Business Loan & Financing Support
Financial statements, projections and CMA data prepared properly, with lenders identified and the application coordinated — so your file is judged on the business, not the paperwork.
A loan application is rarely rejected because the business is a bad risk. More often it is rejected, delayed or under-sanctioned because the financials presented do not let a credit officer see what they need to see — projections that do not tie back to actual performance, CMA data prepared inconsistently with the audited accounts, or a lender approached who was never going to fund this kind of business in the first place.
We do not lend money and we do not guarantee approval — no one honestly can. What we do is prepare the case properly: financial statements and projections that hold together, CMA data in the format banks actually expect, and a realistic view of which lenders and which schemes suit your situation before you spend weeks with the wrong one.
For collateral-free working capital, the Credit Guarantee Fund Trust for Micro and Small Enterprises scheme is worth understanding regardless of which bank you approach. It backs loans up to ₹10 crore collateral-free (₹20 crore for DPIIT-recognised startups), with the trust covering 75% to 85% of the lender's loss generally, up to 90% for micro, women-led and North Eastern Region units of the lender's loss on default — cover that is offered by the bank under the scheme, not something ThinkOrange arranges directly, but worth knowing about before you agree to pledge collateral you did not need to.
Enquire about Business Loan & Financing
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If any of these describe where you are right now, this is the service you are looking for.
You need working capital or a term loan and want your financial case prepared properly before approaching a bank.
A lender has asked for CMA data and you want it prepared consistently with your audited accounts, not as a separate exercise.
You are a Micro or Small Enterprise that may qualify for collateral-free lending under the CGTMSE scheme.
You have been declined or under-sanctioned by one lender and want a second application prepared properly rather than repeating the same mistake.
You need a personal loan or mortgage application documented alongside your business financials.
Everything handled, end to end
The full scope of the engagement, so there is nothing to discover halfway through.
Financial statement preparation
Statements prepared or reviewed so they present the business accurately and consistently with what has actually been filed elsewhere — a mismatch with your GST or income tax filings is a fast way to lose credibility with a lender.
CMA data preparation
Credit Monitoring Arrangement data prepared in the structure banks expect, built from your real numbers rather than reverse-engineered to a target.
Business projections
Realistic projected cash flow and financials that a credit officer can defend internally, not optimistic figures that invite scrutiny.
Lender identification
Which banks, NBFCs or schemes actually suit your size, sector and requirement, rather than a generic approach to whoever is nearest.
CGTMSE and scheme eligibility
Whether collateral-free options under CGTMSE or other MSME schemes apply to your situation.
Application coordination
Liaison with the lender through processing, so queries are answered promptly rather than sitting unanswered while a file goes cold.
Personal loan and mortgage documentation
Supporting documentation assistance where personal borrowing needs to be presented alongside business financials.
What you'll need to hand over
Collected once, at the start. We tell you which of these apply to your case before you gather anything.
Financial
- 01Audited financial statements for the last two to three years
- 02GST returns for the last twelve months
- 03Income tax returns for the last two to three years
- 04Bank statements for the last six to twelve months, all operating accounts
Business
- 01Certificate of incorporation or registration, and PAN
- 02Udyam registration, where applicable
- 03Details of existing loans or credit facilities
- 04Project report or business plan, for a new facility or expansion
Security and personal, where relevant
- 01Property or asset documents, where collateral is being offered
- 02KYC and financial documents of proprietors, partners or directors
- 03Guarantor documents, where a personal guarantee is required
Bank statements and GST returns are cross-checked by lenders against your declared turnover as a matter of course. Reconcile these yourself before submission — a mismatch a credit officer finds themselves is far more damaging than the same mismatch explained upfront.
5 steps, start to finish
Where the work actually goes, and what we need from you at each stage.
Requirement and eligibility review
What you actually need the facility for, how much, and which lenders or schemes realistically fit before any document work starts.
Confirm with us
CMA data and projections prepared
Financials, CMA data and projections built consistently with your filed accounts and returns.
Confirm with us
Lender approach
The application submitted to the identified lender or lenders, with the full document set.
After preparation
Processing and query handling
Queries from the lender's credit team answered as they arise, rather than left to accumulate.
Lender dependent
Sanction and documentation
Sanction letter and loan documentation reviewed before you sign, so the terms match what was actually discussed.
On sanction
What to expect, and what it costs
Timelines are indicative and depend on departmental processing and how quickly documents come back to us. Message us on WhatsApp for a written quote.
Enquire on WhatsApp- Requirement and eligibility review
- Confirm with us
- CMA data and projections
- Confirm with us
- Lender processing
- Lender dependent
Professional fees
On request
Common questions
The questions we are actually asked about Business Loan & Financing. If yours is not here, ask us directly.
Neither, and it is worth being clear about this. We are not a bank or NBFC and do not sanction credit. What we provide is preparation and facilitation — financial statements, CMA data, projections and lender coordination — so your application is judged fairly. The lending decision is always the bank's or NBFC's.
Credit Monitoring Arrangement data is a standardised financial presentation banks use to assess and monitor a borrower. Lenders read it closely, and if it does not tie back cleanly to your audited accounts and tax filings, it raises questions before anyone even looks at whether your business is a good risk.
The Credit Guarantee Fund Trust for Micro and Small Enterprises backs eligible loans up to ₹10 crore collateral-free (₹20 crore for DPIIT-recognised startups) without collateral, with the trust covering 75% to 85% of the lender's loss generally, up to 90% for micro, women-led and North Eastern Region units of the lender's loss if you default. Whether a specific bank offers it under the scheme, and on what terms, is confirmed with that lender — it is not automatic on every loan.
No, and be wary of anyone who says they can. What proper preparation does is remove the reasons an application gets rejected on presentation rather than substance — inconsistent figures, missing documents, an unrealistic projection. The underlying creditworthiness of the business is not something we can change, only present accurately.
Most lenders want two to three years of audited financials and tax returns, plus recent bank statements, though this varies by loan size and lender. A newer business without that history is not disqualified, but the application is built differently, usually leaning more heavily on projections and the promoter's own track record.
Yes, particularly where personal borrowing needs to be presented alongside business financials — a promoter guarantee, or a mortgage taken partly against business income. Ask us directly about your specific situation.
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