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Our vision is for every SME to have access to affordable credit when they need it the most.

With a vast experience in the financial sector across varied product portfolios in both Indian and Multinational Banks; we provide customised solutions best suited for your financial needs at the most competitive commercial terms.

Our Expertise: # Project Finance. # Working capital limits # Secured and Unsecured loans # CGTSME Limits # Debt Consolidation

25

More than 25+ years in business

100

100+ Cr. Loan amount disbursed

25

25+ institutions we work with

Best Consumer Experience

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Meet our leadership

With more than two decades of experience in SME, Retail Banking, Credit and Risk Management; Harjinder has been associated with some of the leading Indian and multinational banks viz. HSBC, ICICI, ABN Amro, Deutsche and IndusInd Bank.


He has a very vast understanding of the financials of an Individual, Retailer, SME, Mid-Corporate or a Corporate and is a renowned name in the Industry having handled a wide spectrum of product and business portfolios specialising in raising working capital for the SME segment. He has directly managed a large pool of more than 1000 HNI clients and has disbursed loans close to 5000 crores encompassing both unsecured and secured products.


A Masters in Business Administration (Finance) from the reputed B School - Fore School of Management, New Delhi; he has demonstrated exemplary results with his strong business acumen leading to organizational success and growth during his tenure. Harjinder founded Abacus Capita with a belief that “Every SME should have access to affordable credit when they need it the most.

Our Core Values

We do what we say and deliver on our promises.

We are always open and honest with our clients and partners because this is how we build trust.

We are subject matter experts who make statements based on facts.

We strive for excellence in all that we do.

We never rest on our laurels; rather, we strive every day to provide better, simpler, and easier solutions.

Harjinder Chabbra, Founder

  • Zonal Head - North - SME Loans, Business Banking, Indusind

    INDUSIND BANK, 2018

    Handling the complete North and Eastern India Markets for MSME business loans

  • Regional Manager - Business Loans, Business Banking

    Deutsche Bank, 2014

  • PGDBM, Finance from FSM, Delhi

    FSM, Delhi, 2003

Abacus Capita Partners With 25+ Institutions

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Your personal information is completely secure with us.

Frequently asked questions


  • Working with Abacus Capita allows you to concentrate on what is important: growing your business.
  • We do all of the legwork for you and do not charge a service fee.
  • When you apply through us, you will have a minimal impact on your credit score.
  • If you approach a lender directly, they will perform a hard pull on your credit score. Your credit score is impacted each time you apply directly to them. As a result, every time you apply directly to a lender and are turned down, your credit score suffers.
  • With Abacus Capita, we can quickly determine whether you are eligible for a loan and locate the best loan for you without affecting your credit score.
  • If you are not eligible, we will explain why and give you suggestions on how to improve your profile and your chances of getting a loan in the future.
  • One application grants you access to over 25 lenders and 100 different types of business loans.
  • You'd have to go directly to more than 25 lenders to get access to such a diverse range of business loans. Each would require you to fill out a different application and produce different documents.
  • We do all of the legwork to find you the best loan possible, and you only need to fill out one application.

We have your back.

  • We ensure that you can afford the loan you want by performing an affordability analysis to ensure that you do not incur more debt than you can afford.
  • We also prepare your application and do all of the legwork in negotiating the best terms for you.
  • We tell you exactly what documents you'll need to submit up front. A complete list of document requirements can be found here.
  • We also review your documents to ensure that you are not rejected because you forgot to include an important piece of paper.
  • There is no hassle. There are no fees. There will be no effect on your credit score.

    • We will work with you to understand your needs and assist you in preparing for future debt. When you are ready, we will assist you in obtaining a loan from an appropriate lender at the most favourable terms and conditions.

    Applying to multiple lenders does not ensure a loan approval. Furthermore, multiple applications will impact your credit score negatively and lessen your chances of getting a loan in the future.

    Multiple applications with the same lender will have no effect on the outcome. It will only have a negative effect on your credit report. If a lender rejects a loan once, it is very likely that the lender will reject it again unless something fundamental has changed in your business.

    When you apply for a loan, your bureau credit score is only one of many factors that a lender will consider. Lenders evaluate your ability and willingness to repay a business loan, including whether your company generates enough revenue to repay the loan and whether you are willing to repay the loan on time. Because it reflects your repayment history, your credit score is a good indicator of your willingness to repay.

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