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Fourteen years of getting loan files approved — and telling clients when not to borrow.
Finoxa Finance was founded in 2012 by a group of former bank credit managers who had spent years on the other side of the desk, declining applications that should have been approved. Not because the borrowers were unworthy, but because the file was assembled wrongly, submitted to the wrong lender, or let down by a single document nobody had checked.
That is the gap we exist to close. Lending in India is not short of capital — it is short of translation. Forty-plus banks and NBFCs each maintain their own underwriting policy, employer categorisation, income assessment method and property norms, and none of it is published. A borrower applying blind is guessing. We are not.
We are a loan distribution and advisory firm. We do not lend our own money, and we never will — the moment we did, our advice would stop being neutral. What we do is:
Our services are free to the borrower. We receive a distribution commission from the lending institution once a loan is disbursed. We disclose this openly because you should know it: it means we are paid on completion, not on advice, and it means we have no incentive to place you with a lender whose offer is worse for you.
What we never do is charge an advance fee. There is no file charge, no processing payment and no consultation fee at any stage. If anyone claiming to represent Finoxa asks you for money upfront, it is a fraud — please report it to us immediately.
A meaningful share of our conversations end with us advising against the loan. A balance transfer with four years remaining that will not recover its own costs. A ₹40 lakh term loan where an overdraft would cost a third as much. A borrower whose credit score needs six months of clean conduct before any application is worth making. A gold loan on bullet repayment with no identifiable repayment source.
We say so, and we lose the commission. It is the only version of this business worth running, and it is why a large proportion of our clients arrive through referral.
Since 2012 we have arranged more than ₹1,250 crore of retail and business credit for over 18,500 clients, across personal, business, home, car, education, gold, mortgage and property-backed lending. We work with 42 banks and NBFCs. Our clients rate us 4.8 out of 5 on Google across more than 1,200 reviews.
The number we are actually proud of is less visible: our first-time approval rate sits well above the industry norm, because files are checked before they are submitted rather than after they are declined.
Our advisory team is drawn from retail credit, housing finance and MSME lending — people who have written credit policy and can therefore read it. You are assigned one advisor who stays with your file from the first call to disbursal. You will not be handed between departments, and you will not have to explain your situation twice.
Finoxa Finance is a loan distribution partner and does not undertake lending activity. We are not a bank, an NBFC, or a deposit-taking institution. Every loan agreement is directly between you and the lending institution. Approval, interest rate, tenure and all terms are at the sole discretion of that institution. Indicative rates shown on this website are as advised by our partners and are subject to change without notice.
Including the one that costs us money.
We do not lend, so we have no product to push. Our only interest is placing your file with the lender most likely to approve it on the best terms.
Every offer is presented with the processing fee, prepayment terms and insurance bundling folded in, because that is what you actually pay.
Documents and property title are verified before the file reaches credit. It is unglamorous work and it is where rejections are prevented.
If the loan is wrong for you, we tell you and lose the commission. It is the only way the advice is worth anything.
You are assigned one advisor who stays with your file from the first call to disbursal.
Founder & Managing Director
26 years' experienceAnand spent fourteen years in retail credit at two private banks, latterly heading unsecured underwriting for the west region, before founding Finoxa in 2012. He built the firm on a straightforward premise: most loan rejections are avoidable, and borrowers lose money to information asymmetry rather than to genuine ineligibility.
Head of Credit Advisory
18 years' experienceMeera leads the team that assesses every file before it reaches a lender. A former credit manager with a housing finance company, she is the reason our first-time approval rate sits well above the industry norm — she has seen most of the ways a good application gets declined.
Head of Business & MSME Lending
15 years' experienceKaran handles working capital, machinery finance and secured business lending. He is particularly focused on screening every MSME file against CGTMSE and Mudra eligibility before considering commercial pricing — a step that has saved clients several crores in interest.
Head of Property & Legal Diligence
20 years' experienceFatima runs title verification, valuation coordination and legal clearance on every property-backed file. Her team catches chain-of-title and approved-plan defects before an application is submitted, which is why our home loan and LAP timelines run materially shorter than the market average.
₹1,250 Cr+
Credit arranged
18,500+
Clients served
42
Partner lenders
14 yrs
In business
No credit bureau pull, no obligation, no fee. Just a straight answer on what is available to you.
No credit bureau pull · No obligation · No fee — we are paid by the lender