CAaS
Your Loan Readiness Partner — Choose a Plan That Works for Your Business
With BharatFi's CAaS (Credit Advisory as a Service), you get everything you need to raise the right loan — from readiness reports to expert guidance, and complete documentation until your funding is approved.
Our Plans
BASIC Plan
4,999
Best for businesses that already maintain a healthy credit profile (CIBIL/CMR) and just need the right tools to stay financially fit.
Financial Readiness Report
Financial Trend Analysis
Net Worth Analysis
Debt Equity Ratio Analysis
Current Ratio Analysis
Drawing Power ratio Analysis
Debt Coverage Ratio Analysis
Bank Statement Analysis
Collateral Coverage Analysis
Free Templates
Executive Summary Template
Loan Request Letter
CMA Format
Ratio Analysis Template
Credit Readiness Report
Personal CIBIL Analysis
Company CMR Analysis
30-Minute Expert Call
Right Lender Connect
Dedicated Relationship Manager
CMA Preparation Support
Documentation Support
Bank Query Support
Pro Plan
9,999
Best for businesses looking to raise funds, improve their credit standing, or prepare for new financing opportunities.
Financial Readiness Report
Financial Trend Analysis
Net Worth Analysis
Debt Equity Ratio Analysis
Current Ratio Analysis
Drawing Power ratio Analysis
Debt Coverage Ratio Analysis
Bank Statement Analysis
Collateral Coverage Analysis
Free Templates
Executive Summary Template
Loan Request Letter
CMA Format
Ratio Analysis Template
Credit Readiness Report
Personal CIBIL Analysis
Company CMR Analysis
30-Minute Expert Call
Right Lender Connect
Dedicated Relationship Manager
CMA Preparation Support
Documentation Support
Bank Query Support
Prime Plan
24,999
Best for entrepreneurs upgrading loan limits, switching banks for better terms, or managing large, complex funding requirements.
Financial Readiness Report
Financial Trend Analysis
Net Worth Analysis
Debt Equity Ratio Analysis
Current Ratio Analysis
Drawing Power ratio Analysis
Debt Coverage Ratio Analysis
Bank Statement Analysis
Collateral Coverage Analysis
Free Templates
Executive Summary Template
Loan Request Letter
CMA Format
Ratio Analysis Template
Credit Readiness Report
Personal CIBIL Analysis
Company CMR Analysis
30-Minute Expert Call
Right Lender Connect
Dedicated Relationship Manager
CMA Preparation Support
Documentation Support
Bank Query Support
BharatFi: Making MSMEs Truly Loan-Ready
At BharatFi, we simplify MSME funding. From readiness reports to expert calls and bank support, we give you a clear, step-by-step journey that takes you from uncertainty to approval — without wasted time or rejections
Step 1
Choose Your Plan & Begin Your Journey
Stop wasting months running from bank to bank. Select a plan — Basic, Pro, or Prime — and unlock the exact guidance your business needs. One secure payment, and you’re already on the path to becoming loan-ready.
Step 2
Get Your Onboarding Kit — Your Loan Prep Starter Pack
No more confusion about “which paper is missing.” Within minutes, you’ll receive:
- A personalized checklist of required documents (specific to your business type)
- Ready-to-use loan templates like CMA reports & financial statements.
- A step-by-step guide so you don’t lose time figuring it out.
Think of this as your toolbox to avoid rejection before even applying.
Step 3
Get Your Custom Readiness Report
Most MSMEs are told “not eligible” — but no one explains why. We do.
Based on your plan, you’ll get:
- Basic Plan : A Financial Health Check showcasing gaps in financials, and ratios
- Pro and Prime Plan :
- Credit Readiness Insights — gaps in personal and business CIBIL.
- A clear action plan to make your business loan-worthy
- Direct link to book your expert call.
You’ll know exactly what to fix before meeting a lender
Step 4
Expert-Guided Call — Advice That Saves Time & Money
Our experts don’t just hand you a report — they explain it in plain language.
- Pro Plan: 30-minute call with an advisor who walks you through your credit report, answers your doubts, and helps position your application better.
- Prime Plan: A dedicated Relationship Manager works closely with you — from preparing CMA/project reports to organizing your loan file professionally.
Instead of trial-and-error, you get bank-ready files and clear answers
Step 5
Ongoing Support Until Money Gets to Your Account
Our services and support does not end after a report. For Prime users, your RM stays with you through:
With BharatFi, you get:
- A Dedicated Guide to handle bank follow-ups and queries.
- Corrections and Re-Submissions done quickly, so your application never gets stuck
- End-to-end support until your loan is Approved and Disbursed.
From start to finish, you’re never alone. We’re with you till you see the funds in your account.