Welcome to Skyfinco. These terms and conditions outline the rules and regulations for the use of our digital platform and services. By accessing this website and utilizing our services, we assume you accept these terms and conditions in full.
1. Nature of Services
Skyfin operates as a financial intermediary and a multi-lender Direct Selling Agent (DSA). We act as a professional bridge between customers and various financial institutions, including major public/private sector banks and Non-Banking Financial Companies (NBFCs).
2. Scope of Financial Products
By engaging with Skyfin, users gain access to a broad portfolio of strictly vetted financial products, including but not limited to:
- Unsecured Loans: Highly competitive personal loans and rapidly disbursed business loans.
- Secured Loans: Favorable rate Home loans, Loan Against Property (LAP), and Vehicle loans.
- Specialized Financing: Machinery/Equipment loans and robust Working Capital loans tailored for SMEs.
- Investment & Protection: Authorized distribution of Mutual Funds (as an AMFI-registered distributor) and comprehensive Insurance plans (Life, Health, Motor).
3. Role as a Facilitator
Our operational mandate is explicitly defined as a facilitator within the financial ecosystem:
- Loan Sourcing: Skyfin identifies potential borrowers and markets various financial products on behalf of our esteemed lenders.
- No Guarantee of Approval: While we provide expert consultation to thoroughly evaluate loan eligibility and navigate complex lender policies, the final approval, loan amount, and disbursal are solely subject to the specific terms and policies of the partner banks and NBFCs.
- Documentation: We seamlessly assist in collecting and conducting preliminary verification of required financial documents to dramatically simplify the borrowing journey for our clients.
4. Partner & Executive Terms
For financial professionals, executives, and leaders choosing to partner with Skyfin, the following conditions apply:
- Commission Structure: Unlike traditional fixed salaries, Skyfin partners operate on a high-yield, performance-based model with absolutely no upper limit on earnings.
- Strategic Autonomy: Partners are empowered to leverage their own networks to build independent ventures, maintaining full control over client selection and working hours.
- Scalability: Experienced leaders possess the opportunity to scale operations exponentially by hiring sub-DSAs, effectively building a self-sustaining corporation under the Skyfin umbrella.
- Payouts: All partners are provided exclusive access to automated payout systems and real-time application tracking through our proprietary digital CRM dashboards.
5. Lender Network
Our premium services are provided in strict collaboration with a carefully vetted network of financial partners, including but not limited to:
- Banks: HDFC Bank, ICICI Bank, SBI, IDFC FIRST Bank, and Kotak Mahindra Bank.
- NBFCs: Bajaj Finserv, Tata Capital, Aditya Birla Capital, and Piramal Finance.
6. Limitation of Liability
Skyfin acts strictly as a facilitator and is not the primary lending institution. Consequently, we are not responsible for the specific interest rates, final repayment terms, or penalty clauses set by the final lending institution. Although our advisory team provides extensive guidance to help clients secure the best possible terms, all final loan agreements are legally binding contracts solely between the borrower and the respective bank/NBFC.