Aadhya Financial Consultancy

For SMEs with Rs 10 crore+ turnover · Thane & Mumbai

Project finance for SMEs in Thane and Mumbai: Your new plant, from plan to first production.

  • Funding shaped to your project
  • Without waiting for revenue
  • Even if it's your biggest yet
Book a 20-minute Lender's View call
Venkatraman Iyer
5.0 on Google · 27 reviewsRs 750 Cr+ arranged · 50 banks and NBFCs
WHAT CLIENTS SAY

What clients say

5.0 ★ on Google, 27 reviews
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Mayank Purohit
G
“Passion, knowledge and a genuine interest in achieving the best for clients is what makes a truly professional Financial Adviser. Aadhya Financial Consultancy has this and more…”
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Harshad Agawane
G
“Venkatraman Sir is a very polite, knowledgeable, and passionate professional. With over 20 years of experience and a deep understanding of the products, he always takes a…”
A
Abhijit Bardhan
G
“He is someone that does understand the nitty gritties of various products across finance and advices you on the one which would most strategically work for you… Most of the…”
D
Dinesh Thotam
G
“Best Home loan and Mortgage loan consultant in Mumbai.”
S
Santosh Shinde
G
“Aadhya Financial Consultancy exceeded my expectations with their professionalism and commitment to delivering results. Their tailored solutions have brought clarity and confidence…”
V
Vinay Ghuwalewala
G
“Best Consultancy. Very good relationship with bankers for the best deals for customers and fastest deliveries to customers.”
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Nazim Virji
G
“Highly recommended for improving the cost of finance for your company.”
M
Madhav Mehta
G
“Honest and commited. They deliver their best efforts and fantastic customer experience”
A
Akash Raut
G
“Professional approch, they solved my requirements on time.”
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Hasan Shaikh
G
“Excellent service, timely resolution ,quick reponse”
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Nikhil Desai
G
“Prompt services for all your financial needs”
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Nikhil Purohit
G
“Awesome experience. Superb service.”
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Chandan Yadav
G
“Very fast, safe and secure.”
G
Gulshan Chopra
G
“Excellent delivery of works”
M
Mohammad Iftekhar
G
“Good financial consultancy”

Read all reviews on Google →

Project finance for a new unit or plant · Thane & Mumbai

Your new plant, planned to succeed.

Your plant built and running on plan, without pausing midway for funds, even if costs move during construction.

A promoter and his son studying a model of their new plant
Did you know?

A sound project succeeds when repayment starts after revenue does. That's decided in the structure.

How we help

We read the project the way a credit committee will and set the contribution, moratorium and working capital right.

Documents for your case

Tell us four things and we'll send your exact list on WhatsApp.

Get my document checklist on WhatsApp

Expansion finance for SMEs · Thane & Mumbai

Fund your next big expansion, with every limit in balance.

Funds for a large expansion, without disturbing your existing limits, even if you bank with more than one lender.

A woman factory owner walking through her new extension
Did you know?

Expansion funding works best when the new and existing limits are planned together.

How we help

We plan the expansion loan alongside your current limits, so the whole structure stays balanced.

Documents for your case

Tell us four things and we'll send your exact list on WhatsApp.

Get my document checklist on WhatsApp

Project loan takeover for SMEs · Thane & Mumbai

Your project loan, on terms that suit it today.

Better terms for your running project loan, without a fresh application from zero, even if the project is still ramping up.

A promoter reviewing papers in his running plant
Did you know?

An existing project loan can often move to a lender whose terms suit the project today.

How we help

We compare the full cost and terms, and move it only when it clearly pays.

Documents for your case

Tell us four things and we'll send your exact list on WhatsApp.

Get my document checklist on WhatsApp
HOW WE WORK

From first call to funds in your account

From project report to first disbursement, without visiting bank after bank, even if your project report is still being prepared.

1

Review

Your balance sheet read the way a credit officer reads it.

2

Structure

The right product for each need.

3

Match

Only lenders keen on businesses like yours.

4

Disburse

With you until the money reaches your account.

Our commitment: we work to get you the full amount your plan needs, so every part of it is covered.

Lender's View Self-Check, a one-page check by Aadhya Financial Consultancy
FREE SELF-CHECK

Lender's View Self-Check

See your business the way a bank's credit officer reads it, before your next renewal or loan. Ten Yes or No questions across the five things every lender reads, and your score in 10 minutes.

  • Your score out of 10
  • Where your file is strong, and where to plan first
  • Done with your last 3 years' financials, or with your CA
FAQS

Project finance questions, answered

How much do I need to bring in for a project?

Lenders usually expect the promoter to fund a part of the project cost. The share depends on the project, the industry and the lender.

What is a moratorium?

A period at the start when repayment is paused or reduced, so the loan is repaid from the project's revenue rather than before it.

Do I need a project report?

Yes. A clear project report with costs, means of finance and projections is the base of every project loan. We review it the way a credit committee will.

Can more than one lender fund the project?

Yes. Large projects are often funded by two or more lenders together.

Your next step: two simple steps

Start with a call. If a full review is worth your time, we take it from there.

STEP 1

20-minute Lender's View call

Tell us about your business and your current bank facilities. We'll tell you how a credit officer is likely to read your profile, and whether a full review is worth your time.

Book my Lender's View call
STEP 2 · FREE · ONLY 5 A MONTH

Balance Sheet Review

You share the last 2 years' audited financials, the current year's provisional figures and your current sanction letter(s). We study them the way a credit officer does, against everything a lender reads. Free for 5 businesses a month; we'll offer it on the call if it fits. In a 45-minute meeting you get a one-page report:

  • Where you stand on everything a lender reads
  • What to strengthen before the year closes
  • Which lenders are keen on a profile like yours

There's no pressure. We'll just see if we can help.

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