Frequently Asked Questions
1. How is Capito Finance Solutions different from other Banks or NBFCs?
Most Banks and NBFCs only cater to customers with perfect credit scores and profiles. At Capito Finance Solutions, we specialize in helping clients whose loan applications have been rejected by traditional lenders, providing a bridge by helping you meet the eligibility criteria you may currently be missing.
Key Differentiator: We focus on rejection transformation – turning previously rejected applications into approved loans through customized solutions and strategic lender matching.
2. Do you guarantee loan approval?
While no institution can offer a 100% guarantee, our success rate is significantly higher than industry standards. We perform a “Pocket Analysis” of your file and match it with the specific Bank or NBFC where your profile has the highest probability of approval.
Important Note: No financial institution can legally guarantee 100% loan approval. However, our specialized approach and lender network significantly improve your chances of success.
Important Note: No financial institution can legally guarantee 100% loan approval. However, our specialized approach and lender network significantly improve your chances of success.
3. Can I get a loan if I have a low CIBIL score?
Yes. While traditional banks often reject applications based solely on a low CIBIL score, we analyze the root cause of the default. If you have a stable income or a valid justification for past issues, we work with our partner NBFCs to find customized lending solutions for you.
Our Approach to Low CIBIL Scores:
• Root cause analysis of credit defaults
• Evaluation of current financial stability
• Assessment of income consistency
• Customized solutions through partner NBFCs
• Focus on rehabilitation rather than rejection
Tip: A low CIBIL score doesn’t automatically disqualify you. We look at the complete financial picture, including your current ability to repay and the circumstances behind past defaults.
Our Approach to Low CIBIL Scores:
• Root cause analysis of credit defaults
• Evaluation of current financial stability
• Assessment of income consistency
• Customized solutions through partner NBFCs
• Focus on rehabilitation rather than rejection
Tip: A low CIBIL score doesn’t automatically disqualify you. We look at the complete financial picture, including your current ability to repay and the circumstances behind past defaults.
4. What is the 'Unique Facility' offered by Capito Finance?
Our standout feature is “Rejection Transformation.” If your file has been rejected elsewhere, we provide a customized solution report detailing exactly what improvements are needed in your profile. Additionally, we offer Pan-India operations, providing doorstep or digital services regardless of your location.
Our Unique Value Proposition:
• Customized solution reports for rejected applications
• Pan-India service coverage
• Doorstep and digital service options
• Specialized focus on challenging credit profiles
Our Unique Value Proposition:
• Customized solution reports for rejected applications
• Pan-India service coverage
• Doorstep and digital service options
• Specialized focus on challenging credit profiles
5. How long does the loan process take?
Our digital assessment is rapid—usually completed within 24 hours. Once your file is matched with the right lender, the disbursement typically occurs within 2 to 3 working days.
Timeline Breakdown:
• Digital Assessment: 24 hours
• Lender Matching: Same day
• Loan Disbursement: 2–3 working days
6. What types of loans do you facilitate?
We offer a comprehensive range of financial products:
Loan Type – Description
Personal Loans – For both Salaried & Self-Employed individuals
Unsecured Business Loans – Working capital and business expansion
Home Loans & LAP – Property purchase and Loan Against Property
Specialized Loans – Custom solutions for Bank-Rejected cases
Target Segments:
• Salaried professionals
• Self-employed individuals
• Small and medium businesses
• Previously rejected applicants
Loan Type – Description
Personal Loans – For both Salaried & Self-Employed individuals
Unsecured Business Loans – Working capital and business expansion
Home Loans & LAP – Property purchase and Loan Against Property
Specialized Loans – Custom solutions for Bank-Rejected cases
Target Segments:
• Salaried professionals
• Self-employed individuals
• Small and medium businesses
• Previously rejected applicants
7. Are there any advance fees for the loan?
Capito Finance Solutions believes in absolute transparency. We do not charge any hidden or unfair upfront fees before loan approval. We follow ethical practices and adhere to RBI guidelines.
Transparency Commitment: No hidden fees, no unfair upfront charges, full compliance with RBI regulations.
Our Fee Structure:
• No advance processing fees
• No hidden charges
• Transparent fee disclosure
• RBI guideline compliance
• Ethical business practices
Transparency Commitment: No hidden fees, no unfair upfront charges, full compliance with RBI regulations.
Our Fee Structure:
• No advance processing fees
• No hidden charges
• Transparent fee disclosure
• RBI guideline compliance
• Ethical business practices
8. Is my data secure with you?
Absolutely. Your privacy is our priority. We use high-level encryption, and your data is shared only with relevant lenders for the sole purpose of your loan application.
Data Security Measures:
• High-level encryption protocols
• Selective data sharing with authorized lenders only
• Purpose-limited data usage
• Privacy protection as core principle
• Secure data handling procedures
Data Security Measures:
• High-level encryption protocols
• Selective data sharing with authorized lenders only
• Purpose-limited data usage
• Privacy protection as core principle
• Secure data handling procedures
9. What documents are required for the application?
Standard Documentation:
• Aadhaar Card
• PAN Card
• Last 6 months’ bank statements
• Proof of income (Salary Slips or ITR)
Flexible Documentation: If you are missing certain documents, we try to assist you using alternative documentation where possible.
Alternative Documentation Support:
• Flexible document requirements
• Alternative proof acceptance
• Case-by-case evaluation
• Support for incomplete documentation scenarios
• Aadhaar Card
• PAN Card
• Last 6 months’ bank statements
• Proof of income (Salary Slips or ITR)
Flexible Documentation: If you are missing certain documents, we try to assist you using alternative documentation where possible.
Alternative Documentation Support:
• Flexible document requirements
• Alternative proof acceptance
• Case-by-case evaluation
• Support for incomplete documentation scenarios
10. How can I get in touch with you?
Primary Contact Channels:
Website: capitofinancesolutions.com
Email: raghav@capitofinancesolutions.com
Service Approach: Professional, solution-oriented, and empathetic support
Our Commitment:
• Professional service delivery
• Solution-oriented approach
• Empathetic customer support
• Responsive communication
Website: capitofinancesolutions.com
Email: raghav@capitofinancesolutions.com
Service Approach: Professional, solution-oriented, and empathetic support
Our Commitment:
• Professional service delivery
• Solution-oriented approach
• Empathetic customer support
• Responsive communication
Still Have Questions?
Can’t find what you’re looking for? Submit your question and our support team will get back to you within 24 hours.
Contact Information
Phone Support
Customer Care: +91 8287442287Loan Helpline: 9560073684
Business Hours: Mon – Sat, 9:00 AM – 7:00 PM
Email Support
General Inquiries: info@capitofinance.com
Loan Support: loans@capitofinance.com
Technical Support: support@capitofinance.com
Office Address
Head Office: B-95,Sector – 02,Noida -201301Branch Timings: Mon – Sat, 10:00 AM – 6:00 PM
WhatsApp Support
24/7 WhatsApp: +91 8287442287
Features: Instant responses, document sharing, real-time updates
Live Chat Support
Get Instant Help
Connect with our support team for immediate assistance. Our live chat is available during business hours for real-time support.
- Available: Mon-Sat, 9 AM - 7 PM
- Average response time: 2 minutes
- Expert financial advisors
- Secure and confidential
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Support Resources
Loan Guide
Comprehensive guide covering all aspects of loan application, documentation, and approval process.EMI Calculator
Calculate your monthly EMI, total interest, and repayment schedule with our easy-to-use calculator.Documentation Checklist
Complete checklist of required documents for different types of loans to ensure smooth processing.Video Tutorials
Step-by-step video tutorials on how to apply for loans, track applications, and manage your account.
Help Center
Browse our comprehensive help center with articles, guides, and solutions to common questions.Mobile App Guide
Learn how to use our mobile app for loan applications, tracking, and account management.What Our Clients Say
"The transparency maintained throughout the loan process was remarkable. I truly appreciated the quick communication and clear guidance at every stage. They made a complex process feel smooth and easy to understand."
Ruchita Pramod Rao
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