Banks reject most first-time proposals on the paperwork, not the business. We prepare the file the way the credit team expects to receive it.
We reply within 15 minutes during Mon–Sat, 10am–7pm.
Businesses seeking term loans, working capital limits, MSME or MUDRA finance, or loans against property — and anyone whose earlier application came back declined.
| MUDRA — Shishu | Up to ₹50,000 |
|---|---|
| MUDRA — Kishore | ₹50,000 to ₹5 lakh |
| MUDRA — Tarun | ₹5 lakh to ₹10 lakh |
| CGTMSE collateral-free cover | Up to ₹5 crore for eligible micro and small enterprises |
Different banks have genuinely different appetites by sector and ticket size. Applying to the wrong lender wastes a month and leaves a declined application on record.
We look at what the credit team will look at — current ratio, debt-service coverage, and the consistency between your GST returns, bank statements and books. Inconsistency between those three is the most common silent rejection.
Project cost, means of finance, projected profitability, break-even and sensitivity analysis.
The prescribed format for working capital assessment — past performance, projections and fund-flow.
We respond to the credit team's queries directly, which is usually faster than routing them through you.
Reviewing sanction terms before you sign them.
Two to four weeks to prepare a complete file. Bank sanction typically four to twelve weeks depending on the lender and ticket size.
Most sanctions carry ongoing conditions — periodic stock statements, renewal of limits, end-use certificates. Missing these can trigger a review of the facility.
Yes, but not by resubmitting the same file. We would want to understand why it was declined first — usually it is a coverage ratio, an unexplained gap between GST turnover and declared turnover, or a CIBIL issue on a promoter, and each needs a different fix.
A standard spreadsheet format banks use to assess how much working capital you genuinely need, based on your operating cycle. Banks will not process a working capital proposal without it.
Under CGTMSE, yes, up to ₹5 crore for eligible micro and small enterprises — the scheme guarantees the bank instead of you pledging property. Not every branch offers it readily, which is part of choosing the right lender.