Everything you need to know about how Apex Innovation Solution works. Can't find your answer? Contact us directly.
No. Apex Innovation Solution is a loan consulting company — we are not a bank or a lender ourselves. We assess your requirement, match you with suitable banks and NBFCs from our partner network, and support you through the application process. The actual loan is sanctioned and disbursed by the partner bank/NBFC, not by us.
The initial consultation and eligibility assessment is free. Any applicable service fee, if any, is discussed and agreed with you upfront in writing before you proceed — there are no hidden charges.
We help with 12 finance products: Business Loan, Loan Against Property, Personal Loan, Home Loan, Used Car Loan, Education Loan, MSME Loan, Working Capital Loan, Mortgage Loan, Term Loan, Insurance, and Credit Score checks. You can see the full list on our Services page.
This varies by loan type, but most applications need: valid photo ID (Aadhaar/PAN), address proof, income proof (salary slips or ITR for self-employed), bank statements for the last 6 months, and passport-size photographs. Business loans additionally need business registration and GST/ITR filings where applicable. We'll give you an exact checklist once we know your loan type.
Once your documents are complete, initial approval from most partner lenders typically takes 24–48 hours, with disbursal following within a few working days depending on the loan type and lender's internal process. Property-backed loans (Home Loan, LAP, Mortgage) usually take longer due to legal and valuation checks.
Our initial eligibility assessment is based on the information you share with us and does not involve a hard credit pull, so it will not affect your CIBIL score. A hard inquiry only happens once you formally apply with a specific lender.
Requirements vary by lender and loan type, but a CIBIL score of 700+ generally improves your chances of approval and better interest rates. If your score is lower, we can still explore secured loan options (like Loan Against Property) or guide you on improving your score before applying.
Yes, several of our partner NBFCs offer loans for self-employed individuals and small businesses with alternate income proof, such as bank statements and GST returns, even without multiple years of ITR filings. Terms and loan amounts may differ from salaried applicants.
A rejection from one lender doesn't mean you're ineligible everywhere — different banks and NBFCs have different risk criteria. Since we work with multiple partners, we can re-evaluate your profile and route your application to a lender better suited to your situation.
Yes. We collect only the information necessary to assess and process your loan application, and share it only with the specific lender(s) you choose to apply through. See our Privacy Policy for full details on how we handle your data.
Most loans allow part-prepayment or full foreclosure, though some lenders charge a prepayment penalty (commonly waived on floating-rate loans per RBI guidelines for individual borrowers). Exact terms depend on the lender and loan agreement — we'll flag this before you sign.
Fill out the enquiry form on our homepage or Contact page, or call us directly. A member of our team will call you back within 24–48 hours to understand your requirement and next steps.
Share a few details and a loan advisor calls you back within 24–48 hours. No obligation, no fee to enquire.