During my years of restructuring debt for MSMEs, I’ve seen companies falter not from poor business models but from rigid financial agreements. Think payment holidays when seasonal fluctuations hit. Consider refinancing options when interest rates drop favorably. Imagine flexibility clauses
t’s because timing, flexibility, and practicality matter more than a marginal saving. NBFCs step in where traditional frameworks slow down.They offer higher loan amounts, more room in underwriting, relaxed norms for genuine cases, and a turnaround time that matches how
People often assume the only difference between banks and NBFCs is the interest rate.It’s not. The real difference shows up in the experience. Banks move with caution. Their valuations are conservative, their documentation asks are rigid, and their approval chain
From years of watching businesses grow, stress, stumble, and scale, my answer is very simple. One well structured secured loan almost always wins. It gives clarity, stability, and predictable cash flow. And when it sits with one dedicated account that
Almost all of the major banks rejected the proposal from a warehouse owner who came to us with a 1-acre property and unfinished Katha paperwork, citing concerns about risk and recovery. After carefully reviewing the case, we reorganized the file
Sometimes it simply means the story was not told the right way. We have seen businesses get rejected by one institution and then get approved when the structure, clarity, and documentation were aligned properly. It is rarely about eligibility alone.
Due to its high value, low liquidity, and difficult recovery, industrial land is frequently viewed as risky. Therefore, most banks retreated when a client came to us with more than an acre of land but unfinished Katha documentation.We spoke with
What if “debt” isn’t a burden, but the hidden engine behind breakout growth?Smart founders don’t fear borrowing; they use it to scale faster without giving up control. When used intentionally, debt unlocks quick capital for market expansion, tech upgrades, and
A builder and a few landowners formed a partnership to develop a commercial property, but no bank was willing to put their trust in them.Too many owners and too many factors caused their Lease Rent Discounting loan to be repeatedly
A school needed money for urgent repairs, but they couldn’t get a secured loan because their property was involved in a legal battle.We took a different route even though banks wouldn’t take on the case. We helped the institution stay
