Commercial Credit Services

Business Credit Repair & Commercial Loan Advisory Across India

Business CIBIL CMR improvement, commercial credit building, MSME loan advisory and B2B debt management for proprietors, partnerships, private limited companies and public sector enterprises across all regions of India.

Free Business Consultation

CMR

Company Rank

Rank 1 (Lowest Risk)

● Verified Bureau SLA

CMR Dispute Success Rate98.4% Approved

Commercial Loans Facilitated₹500Cr+

Partner Bank Network50+ Lenders

RBI Compliant Process100% Confidential

Commercial Only

This section covers business / commercial credit services. For personal CIBIL, see Individual Services →

B2B Solutions

Commercial Credit Services We Offer

Business CIBIL / CMR Repair

Improve your Company Monthly Review (CMR) ranking and business credit profile with banks.

Business Loan Advisory

Collateral-free business loans up to ₹2 Cr — matched to your profile from 50+ lenders.

Trade Credit & Vendor Finance

Build vendor credit lines and access trade finance facilities for your business.

B2B Debt Management

AR management, debtor follow-up, and structured debt recovery for businesses.

Business Credit Profile Build

For startups and new businesses — establish a strong CIBIL commercial credit profile.

MSME & SME Loan Structuring

CGTMSE-backed, MUDRA and SIDBI loan facilitation for eligible MSMEs.

Pan-India Coverage

Select Your Region

Commercial credit services available across all four regions of India

Commercial Hub

North

North India

22 cities · 2 metro hubs

DelhiNew Delhi+19 more

Explore North Hub

Commercial Hub

South

South India

18 cities · 3 metro hubs

BengaluruChennaiHyderabad+15 more

Explore South Hub

Commercial Hub

East

East India

11 cities · 1 metro hubs

Kolkata+8 more

Explore East Hub

Commercial Hub

West

West India

15 cities · 3 metro hubs

MumbaiPuneAhmedabad+12 more

Explore West Hub

Help & Support

FAQs — Commercial Credit Services

What is a CIBIL CMR rank for businesses?

CIBIL CMR (Company Monthly Review) is a rank from 1–10 assigned to companies based on their credit behaviour. Rank 1 is best (lowest risk). Banks use this to decide business loan approvals and credit limits.

Can a business with a low CMR rank get loans?

Yes — but at higher rates and with stricter terms. Our commercial credit specialists help businesses improve their CMR rank through dispute resolution, liability restructuring and positive credit building.

Is commercial credit repair separate from personal CIBIL?

Yes. Your personal CIBIL score and your business CMR/commercial credit are separate files at the bureaus. However, for proprietorships and partnerships, the proprietor/partners' personal credit is often checked alongside the business credit.

How long does business credit repair take?

CMR rank improvement through dispute resolution: 30–60 days. Comprehensive business credit rebuilding: 6–18 months depending on the severity of defaults or write-offs.

What documents are needed for business loan advisory?

Business registration proof, GST returns (last 2 years), ITR (last 2–3 years), bank statements (last 12 months), and PAN/Aadhaar of directors/proprietors.