Turn Banking Surrogate into Instant Business Cash
Unlock fast, flexible Banking Surrogate Loans from Omozing, powered by Aparampaar Finance Pvt. Ltd., an RBI-registered NBFC. Improve cash flow without waiting for customer payments.
Promoting development among unbanked or under-banked families.
Empowering Self-Help Groups for national economic development.
Supporting startups and women entrepreneurship across the nation.
What are Banking Surrogate Loans 2026?
A smart way to secure business funding based on your banking track record rather than collateral.
In 2026, the Banking Surrogate Program has evolved into one of the most efficient tools for MSMEs and Startups. Instead of relying solely on Profit & Loss statements or balance sheets, a Banking Surrogate Loan analyzes your recent banking transactions, average monthly balance (AMB), and cash flow patterns. This “surrogate” method allows Aparampaar Finance to provide credit to healthy businesses that may not have traditional collateral but possess strong operational cash flows.
Data Analysis
We analyze your last 12 months of bank statements to assess your repayment capacity.
Instant Approval
Our AI-driven credit engine provides a surrogate score for near-instant decisions.
Funds Disbursed
Once approved, the cash is transferred to your business account to fuel your growth.
Why Choose Omozing & Aparampaar Finance?
- RBI Registered: Total peace of mind with an RBI-registered NBFC (Aparampaar Finance Pvt. Ltd.).
- No Collateral Required: Focus on your banking history, not your assets.
- Women-Centric: Special focus on promoting women entrepreneurs with tailored interest rates.
- Digital First: A 100% paperless application process for the 2026 digital economy.
Frequently Asked Questions
Who is eligible for a Banking Surrogate Loan?
Small business owners, startups, and self-employed professionals with a consistent banking record of at least 12 months are eligible.
How does Aparampaar Finance use the surrogate method?
We use your bank statement as a ‘surrogate’ for financial strength, looking at your turnover and balance trends rather than demanding heavy property documentation.
Can SHGs apply for these loans?
Yes, Omozing actively promotes Self-Help Groups (SHGs) as part of our mission to drive national socio-economic development.