Frequently Asked Questions

No. Velixa Capital is a loan & finance consultant — not a bank, NBFC or lender. We are an authorized channel partner with leading banks and NBFCs. Final loan approval, interest rate, credit limit and all terms are at the sole discretion of the partner institution. Our role is diagnostic and advisory — we improve the probability and quality of the offer, but we do not lend.

Only when we agree to submit to a specific lender — and only then. We review your profile, banking and documents first without any credit pull. A hard enquiry happens only when you confirm in writing that we should approach a particular lender. Blind portal submissions, which generate multiple enquiries and lower your score, are exactly what we help you avoid.

The initial eligibility review is free. If we take on the case, fees are disclosed in writing upfront before any work begins — no hidden charges, no surprise add-ons, no percentage-of-loan traps. For most loan facilitation engagements, the fee is a flat disclosed amount; for tax, accounting and property advisory, services are quoted per engagement.

No — and you should treat anyone who promises one with suspicion. Loan approval depends entirely on the lender's credit policy and your file. What we improve is the probability and the quality of the offer: we diagnose what's blocking approval, fix it before submission, and match you to the 1–2 lenders whose policy actually fits your file.

Aggregators blast your file to 10+ lenders hoping one sticks. DSAs typically represent one bank and push every profile through it regardless of fit. Velixa diagnoses your file first — credit, banking, tax, GST — identifies what's blocking approval, fixes it, and then matches you to 1–2 lenders whose credit policy genuinely fits your profile. One deliberate submission instead of 10 blind ones.

File review typically 24–48 hours. From a clean submission, most working capital and personal loans sanction in 5–10 working days; LAP and large business loans in 2–4 weeks depending on legal/valuation. If your file needs credit restructuring or tax re-filing before submission, add 2–4 weeks for the preparation phase.

We serve 45+ cities across India including Mumbai, Delhi, Bangalore, Chennai, Hyderabad, Pune, Kolkata, Ahmedabad, Jaipur, Lucknow, Chandigarh, Indore, Bhopal, Kochi, Coimbatore, and many more. Our advisor network is pan-India and growing. Visit /locations for the full list.

Absolutely. We use AES-256-GCM encryption for all personally identifiable information (name, mobile, email, PAN). Documents shared with us are stored encrypted and never shared with any party without your written consent. We are fully compliant with the IT Act, 2000.