Service 05
Business Loans
Secured and unsecured facilities for MSMEs and established businesses — expansion, machinery, inventory or opportunistic capital.
Who this is for
MSME promoters, traders and professionals who need capital faster than a full project appraisal cycle allows.
What we deliver on this mandate
- Eligibility view across banks, NBFCs and MSME schemes
- Banking-conduct and GST-to-books reconciliation before submission
- Credit-guarantee route assessed where collateral is short
- Structuring so the EMI does not strangle the working cycle
How the file is built
- 01Financial SWOTWritten position on what you can raise, and on what basis.
- 02Instrument designFacility structure, tenure and repayment profile.
- 03End-use justificationEnd-use note tied to the project or operating cycle.
- 04Banker-grade appraisalCMA data, projections, ratio and DSCR workings, project report.
- 05Lender matchingA matched lender, with the reasoning shown to you.
Questions we get on business loans
Unsecured loan or a secured facility?
Unsecured is faster and costlier; secured is slower and cheaper. The right answer depends on how long the money is needed for. Borrowing short-tenure money for a long-tenure purpose is the most common expensive mistake we see.
My GST returns and my books do not agree. Is that fatal?
It is a common reason for decline, and it is usually fixable — but before submission, not after. This is exactly what the documentation audit is for.
Fifteen minutes will tell you if this is the right instrument.
Free eligibility assessment, then a written fee proposal if we take the mandate on.