CMA report
Credit Monetary Assessment prepared in the format lenders appraise against — not a spreadsheet they have to interpret.
Loans, prepared properly
Most rejections are file problems, not business problems. We build the file — CMA report, projections and documentation — and take it to the scheme you actually qualify for.
Why file preparation matters
The bank sees a file, not your business
You know your shop is profitable. The credit officer knows what your paperwork says. Our job is making those two things match.
Realistic projections
Projections a credit officer will believe, built from your actual filed returns rather than optimism.
Scheme matching
Mudra, CGTMSE and PMEGP have different eligibility, collateral and subsidy rules. We apply where you fit.
Your books are here
If we already file your GST and ITR, the financials a lender wants are ready in days, not weeks.
A loan desk inside the trading belt
Plenty of businesses around Sarangpur and Kalupur are profitable, run out of rented premises, and own nothing to mortgage. They are exactly the borrowers the MSME schemes were written for, and exactly the ones a conventional term loan turns away. That is a large part of why this desk exists, and why most of the files we prepare come from a few kilometres around Ghantakarna Market.
229, 2nd Floor, Ghantakarna Mall, Sarangpur
Government-backed schemes
MSME schemes worth knowing about
These exist specifically so small businesses can borrow without the collateral a normal term loan demands. Most owners qualify for at least one and never apply.
Mudra Loans
Under PMMY, for non-farm micro enterprises. Structured in tiers — Shishu, Kishor and Tarun — by the size of the requirement.
Scheme limits are revised from time to time; we'll confirm the current ones for your case.
Mudra loan detailsCGTMSE Loans
Credit guarantee cover for micro and small enterprises, which is what lets a lender extend credit without third-party collateral.
The right route when the business is sound but there's no property to pledge.
CGTMSE detailsPMEGP Loans
A credit-linked subsidy scheme for new micro enterprises in manufacturing and services, administered through KVIC and DICs.
Subsidy rates vary by category and location — we'll work out what applies to you.
PMEGP details
Commercial & personal
Other lending we handle
Startup Loans
For businesses with no lending history, where the project report and promoter profile carry the file. We build both.
Startup financeBusiness Loans
Working capital, term loans and expansion finance for established businesses with filed returns behind them.
Business loan detailsHome Loans
Purchase, construction and balance transfer — with the income documentation assembled the way lenders assess it.
Mortgage Loans
Loan against property for business or personal needs, where you have an asset to leverage.
Unsecured CC & Machinery Loans
Unsecured cash credit limits and equipment finance — the two most common asks from growing manufacturers.
Not sure which fits?
Tell us the amount, the purpose and what you can offer as security. We'll tell you the realistic options — including when the answer is "not yet".
Talk it through
The process
From enquiry to sanction
Already a client? Your filing dates are in the compliance calendar. Approval and timelines are the lender's decision, not ours. What we commit to is a complete, correctly prepared file and honest advice about your chances before you spend time on it.
01 / 04
STEP 01
Eligibility check
We look at turnover, vintage, filings and security available, then shortlist the schemes you actually qualify for.
STEP 02
File preparation
CMA report, projections, KYC, business and financial documents assembled to the lender's format.
STEP 03
Submission
The application goes in complete, which is the single biggest factor in how long a decision takes.
STEP 04
Follow-up to sanction
Queries answered, additional documents supplied, status tracked until the sanction letter arrives.
Find out where you stand — free
A short eligibility conversation before you apply anywhere. If the answer is "wait six months and fix these two things", we'll tell you that too.