Business Loan Assistance
Documentation review and lender matching so your working capital or term loan file goes in complete the first time.
Most business loan applications are not refused on the merits of the business. They are refused because the file was incomplete, the financials did not support the amount sought, or the borrower approached a lender whose criteria they were never going to meet.
The work here is preparation and matching — getting the documentation into the shape a credit team expects, and directing the application to a lender whose appetite fits your profile.
Choose a package
CGTMSE Loan Consultation
₹2,754 plus GST
- A half-hour video call with a banking specialist
- Documents vetted before submission
Consultation
₹2,754 plus GST
- A half-hour video call with a banking specialist
- Documents vetted before submission
What lenders actually assess
- Credit score and repayment history of the business and its promoters
- Turnover and profitability trend over the last two to three years
- Debt service coverage — whether cash flow supports the proposed repayment
- Existing borrowings and the total exposure across lenders
- Bank statement conduct — cheque returns, overdrafts, and average balances
- Consistency between GST returns, income tax returns and the financial statements
- Security offered, and its valuation
- Vintage of the business and stability of its customer base
The consistency problem
The single most common reason a well-run business fails a credit assessment is inconsistency between its own filings. Turnover in the GST returns that does not match the income tax return, or financial statements that do not reconcile to either.
Credit teams pull all three. A difference may be entirely explainable — timing, exports, schedule III supplies — but if the borrower cannot explain it on the spot, the file stalls. Reconciling before submission rather than after a query is most of the value.
The types of facility
- Working capital — cash credit or overdraft against stock and receivables
- Term loan — for equipment, expansion or premises
- Loan against property — secured on immovable property, generally at lower rates
- Collateral-free lending under the credit guarantee scheme for MSMEs
- Invoice discounting and bill discounting against receivables
- Machinery and equipment finance
What we do not do
We do not guarantee sanction, and nobody honestly can. The credit decision belongs to the lender, and any intermediary promising approval is either overstating their role or proposing something you should not be part of.
What we do is present the file properly and direct it where it has a realistic chance, which materially improves the odds and shortens the process.
How we handle it
- 1 Assessing eligibility We review your financials and conduct against typical lender criteria and give you a realistic view before any application is made.
- 2 Reconciling the filings GST, income tax and financial statements are reconciled so differences are explained in the file rather than raised as queries.
- 3 Preparing the file The application set is compiled in the form credit teams expect, with a note on purpose and repayment capacity.
- 4 Matching to lenders The application is directed to lenders whose appetite fits your profile, rather than filed everywhere at once.
- 5 Query handling Credit queries are answered promptly, which is often what determines whether a file progresses or lapses.
- 6 Sanction and documentation We review the sanction terms with you and assist through the documentation and disbursement formalities.
Frequently asked questions
Can you guarantee my loan will be approved?
No, and you should be wary of anyone who says otherwise. The credit decision is the lender’s. What preparation does is remove the avoidable reasons for refusal.
Why do lenders compare my GST and income tax returns?
Because inconsistency between them is a credit risk indicator. Differences are often legitimate, but they must be explainable — an unexplained gap stalls the file.
Can I get a loan without collateral?
Yes, through the credit guarantee scheme for MSMEs and through unsecured business lending, though limits are lower and rates higher than for secured facilities.
How much can I borrow?
It depends on turnover, profitability and existing exposure. Lenders assess whether cash flow can service the repayment, and that assessment sets the ceiling more than the security offered.
Will multiple applications hurt my chances?
Yes. Each enquiry appears on your credit report, and a cluster of them signals distress. Targeting the right lenders is better than applying broadly.
What is not included. Government fees, statutory charges, stamp duty, court and registry fees, digital signature costs and any third-party professional charges are separate and payable at actuals. GST applies on professional fees where indicated. Prices shown are indicative and may change without notice; we confirm the total in writing before any work begins — see our terms on pricing.
Talk to us about Business Loan Assistance
Share your requirement and our team will confirm the documents needed, the exact charges and a realistic timeline — usually the same working day.
- Expert document checking before submission
- Regular status updates on WhatsApp
- Transparent professional charges
- Assistance in Marathi & English
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