Our products
Every funding route we arrange
Every service below starts the same way: we look at what your financials and plans support before we approach anyone. What differs is the type of capital and what the funder needs to see. Nothing here is a guarantee of funding — a broker arranges access, not approval.
Home loan
Home loans for purchase, self-construction, plot-plus-construction, and balance transfer, placed with banks and housing finance companies. We work out what your income profile and existing obligations will actually support before an application is filed anywhere.
What funders will look for
- Identity, address, and income proof for every applicant
- Salary slips and Form 16, or business ITRs and computation for self-employed applicants
- Bank statements covering the recent months of income and EMI conduct
- Clear property title with the chain of documents available
- Details of any running loans, credit cards, or guarantees
Loan against property
Raise capital against residential, commercial, or industrial property you already own, without selling it or bringing in a partner. We compare what different lenders will value the property at and what each one will lend against that value.
What funders will look for
- Ownership documents and a clear, marketable title
- Latest ITRs and financials, or salary records for a salaried applicant
- Property tax receipts and approved building plan where applicable
- Existing charge or mortgage details, if the property is already funded
- A stated purpose for the funds and a repayment plan
Business loan
Secured and unsecured term facilities for expansion, equipment, or refinancing existing debt at a better cost. We review what your accounts and banking conduct will carry, then approach lenders whose credit policy matches your profile rather than sending one application everywhere.
What funders will look for
- Audited financials and ITRs for the recent years, with GST returns
- Current account statements showing regular trading
- Business registration, GST, and Udyam or equivalent registration
- A stated purpose for the facility and how it will be repaid
- Details of existing debt, security offered, and any personal guarantees
Working capital — OD, CC, BG, LC
Overdraft and cash credit limits, bank guarantees, and letters of credit arranged as one working-capital package. Treating the limits together rather than product by product is usually what gets a meaningful enhancement rather than a marginal one.
What funders will look for
- Audited financials, provisional figures for the current year, and GST returns
- Stock and debtor statements, and an ageing of receivables
- Existing sanction letters and current limit utilisation
- Order book or contracts supporting the limit you are asking for
- Collateral or security available, where the lender requires it
Angel and investor funding
Introductions to individual angels, angel networks, family offices, and private investors. We position the opportunity, prepare what an investor reads before a first meeting, and stay in the conversation through to terms.
What funders will look for
- A defined raise amount and a specific use of funds
- Pitch deck, financial model, and summary financials ready to share
- Cap table and shareholding structure documented
- Traction a founder can demonstrate rather than describe
- Willingness to accept investor consent rights and reporting obligations
AIF and FDI funding
Access to SEBI-registered Alternative Investment Funds across Category I, II, and III, and foreign direct investment routes where overseas capital is the better fit. Both come with compliance that has to be planned for rather than discovered late.
What funders will look for
- A corporate structure that can take the investment as proposed
- Audited financials and a model covering the investment period
- Sector eligibility confirmed against the applicable FDI policy and caps
- Statutory and regulatory filings up to date
- Board and shareholder approvals achievable within the transaction timeline
IPO — SME and mainboard
Listing support from an honest readiness review through merchant banker appointment to listing day. If the answer is that you need more clean quarters first, we say so at the start rather than after the costs are sunk.
What funders will look for
- Audited financials for the periods the applicable listing rules require
- A corporate structure and board composition that can meet listing norms
- Statutory compliance, related-party transactions, and litigation disclosed
- Promoter shareholding and lock-in position understood
- Management capacity to carry a listed company’s reporting obligations
Start-up and project funding
Early-stage capital for founders with a product in market, and term funding for a defined project — plant, real estate, infrastructure, or capacity expansion — structured around the project’s own cash flows.
What funders will look for
- A detailed project report or business plan with costed assumptions
- Promoter contribution confirmed and available
- Approvals, licences, and land or site documentation in place
- A repayment schedule tied to when the project starts generating cash
- Security or collateral available where the lender requires it
Funding readiness review
A structured look at your business through a funder’s eyes before you approach anyone. We identify the gaps that cause declines, tell you which funding routes are realistic today, and set out what needs to be in place for the rest.
What funders will look for
- Access to your financials, forecasts, and existing funding arrangements
- A decision-maker available for a working session
- An outline of what you want to fund and by when
Questions
Frequently asked questions
What people ask before they get in touch. If your question is not here, call us and ask it directly.
Who are the directors of Kayra Bridge Fund?
Kayra Bridge Fund is led by two directors, Neetu Singh and Deepanshu Sharma. Neetu Singh brings fifteen years of experience across lending and investment funding and leads the debt side of the business, including home loans, loan against property, business loans, and working capital limits. Deepanshu Sharma handles the investor side: angel and private investor funding, AIF and FDI structuring, IPO readiness, and start-up funding.
Is Kayra Finance the same business as Kayra Bridge Fund?
Yes. The business is referred to as Kayra Bridge Fund, Kayra Finance, Kayra Investment, and KBF, and all of these refer to the same funding brokerage based in Ghaziabad, Uttar Pradesh. You can reach us on +91 99902 22201 or at deepanshu4u5@gmail.com whichever name you found us under.
Where is Kayra Bridge Fund located?
Our office is at Kasra No. 2019, Chaudhary Complex, Loni Bhopura Road, opposite D-Mart, Ghaziabad, Uttar Pradesh. Most of our clients are across Ghaziabad, Loni, Noida, and the wider Delhi NCR region, and we work with businesses across India.
What types of funding does Kayra Bridge Fund arrange?
Eleven products in total: home loans, loan against property, business loans, working capital facilities including OD, CC, bank guarantee and letter of credit limits, angel funding, private investor funding, AIF funding, FDI funding, IPO support for SME and mainboard listings, start-up funding, and project funding.
What is the difference between a funding broker and a lender?
A lender decides whether to approve your funding and provides the money. A broker does not. We assess your requirement the way a credit or investment committee would, prepare the case, and take it to the lenders and investors whose criteria you actually meet. We cannot approve a facility or commit an investor, and any broker claiming they can is worth walking away from.
Which industries do you work with?
We work with builders and developers, industrial units, manufacturers, jewellers, hotels and hospitality businesses, schools and colleges, and any other type of business with a funding requirement. Different sectors are read differently by lenders, which is part of what determines where a case is placed.
What documents do I need before applying for a business loan?
Typically audited financials and ITRs for the recent years, GST returns, current account statements showing regular trading, business registration and GST or Udyam registration, a stated purpose for the facility with a repayment plan, and details of any existing debt, security, or personal guarantees. We tell you exactly what is needed for your case before anything is filed.
Do you charge a fee, and is the first conversation free?
The introductory call is free and carries no obligation. It covers what you need to fund, what the money is for, and where the business stands, with no documents required. We agree any fee arrangement with you in writing before work begins, and nothing is filed with a lender or investor on your behalf until you have agreed to it.
Can you help if my business has already been rejected by a bank?
Often, yes. Most declines happen because the requirement was taken to a funder whose criteria it never met, or because the file left questions unanswered. We look at why the decline happened, tell you whether it is fixable now, and if it is not, set out what would need to change to make the business fundable.
What is AIF funding and who is it suitable for?
An Alternative Investment Fund is a SEBI-registered pooled investment vehicle, available in Categories I, II, and III. AIF funding suits requirements that need structured rather than plain vanilla capital, and it comes with compliance that has to be planned for rather than discovered late. It generally requires a corporate structure that can take the investment as proposed and statutory filings that are up to date.
Free, no obligation
Talk through your funding requirement
Tell us what you need to fund and where your business stands today. Kayra Bridge Fund will map the funding routes worth pursuing and what each one asks of you.