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Frequently Asked Questions
We combine industry experience with technology to deliver tailored financial solutions that are simple, transparent, and efficient. Our multidisciplinary team—bankers, analysts and technologists—works closely with each client to build plans that match short‑ and long‑term goals.
- Personalised underwriting: Solutions based on your cashflows and objectives.
- Fast turnaround: Streamlined digital onboarding and quick decisioning.
- Competitive terms: Leverage our partnerships with banks and NBFCs for better pricing.
- Dedicated support: A single point of contact throughout the lifecycle.
Ready to explore options? Contact us or call our support team for a free consultation.
FinAxis is a financial services company that provides tailored financial solutions for individuals and businesses. We are trusted partners with banks and NBFCs, offering a range of services including working capital loans, retail loans, wealth management, insurance, and FLDG (First Loss Default Guarantee).Working capital finance refers to short-term funding solutions designed to help businesses manage their day-to-day operational expenses and maintain liquidity. This type of financing is essential for covering costs such as payroll, inventory purchases, rent, and utilities, especially during periods of fluctuating cash flow.
Common forms of working capital finance include:
- Lines of Credit: Flexible borrowing options that allow businesses to draw funds as needed up to a predetermined limit.
- Short-term Loans: Lump-sum loans with fixed repayment terms, typically ranging from a few months to a year.
- Invoice Financing: Borrowing against outstanding invoices to improve cash flow while waiting for customer payments.
- Trade Credit: Arrangements with suppliers to delay payment for goods or services, effectively providing short-term financing.
Working capital finance helps businesses maintain smooth operations, seize growth opportunities, and navigate seasonal fluctuations or unexpected expenses. It is a critical component of financial management for companies of all sizes and industries.
Wealth management offers several benefits to individuals and families looking to grow, protect, and transfer their wealth effectively. Key advantages include:
- Personalized Financial Planning: Tailored strategies that align with your unique goals, risk tolerance, and time horizon.
- Comprehensive Services: Access to a wide range of financial services including investment management, tax planning, estate planning, retirement planning, and insurance solutions.
- Professional Expertise: Guidance from experienced financial advisors who stay informed about market trends, regulatory changes, and investment opportunities.
- Diversification: Strategies to spread risk across various asset classes and investment vehicles to enhance returns while minimizing potential losses.
- Tax Efficiency: Techniques to optimize your investment portfolio and financial decisions in a tax-efficient manner, potentially reducing your overall tax burden.
- Legacy Planning: Assistance with estate planning to ensure your wealth is transferred according to your wishes while minimizing estate taxes and legal complications.
- Peace of Mind: Confidence that your financial affairs are being managed proactively and professionally, allowing you to focus on other aspects of your life.
Overall, wealth management helps individuals and families achieve their financial objectives while navigating the complexities of wealth accumulation and preservation.
Obtaining a business loan typically involves several key steps:
- Assess Your Needs: Determine the amount of funding required and the purpose of the loan (e.g., working capital, equipment purchase, expansion).
- Check Your Creditworthiness: Review your business credit score and financial statements to ensure you meet lender requirements.
- Research Lenders: Identify potential lenders such as banks, credit unions, online lenders, or alternative financing options that offer business loans.
- Prepare Documentation: Gather necessary documents including business plans, financial statements (income statement, balance sheet, cash flow statement), tax returns, bank statements, and legal documents (business licenses, articles of incorporation).
- Submit Application: Complete the loan application form provided by the lender, ensuring all information is accurate and complete.
- Lender Review: The lender will evaluate your application, review your financial health, and may conduct a credit check. They may also request additional information or documentation.
- Loan Approval: If approved, the lender will present you with a loan offer outlining the terms and conditions, including interest rates, repayment schedule, and any fees.
- Review Terms: Carefully review the loan agreement to ensure you understand all terms and obligations before signing.
- Disbursement of Funds: Once the agreement is signed, the lender will disburse the loan funds to your business account.
- Repayment: Begin making repayments according to the agreed-upon schedule. Maintain communication with your lender if you encounter any difficulties in repayment.
The process may vary depending on the lender and type of loan. It’s advisable to seek professional advice or consult with a financial advisor to ensure you choose the best financing option for your business needs.
Insurance is important for several reasons:
- Risk Management: Insurance helps businesses manage risks by providing financial protection against unforeseen events such as accidents, natural disasters, or legal liabilities.
- Business Continuity: With the right insurance coverage, businesses can recover more quickly from setbacks, ensuring continuity of operations and minimizing financial losses.
- Legal Compliance: Certain types of insurance are legally required for businesses, such as workers' compensation and liability insurance, helping them comply with regulations.
- Credibility and Trust: Having insurance coverage can enhance a business's credibility with clients, partners, and investors, demonstrating a commitment to risk management.
- Peace of Mind: Insurance provides peace of mind for business owners, knowing they have a safety net in place to protect their assets and investments.
Here are some common types of insurance that businesses typically offer:
- General Liability Insurance: Protects against claims of bodily injury, property damage, and personal injury.
- Property Insurance: Covers damage to business property due to events like fire, theft, or natural disasters.
- Workers' Compensation Insurance: Provides coverage for medical expenses and lost wages for employees injured on the job.
- Professional Liability Insurance (Errors & Omissions): Protects against claims of negligence or mistakes in professional services.
- Business Interruption Insurance: Covers lost income and operating expenses if a business is temporarily unable to operate due to a covered event.
- Commercial Auto Insurance: Provides coverage for vehicles used for business purposes.
- Cyber Liability Insurance: Protects against data breaches and cyberattacks that compromise sensitive information.
- Directors and Officers (D&O) Insurance: Protects company leaders from personal losses due to legal actions related to their decisions and actions.
Choosing the right investment involves several key considerations:
- Investment Goals: Define your financial goals (e.g., retirement, education, wealth accumulation).
- Risk Tolerance: Assess your comfort level with risk and potential losses.
- Time Horizon: Consider how long you plan to invest before needing the funds.
- Diversification: Spread investments across asset classes to reduce risk.
- Research: Investigate potential investments thoroughly before committing.
Improving your credit score involves several strategies:
- Pay Bills on Time: Consistently pay all bills by their due dates.
- Reduce Debt: Lower your credit card balances and overall debt levels.
- Avoid New Credit Applications: Limit the number of new credit inquiries.
- Check Credit Reports: Regularly review your credit reports for errors and dispute inaccuracies.
- Maintain Old Accounts: Keep older credit accounts open to benefit from a longer credit history.
Mutual funds are investment vehicles that pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other securities. They are managed by professional fund managers who make investment decisions on behalf of the investors. Mutual funds offer several benefits, including diversification, professional management, liquidity, and accessibility for individual investors.
Key points to consider when evaluating mutual funds:
- Types: Equity (growth), Debt (income), Hybrid (balanced), index/ETFs, and Sector/Thematic funds.
- Benefits: Professional management, instant diversification, liquidity, and suitability for small investors.
- Costs: Expense ratio and any exit/load fees reduce net returns — compare funds on a cost‑adjusted basis.
- Risks: Market risk for equity funds, interest‑rate and credit risk for debt funds. Past performance is not a guarantee of future returns.
- How to invest: Choose between Direct (lower fees) and Regular plans, and consider Systematic Investment Plans (SIPs) for disciplined investing.
- Taxation: Tax treatment depends on fund type and holding period (capital gains rules vary by jurisdiction).
If you'd like help choosing a fund or setting up an investment plan, contact our advisors for personalized guidance or start an investment online.
Apply online or via a representative. To apply online, click Apply Now and complete the secure application. To speak with an advisor, call +919326522790 or use our contact form.
- Quick pre-check: Provide basic details (PAN, Aadhaar, income) for eligibility assessment.
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Submit documents:
- Identity (PAN / Aadhaar)
- Address proof (utility bill / Aadhaar)
- Income proof (bank statements / salary slips)
- Business documents (if applicable): GST certificate, ITR, balance sheet
- Verification & approval: Digital KYC and credit checks are performed. Most applications are reviewed within 24–72 hours.
- Disbursement: After approval and signed documentation, funds are typically disbursed within 1–3 business days.
Need assistance during the application? Use the on-page chat, call +91 99877 77795, or schedule a free consultation via Calendly.
Note: Exact document requirements and timelines depend on the selected product and credit profile. A FinAxis advisor will confirm details after the initial pre-check.
You can apply for a loan with FinAxis by visiting our website and filling out the online application form. Alternatively, you can contact our customer service team for assistance with the application process.Our product suite is designed for individuals and businesses at different stages. Key offerings include:
- Working Capital Loans: Short-term lines and term loans to manage day-to-day liquidity, seasonal needs, or inventory financing. Typical tenures: 3–24 months.
- Retail & Personal Loans: Consumer loans for salaried and self‑employed individuals with simplified documentation and fast decisions.
- SME Term Loans: Medium‑term funding for growth, expansion, or capex. Structures and covenants tailored to business cashflows.
- Invoice Discounting & Supply‑Chain Finance: Improve receivables conversion and supplier payment terms using invoice‑level financing.
- Equipment & Asset Finance: Finance for machinery, vehicles, or IT equipment with loan schedules matched to asset useful life.
- FLDG / Credit Enhancement Solutions: First‑Loss Default Guarantee products to improve access to cheaper funding via partner banks/NBFCs.
Features common across products:
- Custom underwriting based on cashflow analysis and business metrics.
- Competitive pricing through partner network of banks and NBFCs.
- Fast digital onboarding and dedicated relationship support.
To explore the right product for you, apply online or contact an advisor for a free consultation.
FinAxis offers a variety of loan products including working capital loans, retail loans, and specialized financing options such as FLDG (First Loss Default Guarantee). We work closely with our banking partners to provide competitive rates and flexible terms.We follow industry best practices and regulatory requirements to keep client data safe. Our security program includes:
- Encryption: Transport Layer Security (TLS) for data in transit and strong encryption (AES-256 or equivalent) for data at rest.
- Access Controls: Role‑based access, least‑privilege policies and multi‑factor authentication for all privileged accounts.
- Monitoring & Logging: Continuous monitoring, centralized logging and alerting to detect suspicious activity in real time.
- Vulnerability Management: Regular patching, automated scans, and periodic third‑party penetration tests and code reviews.
- Data Minimization & Privacy: We collect only what is necessary, restrict retention periods, and anonymize or pseudonymize data where possible.
- Incident Response & Recovery: A documented incident response plan, backups, and disaster recovery procedures to restore services quickly and notify affected parties when required.
All third‑party vendors are evaluated against our security standards and contractual requirements to ensure end‑to‑end protection of client information.
At FinAxis, we prioritize the security of our clients' data. We implement robust security measures including encryption, secure access controls, and regular security audits to protect sensitive information.Typical documents include identity proof (PAN/Aadhaar), business registration, recent bank statements, GST returns (if applicable), income tax returns, and financial statements. Specific requirements vary by product and lender.
Pre-checks and basic approvals can take 24–72 hours. Full underwriting and documentation typically complete within 3–7 business days, with disbursement following once agreements are signed. Timelines depend on product and verification speed.
Yes. We work with insurers to tailor coverage limits, deductibles and add‑on protections (e.g., cyber, business interruption) that match your risk profile and regulatory needs.
Contact your relationship manager or insurer directly, provide policy details and supporting documents (photos, invoices, incident reports). We can assist with claim submission and follow‑up to speed resolution.
Yes. All partner banks and NBFCs undergo vendor due diligence covering regulatory standing, security posture, financial health and data handling practices before we engage them.
We use personal data strictly for application assessment, KYC, fraud prevention and regulatory compliance. Data is shared only with authorised partners under confidentiality agreements and retained per our privacy policy.
Minimums depend on the product: many mutual funds allow SIPs from small monthly amounts, while discretionary portfolios may require higher initial capital. Contact an advisor for product‑specific thresholds.
Portfolios are reviewed periodically (quarterly or semi‑annually) and after major market events or material changes to your objectives. You’ll receive regular performance reports and can request an ad‑hoc review anytime.
Yes. Notify your relationship manager or update details via the contact form. For critical changes (email/phone), we may require an identity confirmation step for security.
Yes. We advise on funding strategy, cashflow modelling, term structuring and introductions to lenders/investors. Book a consultation via our contact page to discuss your needs.
Direct plans are purchased directly from the fund house and have lower expense ratios (no distributor fees). Regular plans include distributor commissions and therefore have slightly higher costs.
Yes. Tax treatment depends on fund type (equity vs debt), holding period and jurisdiction. Capital gains, dividends and applicable surcharges vary—consult a tax advisor or our team for specific guidance.