Industries
Credit is judged by sector. So is our work.
A foundry, a powerloom unit and an onion trader do not fail credit for the same reasons, and they should not be presented as though they might. Every mandate is tagged by sector so the appraisal argues in the terms that sector's lenders already use.
Engineering & auto components
Job-work cycles, OEM receivables and machinery capex — files turn on order visibility and on how receivables from a small number of large buyers are presented.
Pharma & chemicals
Regulatory approvals, long validation cycles and heavy inventory. Lenders read compliance history as closely as the balance sheet.
Food processing & agri-trade
Seasonal, commodity-priced and often scheme-eligible. Working capital has to be sized for a peak that lasts three months, not twelve.
Textiles & powerloom
Thin margins and long chains. Limits are frequently under-assessed here, and the fix is a properly documented operating cycle.
Plastics & packaging
Machinery-led capex with raw-material price swings; term loan and cash credit usually need to be structured together.
Construction & real estate
Project-linked funding, approvals risk and phased drawdown. Documentation of sanction conditions matters more than in any other sector.
Healthcare & diagnostics
Equipment finance against a defined earning pattern; professionals are assessed differently from companies and should be presented that way.
Logistics & warehousing
Fleet and shed finance, refinance against owned assets, and repayment matched to contract tenure.
Wine, grape & horticulture
Nashik-belt specifics — seasonality, cold-chain capex and scheme eligibility that most generalist advisers miss.
Retail & wholesale trade
Stock-heavy, GST-visible businesses where books-to-returns consistency decides the file.
Education & institutions
Trust and society structures with their own lending rules, security norms and documentation.
Professional services
Practice expansion and equipment finance, assessed on professional income norms rather than trading ratios.
Your sector is not listed?
The list reflects where most of our files sit, not the limit of what is financeable. The assessment is free either way, and fifteen minutes is usually enough to tell you whether the sector is the obstacle or something else is.
Book the assessmentBring us the sector-specific problem.
Seasonal limits, order-book concentration, thin books against strong cash flow — these are appraisal problems, and they are solvable on paper.