What Is a Co-Lending Business Loan?
A Co-Lending Business Loan is a hybrid financing model where a bank and an NBFC jointly fund your business loan, often in a 80:20 or 75:25 ratio.
This allows businesses to access larger loans, better interest rates from banks, and faster processing from NBFCs—the best of both worlds.
Who Should Consider Co-Lending Loans?
MSMEs looking for high-ticket loans
Businesses with limited credit history
Entrepreneurs needing quick disbursal but lower interest
Startups with alternate cash flows
Traders needing working capital and term loan mix
Features of Vizzve Co-Lending Business Loan
| Feature | Details |
|---|---|
| Loan Amount | ₹1 Lakh to ₹5 Crore |
| Interest Rate | Starts at 9% p.a. |
| Repayment Tenure | 1 to 7 years |
| Loan Structure | Bank (80%) + NBFC (20%) |
| Processing Time | 3–7 business days |
| Collateral | Secured or partially secured |
| Credit Score Required | 650+ or alternate data acceptable |
Key Benefits of Co-Lending via Vizzve
✅ Higher loan eligibility due to joint risk underwriting
✅ NBFC speed + bank stability
✅ Tailored to MSMEs, Kirana stores, and small manufacturers
✅ Flexible credit assessments including GST, POS data, UPI flow
✅ Lower rejection risk than traditional standalone lenders
Documents Required
Business KYC
GST certificate or trade license
Bank statements (last 6–12 months)
PAN & Aadhaar
Income tax returns or alternate proofs
Existing loan or EMI details (if applicable)
Use Cases for Co-Lending Business Loans
Expanding retail or manufacturing unit
Buying machinery or equipment
Managing seasonal working capital needs
Digitizing business or tech upgrades
Repaying existing high-cost loans via refinance
Why Vizzve Finance?
📊 Smart matching with best-fit bank–NBFC combos
⚡ Instant approval check with minimal documentation
🧠 Alternative underwriting for thin-file businesses
🧾 Transparent charges, zero prepayment hidden traps
🌐 100% digital onboarding and repayment tracking
FAQs
Q1. Is co-lending only for large businesses?
No. Co-lending options are available for even ₹1 lakh loans. Vizzve supports MSMEs, traders, and even gig-based startups.
Q2. Who manages the loan account?
Vizzve acts as the digital service provider, while repayment is coordinated through both lending partners under RBI’s co-lending guidelines.
Q3. Can I get a loan with a previous rejection from a bank?
Yes. NBFCs in the co-lending model can offset stricter credit norms, improving your approval chances.
Q4. What’s the typical approval time?
3–7 working days, depending on documentation and loan ticket size.
Published on : 24th July
Published by : SMITA
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RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed