Banks & NBFCs
Term loans, cash credit, CGTMSE-style structures and MSME packages. Fit depends on the file — not a marketing “preferred lender”.
About Us
Built around the enterprise, not the salary slip
VFC Rise Financial Services is an MSME finance desk and DSA facilitator. Factories, traders, professional firms and shop-owners should not have to translate their GST and Udyam into a personal-loan form. We map end-use, documents and lender fit — sanction, rate and disbursal stay with the bank / NBFC.
Home / About Us
Legal entity
VFC Rise Financial Services
Role
DSA / loan facilitator
Market
MSME credit — India
Desk contact
6379467223 · hello@vfcrise.com
Who we are
An MSME-only finance desk
VFC Rise exists because Indian small businesses borrow against enterprise objects — stock, plant, invoices, shop title — not against a salary slip. We are a private private limited company that sits between the unit and the lender: mapping product to end-use, listing documents in lender order, and coordinating login and queries.
We are not a bank, NBFC or HFC. We do not take deposits, print sanction letters, or promise “100% approval”. When credit happens, it happens in the lender’s name — always.
VFC Rise Financial Services is a DSA / loan facilitator. We do not lend money. Sanction, rate and disbursal are solely at the partner bank / NBFC.
Leadership
People behind this desk
VFC Rise Financial Services is led by Ashutosh Bhatnagar with Ankit Bhatnagar and Ritin Bhatnagar. File quality and fair practice sit with this team — sanction still stays with the partner lender.
Ashutosh Bhatnagar
Founder & Director
Ankit Bhatnagar
Vice President
Ritin Bhatnagar
Vice President
Why MSME only
The right object on the right facility
A working-capital gap is not a home loan. A CNC is not cash credit. A promoter house is not LAP. Indian MSMEs live on Udyam, GSTIN, stock statements and title chains. We keep those objects on the right facility so the lender sees a coherent file — and you are not sold a generic EMI.
Udyam-first
The enterprise needs an identity before a scheme or CGTMSE-style conversation even starts. Udyam does not replace GST or ITR — it labels the unit.
GST versus banking
Credit will reconcile turnover with the current account. We say that before lender login, not after a surprise query in week three.
Make, trade, serve
Manufacturing, distribution, services and kirana each get a different mix of WC, term and LAP. One confused application helps nobody.
Our approach
End-use first. Then the facility. Then the papers.
MSME credit fails when stock, machinery and a house are stuffed into one EMI story. Our approach is to name the object — inventory, plant, title, invoice, truck — and only then pick WC, term or LAP.
Step 1
Purpose in one sentence
Name the object — Diwali stock, CNC quotation, second shed, shop registry. Muddy purpose means a muddy file. We pause rather than force GST OD, term or LAP.
Step 2
Match the cycle
30–120 day cash needs on WC / CC / OD. Multi-year assets on machinery, CV or term. Property-backed tickets on LAP — never a disguised home loan.
Step 3
Prove it like lenders do
Udyam labels the unit. GST must match banking. ITR, stock/debtors, title or quotation follow. Same order as our documents checklist.
Step 4
The lender decides
We map, compile and route. Sanction, rate and disbursal stay with the bank or NBFC. If the answer is no, we explain the gap — we do not invent a guarantee.
Process detail: how it works · documents · full approach page →
MSME focus
Micro, small, medium — the whole market
This desk is not a side-door on a retail home-loan website. Classification follows current Udyam bands. Underwriting still follows cash flow. The point is that language, documents and products stay inside enterprise credit.
- Manufacturing job-work, OEM supply and processing units
- Wholesale, distribution and industrial trade
- Clinics, contractors, logistics and professional firms
- Kirana, showrooms and neighbourhood retail
- Women-led and first-generation micro enterprises
What we do
Facilitate — never sanction
We will
- Map end-use to WC, term, LAP or scheme
- Compile GST, Udyam, banking and KYC in order
- Route verified files to partner lenders
- Track status, queries and coordination
- Say when a case is a poor fit
We will not
- Lend money or hold deposits
- Guarantee sanction, rate or disbursal date
- Override a lender's credit decision
- Collect cash for “file pushing”
- Harvest original KYC on this website
Partners
An MSME file is never a one-desk island
Credit for a small enterprise sits between the unit, its accountant, a lender, and sometimes a valuer. Partners here means that circle — not a logo wall of fake tie-ups.
Housing finance companies
Some LAP and commercial-property files sit with HFCs that read GST and ITR, not only salaried Form 16.
CAs, CSs & valuers
GST vs banking, computation and title/technical reports are where files stall. We work with the MSME’s existing professionals.
SBI
ICICI Bank
HDFC Bank
Axis Bank
Bank of India
PNB
Canara Bank
Bank of Baroda
Governance
Written standards, not banner promises
Fair practice starts with refusing to mis-sell MSME credit. We keep licence hygiene in manufacturing files, never oversell to households, and treat enquiry data as for response — not sale. Grievances get a named path.
Services
23 MSME facilities on this desk
GST overdraft, working capital, cash credit, unsecured business loan, machinery, LAP, CGTMSE-style, PMEGP, gold loan, trade finance, invoice discounting, commercial vehicle, shop purchase, balance transfer and project finance — each with its own end-use, document set and lender fit. About Us is the institutional layer around that catalogue.
Group
Also from our group
Related brands under the same leadership — each with its own focus and website.
Ready to map your MSME file?
Tell us the purpose of funds. We will point you to the right facility and lender path — without a fake guarantee.
About Us
More from this desk
About UsWho VFC Rise is, and why this desk exists only for MSMEs.LeadershipAshutosh Bhatnagar (Founder) with Ankit & Ritin Bhatnagar (Vice Presidents).Our ApproachEnd-use first: WC, term and LAP are not the same file.PartnersBanks, NBFCs, HFCs and professionals who sit around an MSME file.MSME FocusUdyam, GST, manufacturing, trade, services and retail — not salaried PL.Fair PracticesNo guaranteed sanction, no original KYC on the website, grievance path.Our RoleDSA facilitator — we map MSME files; partner banks sanction and disburse.GrievanceComplaint path, nodal officer, and resolution timelines.