Big Loan & Financial Consultants

What Big Loan & Financial Consultants does

Big Loan & Financial Consultants (BLFC) is a privately held loan distribution and consultancy firm headquartered in New Delhi, India, operating since approximately 2004. The company acts as an intermediary connecting borrowers — primarily micro, small, and medium enterprises (MSMEs) and individual retail borrowers — with over 50 partnered banks and non-banking financial companies (NBFCs) across India. Its product catalogue spans 14 offerings, including unsecured business loans, loan against property (LAP), home loans, machinery loans, working capital OD/CC limits, MSME OD/CC, CGTMSE-backed loans, bill discounting, project funding, private funding, securities-based lending, purchase invoice discounting, and personal loans, complemented by financial advisory services.

The company's technology layer is a modest digital brokerage platform — a website (bigloan.co.in) and mobile app (available on Google Play and Apple App Store) offering EMI and Balance Transfer calculators, an OTP-verified online loan eligibility checker, and lead-capture forms. There is no proprietary AI, underwriting model, or integrated lending platform; loan processing is handled manually by a 25-person team of advisors supported by a channel partner referral network. The platform's primary digital differentiators are ease-of-use calculators and accessibility, not algorithmic decisioning.

BLFC's revenue model is a hybrid of (i) transaction fees — referral commissions and distribution fees earned from bank/NBFC partners for originated loans — and (ii) professional services fees from financial advisory engagements including cost optimization, documentation audits, credit rating improvement, and compliance tracking for business clients. Customer segments span individual retail borrowers (weddings, medical emergencies, home renovation, debt consolidation), MSMEs (working capital, machinery, expansion), and corporate clients (advisory). The company competes in the highly fragmented Indian loan DSA/aggregator space alongside bank-internal channels, fintech lenders, and other independent distributors, with its primary competitive levers being the breadth of its lender partnerships, nearly two decades of operational track record, and personalized advisory service.

Name

Big Loan & Financial Consultants

Legal name

Big Loan & Financial Consultants

Website

https://bigloan.co.in

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

11–50 employees

Short description

Big Loan & Financial Consultants (BLFC) is a New Delhi-based loan distribution and consultancy firm founded circa 2004, connecting MSMEs and individual borrowers in India with over 50 partnered banks and NBFCs across 14 loan products including business loans, LAP, home loans, and working capital facilities, earning referral commissions and advisory fees via a 25-person sales team and digital platform.

Ownership category

akta.pro rank

Product category

Loan Distribution and Financial Consultancy

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Equipment & Asset Finance Brokerage (FSAEAEAJ)

akta.pro secondary industries

Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH), Corporate Finance & Capital Advisory (BPAHADAB)

Keywords

• Loan distribution services
• MSME loan consultancy
• Loan against property
• Working capital financing
• Financial advisory services

Headquarters

HQ city

New Delhi

HQ country

India

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure

Revenue model

1. Loan Consultancy and Distribution Fees: BLFC acts as a distribution channel for banks and NBFCs, earning referral fees or commissions for originating loans. They provide loan consultancy services to customers seeking financing solutions across multiple product categories including unsecured business loans, LAP, home loans, machinery loans, and working capital facilities.
2. Advisory Services: Financial advisory services including cost-saving advice, security reduction guidance, bank documentation audits, credit rating improvement, compliance tracking, and monthly financial reviews for business clients.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Big Loan & Financial Consultants is a loan distribution and consultancy firm that intermediates between borrowers and over 50 Indian banks and NBFCs, offering secured and unsecured business loans, MSME financing, machinery loans, home loans, personal loans, working capital facilities, and financial advisory services. Revenue is generated through referral commissions from lenders and professional advisory fees, supported by an in-house team of 25 professionals and a digital platform with eligibility and EMI calculation tools.

Product overview

Big Loan & Financial Consultants (BLFC) operates as a loan distribution and consultancy platform offering 14 distinct loan products and financial services. The core offering consists of secured and unsecured lending products including business loans, property loans, home loans, machinery financing, working capital facilities, and specialized financing options like bill discounting and project funding. BLFC acts as an intermediary connecting borrowers with over 50 partnered banks and NBFCs across India. The platform is complemented by two financial tools: an EMI Calculator for loan repayment planning and a Balance Transfer Calculator for comparing refinancing options. The company does not appear to offer a unified software platform but rather consultancy services to facilitate loan procurement from their lending partners.

Differentiator

Problem solved

Functional benefit

Products and services

• Unsecured Business Loan Unsecured business financing for businesses to borrow funds without collateral, sourced via BLFC's lender network based on creditworthiness and business performance.
• Loan Against Property Secured loan where borrowers pledge residential, commercial or industrial property as collateral to access funds at lower interest rates, sourced through BLFC's bank and NBFC partners.
• Home Loan Financing for purchasing, constructing or renovating residential properties with the property as collateral, distributed through BLFC's lending partners.
• Machinery Loan Business loan to help enterprises purchase, upgrade or repair machinery and equipment essential to operations, arranged through BLFC's lender network.
• Working Capital OD/CC Limit Overdraft and cash credit facilities to meet short-term working capital needs, with interest charged only on the amount utilized, arranged through BLFC's lending partners.
• MSME OD/CC Overdraft and cash credit facilities tailored for Micro, Small and Medium Enterprises to manage working capital requirements, sourced from BLFC's MSME-focused lending partners.
• CGTMSE Credit Guarantee Fund Trust for Micro and Small Enterprises scheme providing collateral-free loans to MSEs with government-backed guarantee coverage up to 85%, distributed via BLFC's bank partners.
• Bill Discounting Invoice financing allowing businesses to sell accounts receivable to financial institutions at a discounted rate to obtain immediate cash flow, arranged through BLFC's lender partners.
• Project Funding Financing solutions for large-scale projects including infrastructure, industrial ventures and real estate development with risk sharing among stakeholders, arranged through BLFC's lending partners.
• Private Funding Alternative financing sourced from private individuals, angel investors, venture capitalists and private equity firms for businesses and ventures seeking non-bank capital.
• Financial Advisor Service Financial advisory services covering investment planning, retirement planning, tax planning, estate planning, debt management, cost reduction, bank documentation audits, credit rating improvement and compliance tracking for business clients.
• Securities-Based Lending Loans secured against investment portfolios such as stocks and bonds, allowing borrowers to access liquidity without liquidating their investments.
• Purchase Invoice Discounting

Quantifiable outcome

• Quick approval within 24 to 72 hours for unsecured business loans
• +3 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• 50+ Banks and NBFCs in IndiacoreChannel Partner/ Reseller/ DistributorBig Loan & Financial Consultants has established business associations with over 50 of India's leading Banks and NBFCs. These partnerships enable the company to offer diverse loan products including unsecured business loans, home loans, loans against property, machinery loans, working capital facilities, and MSME financing to customers seeking optimal loan solutions.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Emerging players

• LoanTap Financial Technologies: Online lending platform offering personal loans, business loans, and loan against property. Comparable target segments (SME and self-employed) and product overlap (LAP, personal, business loans), though operates as a direct lender rather than pure broker.
• CreditMantri: Credit advisory and loan matchmaking platform in India helping consumers access personal loans, home loans, and credit cards. Comparable loan brokerage function with similar financial advisory overlay.
• MoneyTap: Indian digital lending app offering personal loans through partner banks/NBFCs. Comparable as a digital loan intermediary, particularly for personal and small-ticket consumer credit, though with a pure mobile/app GTM motion.
• Lendingkart Finance: Digital MSME lending platform focused on unsecured business loans to SMEs in India. Overlaps with BLFC on the MSME unsecured business loan category, though Lendingkart originates on its own books versus BLFC's broker model.

Direct peers

• IndiaLends: Digital lending marketplace and loan distribution platform for personal loans, business loans, and credit cards in India. Comparable as a fintech-driven broker serving both retail and MSME borrowers through bank partnerships.
• MyLoanCare: Indian online loan comparison and brokerage platform offering home loans, personal loans, and balance transfer services. Comparable product mix (especially balance transfer) and bank/NBFC intermediation model.
• Paisabazaar.com: India's largest online loan and credit card comparison marketplace, connecting borrowers with banks and NBFCs. Directly comparable to BLFC as both operate as loan distribution intermediaries, though Paisabazaar is a digital-first scale player versus BLFC's hybrid offline/digital model.
• BankBazaar: Online marketplace for loans, credit cards, and insurance products, partnering with multiple banks and NBFCs. Directly comparable as a multi-product loan intermediation platform serving both consumer and SME segments in India.

Broad incumbents

• CreditAccess Grameen: Listed Indian NBFC focused on microfinance and small enterprise lending with deep rural distribution. Comparable in serving MSMEs and small borrowers, though operates as a direct lender with much larger balance sheet.
• Dhani Loans (IndusInd Bank affiliate): Large Indian digital lending platform backed by a major bank, offering personal, business, and consumer loans through a fully digital stack. Comparable product categories but materially larger scale and balance-sheet lending capacity.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/DMBigLoan
• Facebookfacebook.com/BigLoanFC
• LinkedInlinkedin.com/company/big-loan-financial-consultants

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Big Loan & Financial Consultants