For SMEs with Rs 10 crore+ turnover · Thane & Mumbai
Working capital, term loans, project finance and loan against property for SMEs in Thane and Mumbai: Your business has grown. Let your funding grow with it.
- Funding for your next stage
- Without giving up tax savings
- Even if growth is ahead of books
Same bank. Same loan. One owner pays 8%, the other 10%. The difference is how the file is presented.
See what the bank reads →What clients say
5.0 ★ on Google, 27 reviewsWhat the bank reads in an SME
Every lender reads these four things. Present them well, take them to the right lender (the fifth), and the right funding follows.
Your financials
- Profit and its trend
- Debt and net worth
- Balance sheet strength
Your banking
- Steady use of bank limits
- No overdrawing
- No cheque returns
Your business
- Years in operation
- GST in line with books
- Key customers
Your security
- Property or machinery
- Receivables
- Existing mortgages
Three ways to strengthen your application
Plan before the year closes
- Tax and funding together
- CA and banker on the same page
Match the money to the need
- Long-term assets, long-term money
- Daily needs, working capital
Choose the lender first
- Keen on your industry
- Fit for your size
What happened when the file was presented the right way
From first call to funds in your account
The right funding for your next big step, without visiting bank after bank, even if you've banked with the same lender for years.
Review
Your balance sheet read the way a credit officer reads it.
Structure
The right product for each need.
Match
Only lenders keen on businesses like yours.
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
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
Questions SME owners ask
How do banks decide an SME's loan amount?
From your financials, banking conduct, the security offered and how keen the lender is on your industry. Two lenders can read the same balance sheet very differently.
Can I reduce the interest rate on my existing limits?
Often, yes: by presenting your financials better, restructuring the limits, or moving to a lender whose policy suits you. We check the full cost before you move.
My CA plans my profit for tax. Will that reduce my limits?
It can. Planning tax and funding together, before the year closes, keeps both in balance.
What turnover do you work with?
Mostly businesses with Rs 10 crore turnover and above, across manufacturing, trading and services.
Do you work only with banks?
Banks and NBFCs: more than 50 lenders, chosen to fit your need.
Is there a charge for the Lender's View call?
The 20-minute Lender's View call carries no charge and no obligation.
Your next step: two simple steps
Start with a call. If a full review is worth your time, we take it from there.
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 callBalance 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.
