Question 1

Who is eligible to apply through FinAmigo?

Accepted Answer

SME owners, self-employed professionals such as doctors, chartered accountants and company secretaries, salaried individuals and home buyers can all apply. Every lender has its own income, turnover and credit-score criteria, so we first map your profile to the lenders most likely to approve it.

Question 2

What documents will I need?

Accepted Answer

It depends on the loan type. In general: identity and address proof (PAN, Aadhaar), latest income proof such as ITRs, bank statements, salary slips or audited financials, and property papers for secured loans. Your advisor shares a precise checklist after the first call.

Question 3

How long does the process take?

Accepted Answer

A complete application with clean paperwork typically moves faster than a direct branch application because files are pre-checked before submission. Actual timelines vary by lender, loan type and verification requirements.

Question 4

What is a CGTMSE scheme loan?

Accepted Answer

CGTMSE is a Government of India trust that guarantees collateral-free credit for micro and small enterprises. The guarantee cover lets lenders fund MSMEs that may not have property to mortgage. We help you check eligibility and apply under the scheme.

Question 5

Do you charge any fees?

Accepted Answer

We are compensated by our partner lenders as their Direct Selling Agent. Our advisory, comparison and application support come at no cost to you. Any statutory or lender-side charges are always disclosed to you in writing before you proceed.

Question 6

Does checking my eligibility affect my credit score?

Accepted Answer

A soft self-assessment does not affect your score. We share your details with lenders only after you approve the application, so there are no surprise hard enquiries on your credit report.