Independent Credit Facilitation · Mumbai & MMR
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Arya
Agentic Loan AI · MeraEMI
AI
LIVE
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Free Readiness Check · No credit pull
Know your loan readiness in 2 minutes
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WHAT WE FACILITATE
Credit solutions
we work with
we work with
MeraEMI is not a lender. We connect you with the right lending partner.
VALUE-ADDED TOOLS
Free. No signup.
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EMI Master Calculator
Illustrative rate scenarios — not lender offers
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Loan Readiness Check
2-minute readiness score — no credit pull
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Loan Sahayak AI-powered
Agentic AI for post-disbursement grievances
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⚠ EMI Master Calculator uses illustrative rate scenarios only. No figures represent an actual lender offer.
OUR NETWORK
30+ lending partners
Banks · NBFCs · Fintechs · Partner-agnostic.
Note: T&C Apply. Lender Partners include tie-ups through affiliate partnerships including corporate DSAs. MeraEMI is not a lender and does not guarantee loans. Please check meraemi.com/terms before proceeding further.
THE PROCESS
How MeraEMI works
01
Talk to Arya
Tell her your loan requirement. No forms, no documents. She understands business context in plain language.
02
Readiness in 2 minutes
Arya gives you an indicative readiness score — no credit pull at this stage. Know where you stand before a lender does.
03
Lender matching
MeraEMI shortlists 2–3 lenders from our 30+ network most suited to your profile, product, and location.
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Assisted application
We prepare your credit brief and support your lender application — not just a referral. We stay with you through disbursal.
05
Your credit report, explained
During documentation we pull your CIBIL report and your loan specialist walks you through it — what each factor means, and how a lender reads it. Most borrowers see their own report properly for the first time.
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Ask Arya
Business lending
⚡ Business loans, property-backed lending and working capital. By continuing you consent to AI processing of your responses by MeraEMI’s sub-processors (Google Gemini, Anthropic Claude) — see our Legal Framework §4.6.
Talk to a MeraEMI Loan Specialist
Human assistance · Response within 24 hrs
💬 Our loan specialists are available Mon–Fri 10am–5:30pm and Saturdays 10am–4pm IST (2nd and 4th Saturday closed). We'll call you back within 24 working hours.
By submitting, you authorise MeraEMI to contact you regarding your loan enquiry. We store your name, mobile and message for this purpose — see our Privacy Policy. No credit pull at this stage.
Our Story
About MeraEMI
MeraEMI is an independent credit facilitation platform, connecting self-employed business owners across Mumbai and the MMR with the right lender.
We work with 30+ lending partners across banks, NBFCs and fintechs. Arya, our Agentic Loan AI, checks your eligibility against real lender criteria before you ever speak to a lender — so you know where you stand before you apply. A human loan specialist takes it from there.
MeraEMI is not a lender, bank or NBFC. We suggest the right fit for your profile; the credit decision always rests with the lender.