STEP 01
Realistic assessment
We look at turnover, vintage, banking conduct and security available, and tell you what is achievable before you apply.
Business & Startup Loan Consultants in Ahmedabad
A business loan is assessed on three things: what your filed returns show, whether your projections follow from them, and what security you can offer. Makhija & Company prepares working capital, term loan, unsecured cash credit, machinery and startup finance applications for Ahmedabad businesses — including the CMA report lenders appraise against.
Business & Startup Loans — the short version
| Facility types | Working capital, term loan, unsecured cash credit, machinery finance |
|---|---|
| Startup finance | For units with no lending history, where the project report carries the case |
| Key document | CMA report — past figures and projections in the lender's format |
| What lenders check | Filed returns, banking conduct, existing obligations and available security |
| Common failure | Projections that contradict the applicant's own filed returns |
| Also available | Home loans and loan against property |
Loans
What it is, in plain terms
A credit officer never meets your business. They read a file. Everything they will conclude about your turnover, your margins, your discipline with money and your ability to repay comes from documents you supply — and from the ones they pull independently, like your returns and your credit report.
Our job is to make the file say accurately what is true about the business. Where the picture is genuinely not ready, we say so before you spend three months finding out.
Who this is for
If one of these sounds like you, this is the right page.
- Established businesses needing working capital for a growing order book
- Manufacturers financing machinery or plant expansion
- Traders wanting an unsecured cash credit limit rather than a term loan
- Startups with no lending history, where the project report and promoter profile carry the file
- Businesses refinancing expensive existing borrowings
- Owners who want a realistic assessment before applying anywhere
Documents you will need
This is the general set. After the first call you get one checklist built for your exact case, rather than a generic list you have to interpret.
- 01 KYC for the business and all promoters
- 02 Constitution documents and Udyam registration
- 03 Filed income tax returns, usually for the preceding years
- 04 GST returns and financial statements
- 05 Bank statements for every operating account
- 06 Existing loan and EMI statements
- 07 CMA report and projections
- 08 Quotations, order book or contracts supporting the requirement
Not sure this is what you need?
That is what the free consultation is for. Tell us the situation and we will tell you the shortest route through it — including when the answer is that you do not need this service at all.
Or call +91 81412 53309 — Monday to Saturday, 11:00 AM – 8:00 PM.
A CMA report from someone who files your returns
We are in Ghantakarna Mall, Sarangpur, and a good part of our loan work comes from businesses a short walk away. Where we already file the GST and income tax returns, the CMA report is built from figures we know are correct and consistent — which is the single most common reason a projection stops being believed.
229, 2nd Floor, Ghantakarna Mall, Sarangpur
How we do it
Four steps, no surprises
You always know which step you are on and what we need from you next.
01 / 04
STEP 02
File preparation
CMA report, projections and the complete document set assembled to the lender's format.
STEP 03
Submission
The application goes in complete, which is the single biggest factor in how quickly a decision comes back.
STEP 04
Follow-up to sanction
Queries answered and additional documents supplied until the sanction letter issues.
What we actually build
The file, layer by layer
Getting sanctioned is rarely about the business — it is about how the file is built. Here is what actually goes into one, layer by layer.
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1
KYC & constitutionPAN, Aadhaar and the deed or incorporation papers that say who is borrowing.
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2
Financials & returnsFiled ITRs, GST returns and bank statements — the figures the lender pulls anyway.
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3
CMA reportYour past figures and projections in the exact format a credit officer appraises against.
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4
ProjectionsForward numbers that follow from the returns rather than contradicting them.
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5
Submission & sanctionA complete file goes in once, and we chase the queries until the letter issues.
Questions
Business & Startup Loans — frequently asked
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QWhat is a CMA report and why does the bank want one?
A Credit Monetary Assessment report presents your past financials and future projections in the standard format lenders appraise against. Banks reject on projections more often than on historical numbers, so a CMA that is internally consistent and follows from your filed returns matters considerably.
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QCan I get a business loan without collateral?
Sometimes. Unsecured cash credit limits exist, and CGTMSE-backed facilities are specifically designed to let a lender advance credit without third-party security. Which is available to you depends on your turnover, vintage and filings.
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QMy business is new. Can I still borrow?
Yes, through startup finance or schemes aimed at new units, but with no trading history the project report and your own profile carry the entire case. That makes the quality of the application more decisive, not less.
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QWill you tell me if I am unlikely to be approved?
Yes — we will say when a loan application is unlikely to be approved. If the answer is "wait six months, file this year's return and fix your banking conduct first", we will say that at the free consultation. It costs us a fee and saves you a rejection on your record.
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QDo you guarantee approval?
No — nobody can guarantee loan approval, and be wary of anyone who says otherwise. Sanction is the lender's decision. What we commit to is a complete, correctly prepared file and an honest view of your chances before you spend time on it.
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Read moreTalk to us before you file
A short conversation usually saves more than it costs. We are in Sarangpur, Ahmedabad — Monday to Saturday, 11:00 AM – 8:00 PM.