We inspect the file first
Your documents, financials, banking conduct and credit history get reviewed before any bank is approached. If the case cannot be placed, you hear that on the first call rather than after three rejections.
Who We Are
We have sat on the other side of the credit desk
Loan Experts India helps individuals and MSME owners arrange bank finance with clarity and the right preparation. Our team spent their careers assessing loan files from inside banks. We now build them from the outside — to the same standard.
20+ yearscombined experience
Allgovernment banks
Ex-bankershandling every file
₹2500 Cr+
Credit facilitated to date
19 / 25
States actively covered
97%
Sanction success rate
20+ Years
In banking and credit
What We Do
Preparation, not access
Loan Experts India is a professionally run advisory platform supporting individuals and MSME business owners across the country in arranging bank finance. We work strictly within the policies of the banks we deal with, and we stay involved through the whole process rather than handing over a form and disappearing.
The value we add is not access — anyone can walk into a branch. It is preparation. A file that arrives structured the way a credit department expects to receive it gets read properly. One that does not gets returned, and the borrower is told “you are not eligible” when the truth is closer to “we could not assess this”.
97% success rateon files we take on
Why Government Banks
The benefits nobody at the branch is paid to mention
Most borrowers assume public sector banks are slow or difficult, and drift to private lenders without comparing what they gave up. In practice government banks offer competitive rates, stronger tenures and — critically — subsidy and guarantee schemes no private lender can match.
Margin money subsidy
15% to 35% of project cost under PMEGP
Guarantee cover
Replaces collateral entirely under CGTMSE
Collateral-free credit
Up to ₹10 lakh under Mudra
These are real, funded programmes that most eligible borrowers never hear about — because nobody at the branch has a commission riding on telling them. That gap is the entire reason this firm exists.
Our Panel
Every public sector bank, on one desk
How We Work
Four steps, and we stay past the last one
We submit to suitable banks
Not every bank. The ones whose credit policy actually fits your profile, sector and security — which is a much shorter list than most borrowers expect.
We compare what comes back
Rate, tenure, processing fee, collateral demand and scheme eligibility, side by side. The cheapest headline rate is often not the best total cost.
We stay on past disbursement
Limit renewals, expansion funding and ongoing account conduct. The relationship does not end when the money lands.
Who We Work With
Two kinds of borrower, one standard of preparation
MSME businesses
- Financial structuring and working capital
- Expansion and machinery finance
- Property-backed loan support
- Government scheme and subsidy access
- Project finance for new units
Individuals
- Housing and mortgage loans
- Loan against property
- Vehicle financing
- Education loans, in India and abroad
- Evaluating and choosing between offers
The Team
A file can fail four different ways
Arranging finance properly is not a single skill. It can come apart on credit assessment, on documentation, on compliance or on the legal status of the security — so the team covers all of them.
How We Operate
Four habits we do not trade away
Our Founder
Sachin Vashishth
Founder & CEO — a finance professional with more than twenty years across banking, credit and advisory.
Sachin Vashishth holds B.Com (Hons), an MBA in Finance, a Company Secretary qualification and an LL.B — a combination that spans finance, compliance, documentation and lending practice.
He has served with reputed private sector banks including ICICI Bank, Centurion Bank of Punjab, Lord Krishna Bank and Federal Bank, gaining hands-on exposure to credit evaluation, client servicing and banking operations, and receiving multiple recognitions for performance along the way.
He has also worked closely with the major public sector banks — Punjab National Bank, Bank of India, Bank of Baroda, State Bank of India, UCO Bank and Punjab & Sind Bank — building a detailed understanding of government bank policy, credit requirements and procedural expectations. That is what allows the firm to route a case to the right lender the first time, saving weeks for the borrower and the branch alike.
Qualifications
- B.Com (Hons)
- MBA — Finance
- Company Secretary
- LL.B
During my years in banking I kept seeing the same thing: customers convinced that government banks are complex, slow or difficult, moving to private lenders without ever understanding what was available to them in the public sector.
In reality, with the right preparation, government banks offer strong funding, competitive rates and subsidy opportunities that most borrowers simply miss. My aim with Loan Experts India is to close that gap — so people can approach these banks in a structured way and access what they were always entitled to.
The right guidance turns government banking from an obstacle into an opportunity.
Sachin Vashishth
Founder & CEO, Loan Experts India