Business Funding
Business funding advisory — structured for the right lender, not the loudest one.
Term loans, overdrafts, working capital, machinery finance, CGTMSE, LAP — matched to your cash cycle, not pushed to whoever picks up first.
Products we structure
Business Loan
Unsecured term loan for working capital, expansion or one-time spend.
Loan Against Property
Highest tenure, lowest rate. Best used for long-tenure capex or refinancing costlier debt.
Business Overdraft
Revolving limit for working-capital swings — pay interest on the used portion only.
Working Capital Finance
CC, OD, bill discounting and post-shipment lines matched to your operating cycle.
Machinery Finance
Asset-backed term loans for plant, machinery and equipment with structured repayments.
Commercial Vehicle Finance
For new and used CV purchases, with route and operator-based programs.
CGTMSE Funding
Collateral-free MSME credit up to ₹5 Cr under the Credit Guarantee scheme.
Compare structures before you choose
- Business Loan vs LAP — speed vs cost
- Business Loan vs Overdraft — one-time spend vs revolving cycle
- Secured vs Unsecured Business Loan — collateral vs rate
- Bank vs NBFC Business Loan — policy box vs pricing
- GST-loan vs Traditional Loan — turnover vs ITR
- Private vs Public Sector Bank — risk appetite vs rate
Our diagnostic approach
- Credit readiness — CIBIL, enquiries, mix
- Banking readiness — average balance, bounces, cash ratio
- GST readiness — turnover reconciled to banking & ITR
- Tax readiness — ITR strength vs declared income
- Financial readiness — DSCR, FOIR, obligations
- Documentation readiness — KYC, vintage, ownership proofs
FAQ
Common questions
Why did one bank reject my file while another approved it?+
Every bank has its own credit policy — sector exposure, vintage thresholds, profile boxes, regional risk. The same file can be a clear no at one and a clear yes at another. We pre-screen against real lender policy before any submission.
Can GST turnover compensate for low declared income?+
Partially — many NBFCs and some banks have GST-based programs that lean on turnover. But banking, ITR and GST still need to line up. A 3x mismatch between GST turnover and ITR is the most common auto-reject trigger.
Why do profitable businesses fail eligibility checks?+
Usually one of four — over-optimised tax, weak banking, high existing obligations, or sector restrictions. Profitability isn't underwritten; the file is. We diagnose which of these four is blocking you before re-applying.
Next step
Get your file reviewed before you apply again.
Share basic details — a senior advisor will read your profile, diagnose what's blocking approval, and tell you exactly what to fix first.
- No CIBIL pull until strategy is agreed
- No blind portal submissions
- Review by a senior advisor — not a call-centre agent
Explore further
Continue your funding readiness journey
Funding Readiness Assessment
Score your business against the 6 pillars lenders actually evaluate.
Why Loan Applications Get Rejected
The 8 silent killers behind approval failures — and how to fix each.
Tax Planning for Loan Eligibility
How ITR & GST decisions today decide your borrowing capacity tomorrow.
Business Loan vs LAP
Which structure actually fits your cash flow, risk and tenure.
Credit Profile Improvement
From low CIBIL or rejection to a fundable file — the structured way.