Short-Term Business Loan
Unsecured business financing, daily installments.
30–360 days
Explore this option
Finance, made clear
Financing and investment, run the way a lender should be run
KRFS lends against vehicles and consumer durables with a fully manual, transparent credit process, and lets investors fund that lending book for a clear, regularly reported monthly return.
Secure by designClarity at every step
All financing options
Every KRFS loan product, in one place
Human-led finance
Clarity in every decision
Real people reviewing the details that matter.
The KRFS standard
KRFS at a glance
Straightforward measures backed by careful review, transparent processes, and accountable service.
01
2
Loan products
02
Manual, every time
Vehicle valuations
03
Monthly
Investor payouts
04
INR
Currency
How we help
Why borrowers and investors choose KRFS
A more thoughtful financial experience, designed around informed decisions rather than unnecessary complexity.
Clear guidance. Confident decisions.
01
Manual, human underwriting
Every application and every vehicle is reviewed by a credit officer, not an algorithm — approved terms are set for your specific case.
Built around you02
Transparent terms
Tenure, rate and fees are agreed up front and stated in plain INR figures — no hidden charges.
Built around you03
KYC & AML compliant
Every customer is verified against our documented KYC and AML policy before funds move.
Built around you04
Dedicated support
A named team handles your application and investor account from start to finish.
Built around youExplore KRFS
More about KRFS
Practical financial support, thoughtfully structured around the decision in front of you.
Clear terms from the start
01
Loan Against Vehicle
Use a vehicle you already own as security for a short-term loan, valued manually by our credit team.
Explore this option02
Consumer Durable Financing
Finance an appliance or electronics purchase with a down payment and structured installments.
Explore this option03
Become an Investor
Fund our loan book and earn a clear, monthly reported return — transparent terms, no guesswork.
Explore this option04
Manual, Transparent Underwriting
Every application and every vehicle is personally reviewed by our credit team — never an algorithm.
Explore this optionExplore KRFS
Special offers
Practical financial support, thoughtfully structured around the decision in front of you.
Clear terms from the start
01
Refer & Earn Rewards
Invite friends to KRFS — earn a reward voucher once their first loan is disbursed.
02
Grow Your Money With KRFS
Fund our loan book and start earning a clear, monthly reported return.
Explore this option03
0% Hidden Fees on Consumer Durables
Finance electronics and appliances with transparent, structured installments.
Explore this optionQuestions, answered
Safety and trust
Straightforward answers to help you understand the details and move forward with confidence.
Clear information, no fine print
4 common questions
Select a question to reveal the answer
01Is my information and money handled securely?
Every customer and investor is verified through our documented KYC and AML process before any funds move, and account activity is monitored on an ongoing basis by our Fraud & Risk team.
02Are investor returns guaranteed?
No — investor returns depend on the performance of the underlying loan book and are not a guaranteed or insured return, as set out in our Client & Investor Charter. What is guaranteed is transparency: a clear return methodology and a monthly statement of accruals, payouts and running balance.
03Who reviews my loan application or vehicle valuation?
A person, not an algorithm. Every application and every vehicle is reviewed manually by our credit team before terms are set.
04What if I have a complaint or a dispute?
Every customer and investor can raise a grievance through the Contact Us page or directly with their assigned team. Grievances are logged, assigned to an authorized staff member, and tracked through to resolution.
The next step is yours
Ready to get started?
Create an account to apply for financing or fund our loan book as an investor.
Secure by designClear at every step