Clarity Creates Confidence

An established textile retailer had a difficult time during the pandemic.

The majority of banks declined to take over their 5.5 crore loan from a cooperative bank, business had slowed, and repayments were irregular.

When they reached out, we took a closer look at the story behind them, looking past the numbers.

The solution was obvious, but it wasn’t simple.

We lowered the rate from 13.5 to 9.35 percent, restructured the loan, and obtained an extra 1 crore top-up.

That business is now back on track, proving that, with the correct mindset, even a “no” can turn into a second chance.

Because sometimes the story behind the balance sheet is more important than risk.