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Our Services

Complete Loan & Financial Solutions

From home loans to large-scale project financing β€” ARK Capital Solutions is your trusted partner for every financial need across Hyderabad & Telangana.

Happy family standing outside their new home
🏠
Individual Β· Family Β· NRI
🏠 Home Loans

Home Loans

Owning a home is one of life's greatest milestones. ARK Capital Solutions makes it achievable by partnering with 25+ leading banks and NBFCs to deliver the most competitive home loan rates, expert guidance, and end-to-end processing support β€” from application to key handover.

Interest Rate
β‚Ή5 Lakh – β‚Ή5 Crore+ Loan Amount
Up to 30 Years Tenure
  • Purchase ready-to-move or under-construction residential property
  • Construct a home on your own land or plot
  • Renovate, extend, or repair your existing home
  • Balance transfer from a current lender to a better rate
  • Top-up loan on an existing home loan for personal needs
  • NRI Home Loans for non-resident Indians investing in Hyderabad
  • Interest rates (floating & fixed options)
  • Loan tenure up to 30 years for comfortable EMI management
  • Up to 90% of property value financed (LTV ratio)
  • Tax benefits under Section 80C & Section 24(b)
  • Doorstep service and dedicated relationship manager
  • Legal and technical property verification support included
  • Available for salaried, self-employed, and business owners
  • Age: 21–70 years (at loan maturity)
  • Salaried: Minimum β‚Ή25,000/month; 2 years of employment
  • Self-Employed: Minimum 3 years business continuity with ITR
  • CIBIL score of 700 and above preferred
Documents Required:
  • Identity & address proof: Aadhaar, PAN, Voter ID
  • Income proof: 3 months salary slips or ITR for 2 years
  • Bank statements: Last 6 months
  • Property documents: Sale deed, title document, NOC
How long does home loan approval take? +
With ARK, most home loans are processed within 5–7 working days once all documents are in order. In-principle approval is often available within 24 hours.
Can I apply with a joint co-applicant? +
Yes. Joint home loans with a spouse or parent increase eligibility and provide combined tax benefits on interest repayment.
Is a CIBIL score below 700 acceptable? +
We work with lenders who consider scores from 650 under certain conditions and also assist clients in credit score improvement before applying.
Apply for Home Loans β†’
Business finance β€” cash flow management on a desk
πŸ’°
Revolving Credit Β· Pay Only on Use
πŸ’° Overdraft Facility

Overdraft Facility

An overdraft facility gives you instant access to funds beyond your account balance, up to a pre-approved limit. You pay interest only on the actual amount used β€” making it one of the most cost-efficient ways to manage short-term cash needs for businesses and professionals.

Interest Rate
β‚Ή1 Lakh – β‚Ή5 Crore+ Loan Amount
Annual Revolving Tenure
  • Bridge temporary cash flow gaps in business operations
  • Meet urgent personal or business expenses without a term loan
  • Leverage fixed deposits, property, or salary as collateral
  • Overdraft against property (OD-LAP) for higher limits
  • Overdraft against mutual funds or insurance policies
  • Salary overdraft for working professionals
  • Revolving credit β€” draw, repay, and redraw as many times as needed
  • Interest charged only on the daily drawn balance, not the full limit
  • No prepayment penalty β€” repay whenever cash flow improves
  • Limits from β‚Ή1 Lakh to β‚Ή5 Crore+ based on profile
  • Funds available 24x7 via linked account or card
  • Fast sanction in 3–5 working days
  • Annual renewal with minimal documentation
  • Age: 21–65 years (individual or business owner)
  • Salaried or self-employed with stable income proof
  • Businesses with minimum 2 years of operational history
  • CIBIL score: 680 and above preferred
Documents Required:
  • KYC: Aadhaar, PAN, address proof
  • Business proof: GST registration, trade licence
  • Bank statements: Last 12 months
  • ITR / audited financials for last 2–3 years
  • Collateral documents (property papers or FD certificate)
How is an overdraft different from a term loan? +
A term loan gives a fixed lump sum with EMIs. An overdraft is a flexible revolving line β€” draw and repay as needed, paying interest only on what you use.
Can a business get an overdraft without collateral? +
Yes. Unsecured overdraft is available for businesses with strong cash flow and credit history. We identify the right lender for your profile.
Is annual renewal required? +
Yes. Overdraft limits are reviewed and renewed annually. Our team handles the renewal process with updated financials β€” seamlessly.
Apply for Overdraft Facility β†’
Person reviewing personal finance documents
πŸ’³
No Collateral Β· Fast Approval
πŸ’³ Personal Loans

Personal Loans

Life doesn't wait for the perfect moment. Whether it's a medical emergency, a dream wedding, overseas travel, or consolidating debt β€” our personal loans are fully unsecured, approved fast, and disbursed within 24–72 hours. No asset pledge, no delays.

Interest Rate
β‚Ή50,000 – β‚Ή40 Lakhs Loan Amount
12 – 60 Months Tenure
  • Medical emergencies and hospitalisation expenses
  • Wedding and family celebration expenses
  • Higher education and abroad study fees
  • Home renovation and interior work
  • Travel, vacation, and honeymoon planning
  • Debt consolidation β€” pay off high-interest credit cards
  • Consumer durable and electronics purchase
  • Fully unsecured β€” no property or asset pledge required
  • Loan amount from β‚Ή50,000 to β‚Ή40 Lakhs
  • Flexible tenure from 12 to 60 months
  • Minimal documentation and digital processing
  • Disbursement within 24–72 hours of approval
  • No end-use restriction on loan proceeds
  • Part-prepayment and foreclosure options available
  • Age: 21–58 years (salaried), 25–65 years (self-employed)
  • Salaried: Minimum net salary β‚Ή20,000/month
  • Self-Employed: Annual income above β‚Ή2.5 Lakhs (ITR basis)
  • CIBIL score of 700 and above preferred
Documents Required:
  • Identity & address proof: Aadhaar, PAN, Voter ID
  • Income proof: Last 3 months salary slips or Form 16
  • Bank statements: Last 3–6 months
  • Employment letter or business registration certificate
Can I get a personal loan with a low CIBIL score? +
We work with NBFCs and alternative lenders for scores between 600–700, often at a slightly higher rate. We also guide you on credit score improvement.
How quickly is the loan disbursed? +
Most personal loans are disbursed within 24–72 hours of document submission. Some lenders offer same-day disbursal for pre-approved profiles.
Are there prepayment charges? +
Charges vary by lender β€” typically 2–5% of outstanding principal. We help you choose lenders with zero or minimal prepayment penalties.
Apply for Personal Loans β†’
Business team reviewing growth strategy and financials
🏒
SME Β· MSME Β· Corporate
🏒 Business Loans

Business Loans

Every business β€” from a first-year startup to a growing enterprise β€” needs capital to thrive. ARK Capital Solutions structures the right credit facility for your business model, leveraging government schemes, NBFC partnerships, and bank relationships to get you the funding you need β€” fast.

Interest Rate
β‚Ή1 Lakh – β‚Ή5 Crore+ Loan Amount
Up to 5 Years Tenure
  • Unsecured term loans for established businesses
  • SME / MSME loans backed by CGTMSE and MUDRA schemes
  • Equipment and machinery finance (new or used)
  • Merchant cash advance against POS / UPI turnover
  • Invoice discounting β€” unlock cash from outstanding receivables
  • Startup loans and seed funding through partner networks
  • Loan amounts from β‚Ή1 Lakh to β‚Ή5 Crore+
  • Tenure up to 5 years with structured repayment
  • Collateral-free options under CGTMSE / MUDRA schemes
  • Bank statement and ITR-based minimal documentation
  • Quick sanction in 5–7 working days
  • Dedicated relationship manager through the loan lifecycle
  • 25+ bank and NBFC partners β€” best rate sourcing
  • Business vintage: Minimum 2 years of operations
  • Annual turnover: β‚Ή10 Lakhs and above
  • Owner age: 25–65 years
  • CIBIL score: 680 and above (individual or business)
Documents Required:
  • PAN β€” individual and business entity
  • Business registration: GST, MSME certificate, trade licence
  • ITR with audited balance sheet for last 2–3 years
  • Bank account statements for last 12 months
  • Aadhaar and address proof of all directors / partners
What is the MUDRA Loan and can I apply through ARK? +
MUDRA Loans offer government-backed credit up to β‚Ή10 Lakhs for micro businesses. Yes, we assist with documentation and lender identification for MUDRA applications.
Can I get a business loan without ITR? +
Some lenders offer bank-statement-based loans if turnover is consistent. We identify the right cash-flow-based credit lender for your profile.
Can I get a top-up on my existing business loan? +
Yes. If your repayment track is healthy, we arrange top-up loans or balance transfers to lenders with better terms and higher limits.
Apply for Business Loans β†’
Warehouse and inventory β€” working capital management
βš™οΈ
CC Β· OD Β· BG Β· LC Β· Invoice Discounting
βš™οΈ Working Capital Loans

Working Capital Loans

Cash flow is the lifeblood of any business. Working capital loans are short-term credit facilities designed to fund day-to-day operations β€” covering payroll, inventory, raw materials, rent, and utilities β€” without touching long-term reserves. We help you identify the right product: CC limit, OD, BG, LC, or invoice discounting.

Interest Rate
β‚Ή5 Lakhs – β‚Ή10 Crore Loan Amount
Short-Term / Annual Tenure
  • Cash Credit (CC) limit against stock and book debts
  • Bank Guarantee (BG) β€” performance, financial, advance payment
  • Letter of Credit (LC) for domestic and import/export trade
  • Invoice / bill discounting to monetise outstanding receivables
  • Packing credit for exporters against confirmed orders
  • Dealer and vendor financing across supply chains
  • Credit limits from β‚Ή5 Lakhs to β‚Ή10 Crore
  • Revolving facility β€” renew annually with minimal process
  • Suitable for manufacturing, trading, retail, and services
  • Interest charged only on daily utilised balance (CC/OD)
  • Linked to business current account for seamless drawdown
  • Existing banking relationships leveraged for best terms
  • Fast sanction in 7–10 working days
  • Business vintage: Minimum 2 years of operations
  • Annual turnover: β‚Ή25 Lakhs and above
  • GST-registered business preferred
  • CIBIL score: 700 and above for principal directors
Documents Required:
  • Business KYC: PAN, GST, MSME registration, trade licence
  • Audited financial statements for last 2 years
  • Bank account statements for last 12 months
  • Stock statement and debtors / creditors list (for CC)
  • Property documents if collateral is involved
What is a Cash Credit (CC) limit? +
A CC limit is a revolving credit line against stock or book debts. You draw and repay multiple times within the limit. Interest is charged on the daily drawn amount β€” ideal for businesses with fluctuating needs.
How is working capital different from a term loan? +
A term loan funds fixed assets over a fixed period. Working capital credit is revolving and short-term β€” used to fund operations, not capital expenditure.
Can seasonal businesses get working capital loans? +
Yes. We present your business cycle clearly to lenders and structure credit around your peak season inventory build-up and post-sale repayment pattern.
Apply for Working Capital Loans β†’
Modern school building and educational infrastructure
🏫
Educational Institutions Β· Infrastructure
🏫 Schools & College Loans

Schools & College Loans

Educational institutions need sustained investment to grow. Whether you're building new classrooms, constructing a hostel block, modernising labs, or expanding campus capacity, ARK Capital Solutions works with banks and HFCs (Housing Finance Companies) to structure long-term institutional loans with repayment schedules aligned to your academic fee cycle.

Interest Rate
β‚Ή25 Lakhs – β‚Ή25 Crore+ Loan Amount
Up to 15 Years Tenure
  • Construction of classrooms, labs, auditoriums, and sports facilities
  • Library upgrades and technology infrastructure improvements
  • Hostel and student accommodation block construction
  • Land and existing campus property acquisition
  • Smart class and digital learning infrastructure setup
  • Renovation and modernisation of aging campus buildings
  • Working capital for operational expenses and fee receivables
  • Loan amounts from β‚Ή25 Lakhs to β‚Ή25 Crore+
  • Repayment aligned with academic fee collection cycles
  • Tenure up to 15 years for infrastructure projects
  • Trust, Society, and Private Limited entity structures accepted
  • CBSE, ICSE, state board, and UGC-affiliated institutions welcome
  • Legal and technical valuation support included
  • Available for schools, colleges, and coaching institutes
  • Minimum 3 years of institutional operation with affiliation proof
  • Registered Trust / Society / Section 8 Company / Private Limited
  • Property offered as collateral with clear title deed
  • Audited financials and 3-year projection statement required
Documents Required:
  • Trust deed / Society registration certificate / MOA–AOA
  • Affiliation / recognition certificate (Board or University)
  • Audited financials for last 3 years
  • Bank statements for last 12 months
  • Property documents and approved building plan
  • PAN and KYC of all trustees / directors
Can a newly started school apply? +
Most lenders require 3 years of operations. However, if the trust has a strong financial background and offers adequate collateral, early-stage institutions may still qualify.
Is a coaching institute eligible? +
Yes. Coaching institutes registered as a Private Limited or LLP with consistent revenue and property collateral can access institutional loans.
What type of property is accepted as collateral? +
The institution's own campus property, or residential/commercial property owned by the trust/promoters, can be pledged. Valuation is done by a bank-empanelled technical expert.
Apply for Schools & College Loans β†’
Modern hospital corridor and healthcare facility
πŸ₯
Healthcare Β· Medical Equipment
πŸ₯ Hospital Loans

Hospital Loans

Quality healthcare requires quality investment. ARK Capital Solutions provides specialised financing for hospitals, clinics, diagnostic centres, and nursing homes β€” covering everything from equipment procurement and facility expansion to working capital needs. We understand healthcare revenue cycles and structure repayment accordingly.

Interest Rate
β‚Ή10 Lakhs – β‚Ή20 Crore+ Loan Amount
Up to 15 Years Tenure
  • Purchase of advanced medical equipment: MRI, CT Scan, OT setup, ICU
  • Construction or purchase of hospital premises and ward expansion
  • Renovation of OPD, IPD, emergency, and diagnostic areas
  • Working capital for salaries, pharma procurement, and maintenance
  • Ambulance and medical transport vehicle financing
  • Digital health infrastructure: HIS, EMR, telemedicine setup
  • New clinic or satellite health centre establishment
  • Loan amounts from β‚Ή10 Lakhs to β‚Ή20 Crore+
  • Tenure up to 15 years for infrastructure loans
  • Equipment loans with 3–7 year tenure
  • Moratorium period (6–18 months) for new projects
  • Available for NABH-accredited and non-accredited facilities
  • Repayment aligned with hospital revenue and billing cycles
  • Solo practitioners, clinics, and multi-specialty hospitals all eligible
  • Registered hospital, clinic, diagnostic lab, or nursing home
  • Minimum 2 years of operations with medical registration proof
  • Valid licences: Clinical Establishment Act, PCB, Fire NOC
  • CIBIL score: 700 and above for promoters
Documents Required:
  • Hospital registration and clinical establishment licence
  • Promoter KYC: Aadhaar, PAN, medical registration certificate
  • Audited financials for last 2–3 years
  • Bank statements for last 12 months
  • Property documents or equipment quotation
  • Project report for new healthcare ventures
Can a solo doctor / single practitioner get a hospital loan? +
Yes. GPs, dentists, ENT specialists, and solo practitioners can get equipment loans and clinic setup loans based on income proof and available collateral.
Is an equipment loan separate from the building loan? +
Yes. Equipment loans are shorter-tenure (3–7 years) with the equipment as collateral. Infrastructure loans are longer-tenure and need immovable property as security. Both can be arranged simultaneously.
Is a moratorium period available for new hospitals? +
Yes. Most lenders offer a moratorium of 6–18 months for new hospital projects β€” only interest is charged until operations begin and revenue flows.
Apply for Hospital Loans β†’
Large infrastructure construction and project development
πŸ—
Infrastructure Β· Large Scale Ventures
πŸ— Project Loans

Project Loans

For entrepreneurs and companies building something big β€” a manufacturing plant, real estate development, industrial park, or renewable energy installation β€” project loans provide the long-term structured debt required to make it happen. ARK Capital Solutions prepares your DPR, CMA data, and lender presentation to ensure your project gets the serious consideration it deserves.

Interest Rate
β‚Ή50 Lakhs – β‚Ή50 Crore+ Loan Amount
Up to 20 Years Tenure
  • Manufacturing units, industrial parks, and processing plants
  • Real estate development and affordable housing projects
  • Solar, wind, and renewable energy installations
  • Warehousing, logistics hubs, and cold storage facilities
  • Hotels, resorts, and large-scale hospitality projects
  • IT parks and commercial office complexes
  • Agro-processing units and food parks
  • Loan amounts from β‚Ή50 Lakhs to β‚Ή50 Crore+
  • Tenure up to 20 years with structured repayment
  • Moratorium of 6–24 months during project implementation
  • Debt-to-equity typically 70:30 for bankable projects
  • Repayment structured on projected cash flows (DSCR basis)
  • Consortium lending available for large-scale projects
  • DPR and CMA data preparation support by ARK team
  • Promoters with proven industry experience in the proposed sector
  • Minimum equity contribution of 25–30% of project cost
  • Viable DPR with positive NPV, IRR, and DSCR above 1.25
  • Land and project assets offered as primary security
  • CIBIL score: 700+ for all promoters; personal guarantees required
Documents Required:
  • Detailed Project Report (DPR) with technical feasibility study
  • CMA data: 5–10 year financial projections
  • Promoter KYC: Aadhaar, PAN, net worth statement
  • Land documents and approvals / environmental clearances
  • Quotations from machinery / construction vendors
  • Audited financials of existing entities (if applicable)
What is a DPR and do you help prepare it? +
A DPR details the project's technical, financial, and operational aspects β€” capital cost, revenue projections, ROI, and risk mitigation. Yes, ARK prepares bankable DPRs and CMA data that lenders accept with confidence.
What is DSCR and why does it matter? +
DSCR (Debt Service Coverage Ratio) measures whether project cash flows are sufficient to repay debt. A DSCR above 1.25 is required by most lenders. We structure your projections to demonstrate a healthy DSCR.
Can a first-time entrepreneur get a project loan? +
Yes β€” with adequate equity, strong collateral, and a solid DPR. We also leverage government-backed schemes (SIDBI, NABARD) that support first-generation entrepreneurs.
Apply for Project Loans β†’

Need Help Choosing the Right Loan?

Our expert advisors will assess your needs and guide you to the best financial solution β€” at zero cost.

Get Free Consultation β†’ πŸ“ž +91 88979 48471
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