01 · Every bank, one place
All twelve public sector banks compared at once, on your actual profile — instead of you walking branch to branch collecting inconsistent answers.
All-In-One Advisory
One desk instead of a dozen bank counters
Comparing lenders yourself means repeating the same conversation twelve times and hearing twelve different answers. The advisory system exists so the comparison happens once, in one place, by people who know what each bank will actually accept.
All 12public sector banks
13+loan products
Up to 35%subsidy, if eligible
Why It Works
Four things that make the difference
None of these are unique ideas. What is unusual is having all four under one roof, staffed by people who assessed these files from inside the banks.
02 · Difficult cases
CIBIL problems, thin income documentation, weak banking conduct and property title issues — the four reasons files get declined, and our normal working day.
03 · Every product
Retail, government scheme and corporate lending on one desk, so the recommendation is not limited to whatever we happen to sell.
04 · Subsidy benefits
Scheme benefits are passed through to you in full. Margin money subsidy of up to 35% under PMEGP is worth more than any rate negotiation.
All government banks under one roof
Public sector banks publish similar-looking products and then apply materially different credit policies to them. One will fund an unapproved colony property; the next will not. One takes a commercial view on self-employed income; the next runs a rigid scorecard. Neither publishes this.
Comparing them properly means knowing those internal differences — which is what an ex-banker brings that a rate comparison website cannot.
Experts in difficult cases
A case that has already been declined is not a worse case. It is a case where you now know something specific about the objection — and that is more information than most fresh applications carry.
- CIBIL issues — low score, multiple enquiries, DPDs, settled accounts
- Income issues — fresh ITR, thin vintage, new GST registration
- Banking issues — low banking, cash-heavy trade, cheque returns
- Property issues — valuation, unapproved colonies, vacant plots, third-party security
See what causes each of these, and what can be done →
Every loan product on one desk
Because the whole range sits in one place, the recommendation can be honest. If your case belongs in a government scheme rather than the business loan you asked about, that is what you will be told.
Government subsidy benefits, passed through
Scheme benefits belong to the borrower, not the intermediary. Under PMEGP the margin money subsidy runs from 15% to 35% of project cost depending on category and location. Under CGTMSE, guarantee cover of 75–85% removes the collateral requirement entirely. Under Mudra, credit up to ₹10 lakh is collateral free by design.
Worth knowing. CGTMSE has no loan agents and grants no loans itself — the cover is applied for by your bank. If anyone offers to “arrange” a CGTMSE guarantee for a fee, they are misrepresenting the scheme.
Beyond the single transaction
Arranging one loan is a transaction. Most business owners need something closer to an ongoing relationship — limit renewals every year, a view on whether to expand, a second opinion before signing something. Two routes exist for that:
- Advisory membership — a monthly programme covering loan and banking guidance, legal and compliance support, and business planning.
- Channel partnership — for advisors, agents and professionals who want to arrange finance for their own clients using this platform.