journey smoother:
Free CIBIL Score Check – Understand where you stand before applying.
Wide Range of Lending Products – Get instant comparisons across banks and NBFCs.
Personalised Loan Matching – Find the best-fit business loan even with a low CIBIL.
Expert Financial Guidance – Get consultation to improve your chances of approval.
Digital Transparency – Track your application and loan terms with complete clarity.
Even with a low score, being transparent about your needs can help you get a good deal. Interest rates may be slightly higher, but platforms like Moneyverss help you compare offers and negotiate better terms. You can use our Business Loan Calculator or Business Loan EMI Calculator to estimate monthly outflows and choose a plan that suits your business's cash flow.
Once your instant business loan is approved and disbursed, make it a priority to repay on time. Every EMI paid without delay boosts your creditworthiness. Over time, this improves your credit profile, allowing you to apply for larger and lower-interest business loans in the future.
A low CIBIL score might make getting a business loan challenging, but it’s not impossible, especially with the right platform. Moneyverss gives you the edge by combining technology, a wide lender network, and personalised consultancy.
Don’t let a poor credit score hold your dreams back. Whether you’re looking to expand your operations, manage cash flow, or invest in new equipment, explore business loans for your business through Moneyverss and take the first confident step toward financial growth.
Ready to leap?
Check your CIBIL score for free, compare loans, and apply business loan instantly on Moneyverss today.
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Mar 03, 2023 09:01 am
I had no idea that consolidating my student loans could simplify my repayment and potentially lower my monthly payments. This article has given me a new perspective on managing my loans. I'll definitely look into consolidation options. Thank you
Cameron Williamson
Actress
Mar 03, 2023 09:01 am
The idea of having a fixed interest rate through loan consolidation is so appealing. It offers stability and eliminates the worry of interest rate fluctuations. I'm seriously considering consolidating my student loans now. Great article!
Eleanor Pena
Entrepreneur
Mar 03, 2023 09:01 am
I wish I had known about loan consolidation earlier. It would have saved me so much stress and confusion. I appreciate the detailed explanation of the benefits in this article. It's never too late to consider consolidation, and I'm definitely going to explore my options.
Kristin Watson
Public figure