For Business Owners
Funding Solutions for Business Owners — Term Loans, OD, LAP & More
MSME business owners need a financing partner who reads the file the way an underwriter will. From capex to working capital, here's how we help.
What we do for business owners
Credit readiness diagnosis
We read your CIBIL, banking, ITR, GST, obligations and collateral the way an underwriter will — and tell you exactly what's blocking approval before you apply anywhere.
Product fit
Term loan vs OD vs CC vs LAP vs CGTMSE — we match the instrument to the use of funds, not the other way around. The wrong structure costs you 4–8% in rate or hundreds in EMI.
Lender match
40+ partner banks and NBFCs. Each has different policy boxes, sector preferences, ticket caps and rate ranges. We shortlist the 1–2 best fits for your file before any submission.
Documentation & submission
We prepare the complete file — KYC, ITR, GST, banking, stock statement, MIS, reconciliation notes — so the underwriter sees a clean, well-presented case, not a pile of papers.
Negotiation
When the offer comes in, we negotiate rate, tenure, processing fee and prepayment terms. The first offer is rarely the best — most lenders have flex depending on the strength of your file.
Post-disbursement support
We help with documentation completion, RCC reviews, drawing power optimisation, and renewal planning — the work that keeps your facility healthy over time.
Typical engagement for a business owner
- Free 30-minute discovery call to understand your need and current file
- Funding readiness scorecard across 6 pillars — shared in 48 hours
- Specific fixes identified (CIBIL, banking, ITR, GST) — usually 1–6 month roadmap
- Once file is ready, 1–2 lenders shortlisted based on policy fit
- Complete documentation pack prepared and submitted
- Offer negotiation — rate, tenure, fees
- Disbursement coordination and post-disbursement handover
Common scenarios
How we've helped business owners like you
Manufacturer with low ITR profit
Tax-optimised ITR was killing DSCR. We helped structure a 6-month plan to declare higher profit, then secured ₹1.5 Cr LAP against factory premises at 10.5% (vs 17% NBFC would have charged).
Trader with cash-heavy banking
Banking was 60% cash deposits — auto-decline at most banks. 6-month cleanup of digital credits + reconciliation note → ₹50 L bank CC at 11% (vs 22% fintech alternative).
Established business with multiple expensive loans
₹80 L of credit card + personal loan + small ODs averaging 22% p.a. Consolidated into one LAP at 10.5%, saving ₹9 L/year in interest.
Fast-growing startup needing scaling capital
Bank wouldn't lend (vintage too short, ITR weak). Structured CGTMSE-backed ₹40 L term loan + ₹25 L NBFC OD for working capital. Total funding ₹65 L at blended 14% rate.
FAQ
Common questions
Do you charge the business owner for your service?+
No — our advisory is free for the borrower. We are paid by the lender on successful disbursement (a commission built into the loan pricing — the same rate you'd get going direct). You pay nothing extra to use us vs going direct; you get the value of expert advice and lender matchmaking.
Will you pull my CIBIL report?+
Only with your explicit consent, and only when we're ready to submit to a specific lender. We do a 'soft' assessment first based on what you tell us + your bank statements. Hard enquiries only happen at submission — and only to the 1–2 best-fit lenders we've shortlisted, not 5+ random ones.
What if my file isn't ready for a loan yet?+
We'll tell you honestly. If your CIBIL is too weak, banking too messy, or ITR too thin, we'll give you a 3–6–12 month roadmap with specific fixes. Once you've completed the fixes, we'll re-evaluate and approach lenders. There's no charge for the roadmap — we want your file to be approval-ready when you apply.
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.