Funding, and the paperwork behind it.
Typically 25 to 45 days from a complete file to disbursement.
Most rejected loan files are not rejected on the numbers. They are rejected because something was missing, something contradicted something else, or nobody followed up when the file went quiet at the branch. That is the work here: assembling a file that answers the questions before they are asked, and then not letting go of it.
The same desk runs the GST and tax compliance, which matters more than it sounds. A lender reads your returns. When the filings and the loan file are prepared by the same people, the story they tell matches — and a file whose numbers agree with the record gets a decision faster.
- 25–45 days
- Complete file to disbursement
- We file it
- Claim documentation prepared, not handed back
Everything below is delivered.
Not a menu of things we could look into. Each one is scoped, priced and handed over.
Business loans
Working capital, term loans and machinery finance. We work out what the books will actually support before approaching anyone, so the first conversation with a lender is not the one that kills the file.
Loan against property
Secured lending against residential or commercial property. Valuation, title papers and the legal file prepared properly, because this is where these applications stall.
Life & health cover
Cover sized against what the household or the business would actually need, not against what is easiest to sell. We walk you through the exclusions before you sign, not after a claim.
Vehicle & travel cover
Commercial and personal vehicle policies, and travel cover. Renewals tracked so a policy does not lapse quietly between years.
Claim documentation
The part most intermediaries hand back to you. We assemble the claim file, submit it and follow it. A policy you cannot claim on was never cover.
CIBIL improvement
Reading the report properly, disputing what is wrong on it, and sequencing the fixes. Slow, unglamorous, and the single thing that moves a rejected file to an approved one.
Loans
A lender is deciding one thing: whether this business can carry this repayment for this long. Everything in the file exists to answer that. We build it in the order the credit team reads it — the numbers, the record behind the numbers, then the security — and we keep it consistent with the returns already filed.
- Eligibility worked out against the books before anyone is approached
- Bank statements, returns and GST filings reconciled to each other
- Property valuation and title work handled for secured files
- The lender followed until a decision, not until submission
Insurance
Two questions decide whether a policy was worth buying, and both are asked before you buy: how much cover, and what is excluded. We size the cover against what would actually have to be replaced or repaid, read the exclusions with you, and keep the claim documentation on our side of the table.
- Cover sized against liabilities and dependants, not against the premium
- Exclusions and waiting periods read out before signing
- Renewals tracked so nothing lapses between years
- Claim file assembled, submitted and followed by us
Four steps, no mystery.
Read the position
Books, returns, existing borrowings and the credit report. We tell you what is realistic before you spend a month on an application that was never going to clear.
Fix what blocks it
The disputed entry on the report, the missing return, the mismatch between the statements and the filings. This is where the time goes, and where the outcome is decided.
Build and present the file
Assembled once, properly, and presented to the lenders whose criteria it actually fits rather than to all of them at once.
Stay on it
Queries answered the same day, the file chased until there is a decision. Most files that die, die of silence.
Zesst Now Services Private Limited facilitates loan and insurance applications and documentation with banks, NBFCs and insurers. We are not a lender or an insurer and do not accept deposits. Sanction, rate, terms, and acceptance of any claim rest entirely with the lending or insuring institution. Insurance is a subject matter of solicitation.
Before you write to us.
No. Zesst Now is not a lender or an NBFC, does not accept deposits, and does not decide your application. We prepare and present the file to banks and NBFCs — sanction, rate and terms rest entirely with them.
No. It is the standard reducing-balance formula every lender uses, run on numbers you type in. It is arithmetic, and it is useful for comparing scenarios — but your actual rate, tenure, processing fee and insurance are set by the lender in the sanction letter, and that letter is the only figure that binds anyone.
Because a premium cannot honestly be calculated without underwriting — age, medical history, occupation, sum assured and the insurer's own table all move it, and a number produced without them is a guess wearing a decimal point. The tool on this page estimates how much cover is needed, which is the question you can answer before an insurer is involved. The premium comes from the insurer's illustration.
A fee for preparing and running the file, agreed in writing before we start. Where an insurer or lender pays a commission on a product, we tell you that it does. What we do not do is take a fee and stay quiet about a commission on the same transaction.
Often, but not immediately and not at the same lender. A rejection has a reason, and applying again before it is fixed adds another enquiry to your report and makes the next one harder. Let us read the file first — sometimes the fix is six weeks, and sometimes we will tell you it is a year.
Twenty-five to forty-five days from a complete file to disbursement is what we see, and the words doing the work in that sentence are 'complete file'. Getting to complete is usually the longer half, and it is mostly in your hands — documents we ask for, produced quickly.
Not what you came for?
Agents that finish the job.
Not a chatbot bolted onto a website.
PRODUCT ENGINEERINGSoftware you own outright.
From a blank repository to a product in production.
ONLINE RETAILA store that invoices correctly.
Anyone can put a catalogue online. The hard part starts at checkout.
DEMAND & PIPELINECustomers in the pipeline, not impressions bought.
Traffic is only worth what it converts.
Tell us what you're building.
A short note is enough. We'll come back with what it would take, what it would cost and whether we're the right people for it.
Osa Road, Manjhanpur,
Kaushambi, Uttar Pradesh – 212207