Loans we arrange
| Loan | Useful for |
|---|---|
| Term loan | New projects and expansion – building, machinery, fit-out |
| Working capital – cash credit / overdraft | Stock and debtors; renewal and enhancement of existing limits |
| Machinery and equipment loan | Single machines or lines, often with the machine as security |
| Mudra (PMMY) | Collateral-free loans: Shishu up to ₹50,000, Kishor up to ₹5 lakh, Tarun up to ₹10 lakh, Tarun Plus up to ₹20 lakh (after repaying a Tarun loan) |
| CGTMSE-covered loans | Collateral-free loans for micro and small units, guarantee ceiling now ₹10 crore; 90% cover for women-owned units |
| Project finance | Hotels, resorts, hospitals, warehouses, cold storage, food processing and manufacturing |
| Loan against property / construction finance | Raising funds against commercial or residential property |
| Solar and renewable energy loans | Rooftop and captive solar, often with faster payback than expected |
| Takeover / balance transfer, top-up | Moving to a lower rate or adding funds |
| Restructuring / one-time settlement support | Units under stress that need a workable repayment plan |
| Export finance (packing credit) | Pre-shipment and post-shipment funding for exporters |
What a bank looks at
- Repayment capacity – DSCR (cash available ÷ instalments) of about 1.3–1.5 or more over the loan period.
- Promoter contribution – usually 20–25% of project cost; lower under some schemes.
- Credit history – CIBIL score and any overdue or settled accounts. We help fix errors first.
- Security – primary security on assets financed; collateral reduced or removed under CGTMSE.
- Documents – KYC, Udyam, GST, ITR and financials, bank statements, project report, quotations, land / lease papers.
How we work
- Free first discussion – your project, existing loans and what you need.
- Loan sizing and the best combination of loan + subsidy.
- DPR, CMA data, projections, DSCR and break-even.
- Choice of lender and submission of a complete file.
- Meetings and queries with the bank until sanction.
- Documentation, disbursement and linking of the subsidy claim.
The credit decision is always the bank's. We do not take money in the name of any bank officer, and we do not promise approval – we make sure your file is complete and strong.
Try the EMI, eligibility and subsidy-adjusted cost calculators and the free compliance health check.