Banker-grade appraisal,
before
your file reaches the bank.
RPD Financial Solutions Pvt. Ltd. structures debt for MSME and mid-market promoters across Maharashtra. We build the appraisal a lender would otherwise build after you apply — CMA data, project report, DSCR and end-use justification — then place the mandate with the one lender whose policy fits it.
- Appraisal built in-house by CAs
- One matched lender, not ten applications
- Fees agreed in writing before we start
What you actually get
The work, named
Most consultants describe an outcome. These are the documents that leave our office on your mandate — the same pack a bank's own credit team would assemble, prepared before the file is submitted rather than demanded after it.
CMA data
Credit Monitoring Arrangement statements — audited past years, current position and projected years, in the format your lender actually accepts.
Detailed Project Report
Technical and commercial write-up for a new or expanding project: capacity, cost, means of finance, market and implementation schedule.
DSCR and repayment modelling
Debt service coverage worked through the tenure, with a sensitivity view so the repayment survives a bad year rather than only a good one.
TOL/TNW and leverage appraisal
Total outside liabilities to tangible net worth, current ratio, leverage and turnover ratios — the numbers a credit note is written around.
Working capital assessment
Limit sized to your operating cycle and holding levels, computed on the basis your lender applies rather than a round figure.
End-use justification note
A documented purpose for the borrowing, tied to the project or the cash cycle it funds.
See all nine deliverables, and the seven steps they come out of →
The method
Seven steps, published
Publishing the method is what separates an adviser from a broker. This is ours, in the order it happens.
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01
Financial SWOT
We read the last three years of financials, the current book and the security available, and tell you plainly what a credit officer will see. Strengths get built into the proposal; weaknesses get addressed before a lender finds them. This starts with a free 15-minute eligibility assessment.
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02
Instrument design
Term loan or cash credit, LAP or project finance, one facility or a mix — the instrument is chosen against your cash cycle and repayment capacity, not against whatever the nearest bank happens to be pushing this quarter.
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03
End-use justification
A credit committee sanctions a purpose, not an amount. We document what the money buys, why it earns, and how it services itself — the step most files skip and the one that most often decides them.
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04
Banker-grade appraisal
Our chartered accountants build the appraisal pack the bank would otherwise build after you apply: CMA data, projections, DSCR, TOL/TNW and working-capital assessment. The file reaches the credit desk already answering its questions.
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05
Lender matching
Your file goes to the lender whose written policy fits your profile — sector, vintage, security, banking conduct — rather than to ten lenders at once. Ten applications leave ten enquiry footprints and ten chances to be recorded as declined.
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06
Documentation and gap-fixing
Most rejections are not credit calls; they are incomplete files, mismatched GST and books, unregistered charges, stale valuations. We audit the documentation and close the gaps before submission rather than after a rejection.
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07
Sanction, disbursal and after
We follow the file through credit, sanction terms, and disbursal — and stay on for what the sanction obliges you to keep doing: stock and book-debt statements, renewals, subsidy claims and compliance MIS.
What we arrange
Debt across eight verticals
Project Financing
Long-term funding for new and expanding projects.
Working Capital Finance
Cash-cycle funding to keep operations moving.
Home Loans
Purchase, construction and balance transfer.
Mortgage Loans
Unlock value from property you already own.
Business Loans
Unsecured and secured funding for enterprises.
Vehicle & Equipment Loans
Personal, commercial and plant financing.
Personal Loans
Fast, unsecured credit for individual needs.
Advisory & Restructuring
Rework existing debt into workable terms.
Government schemes
Subsidy is a separate file from your loan
PMEGP, CMEGP, CGTMSE, Stand-Up India, PMFME and the state Package Scheme of Incentives all have their own eligibility, their own filing and — the step most units lose — their own claim process after sanction. We run the scheme layer end to end, including the compliance the approval obliges you to keep filing.
MSME schemes & subsidy →Industry knowledge
Files are read by sector, so we work by sector
An onion trader in Pimpalgaon, a foundry in Kolhapur and a powerloom unit in Malegaon do not fail credit for the same reasons. We tag every mandate by sector so the appraisal argues in the terms that sector's lenders actually use.
Industries we serve →Areas we serve
Nashik-based, working across Maharashtra
Assessment and appraisal are done from our Nashik office; lender relationships run across the state.
Insights
How lending decisions actually get made
What a credit officer actually reads first in an MSME file
The order in which your file is read is not the order in which you assembled it. Knowing that changes what you put in front.
CMA data, explained for promoters
Your bank asked for CMA data and your accountant went quiet. Here is what it is, what it is for, and where files go wrong.
Why one matched lender beats ten applications
Applying everywhere feels like maximising your chances. On a bureau report it looks like something else entirely.
Common questions
Are you a bank or a broker?
Neither. We are a chartered-accountant-led debt advisory firm. We build the appraisal — CMA data, projections, DSCR, project report — and then place the mandate with the lender whose policy fits it. The lending is done by banks and NBFCs; the case for lending is built here.
What does the free assessment cover?
Fifteen minutes on your requirement, your last financials in outline and the security available, ending with a plain answer on what is raisable and on what basis. If we take the mandate on, you get a written fee proposal — not free file work.
Do you publish your fees?
We publish the model: a retainer for the appraisal work and a success fee on sanction, sized to the mandate and agreed in writing before anything starts. The figures for your file are quoted in that proposal.
Which lenders do you work with?
Nationalized, private and co-operative banks and NBFCs. Which of them sees your file depends on your profile, not on our convenience.
Where do you operate?
From Nashik, across Maharashtra. Assessment and appraisal work happens here; lender relationships extend across the state.
Start with fifteen minutes.
A free eligibility assessment, ending in a plain answer on what is raisable and on what basis. If we take the mandate, you get a written fee proposal before any work begins.