Other Services

Loan & Credit Advisory

Right Credit, Right Lender, Right Rate — Faster

✦ CMA Data Prepared ✦ Lender Matching Service ✦ Government Scheme Advisory
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What is Loan & Credit Advisory?

Securing business credit — whether a working capital loan, term loan, overdraft facility, MSME loan or PMEGP loans under government schemes, or letter of credit — requires much more than just submitting an application. Banks and NBFCs scrutinize financial ratios, CIBIL/CRIF scores, DSCR, project viability, collateral, and management track record. Most applications are rejected not due to poor fundamentals but due to poor presentation and preparation.

VITTAX's Loan & Credit Advisory service prepares your business for successful credit applications — from credit health assessment and CIBIL score improvement to CMA data preparation (as required by banks), project report drafting, loan proposal preparation, and lender-matching with the most suitable bank or NBFC for your profile. We also assist with government-backed schemes like CGTMSE, Mudra, Stand-Up India, and ECLGS.

⚠️ Most applications are rejected not due to poor fundamentals but due to poor presentation and preparation — professional loan advisory dramatically improves approval rates.

Who Needs Loan Advisory?

✔ MSME Borrowers: MSMEs applying for working capital or term loan from banks
✔ Startups: Startups applying for collateral-free CGTMSE-backed loans or PMEGP loans
✔ Rejected Applicants: Businesses whose loan applications have been rejected previously
✔ Credit Enhancement: Companies needing to restructure or enhance existing credit limits
✔ Developers: Real estate developers and construction firms needing construction finance

Services Covered

🔍 Pre-Application

• Credit health check — CIBIL, financials, ratios
• CIBIL score improvement advisory (if score is weak)
• Lender shortlisting based on business profile and loan type

📋 Application Preparation

• CMA (Credit Monitoring Arrangement) data preparation — 3-year actuals + 3-year projections
• Loan proposal / information memorandum drafting
• Project report preparation (for new projects / Mudra / MSME / PMEGP loans)
• Financial statement and ratio analysis presentation

🏛️ Scheme Advisory

• CGTMSE (collateral-free loan up to ₹5 Cr) — eligibility & application
• Mudra Loan (Shishu / Kishore / Tarun) — up to ₹10 lakh
• ECLGS, Stand-Up India, PM Vishwakarma Scheme advisory

Pricing

Credit Assessment

₹2,999 one-time

Pre-loan health check + recommendations

Ideal for: Businesses considering credit in next 6–12 months

  • ✓ CIBIL report review
  • ✓ Financial ratio analysis
  • ✓ Credit readiness score
  • ✓ Written improvement roadmap
VITTAX Fee: ₹2,999 one-time  |  Govt. Fees: Nil
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POPULAR

Loan Application Package

₹4,999 per application

CMA data + project report + loan proposal

Ideal for: MSMEs, startups applying for ₹10 lakh to ₹5 Cr credit

  • ✓ CMA data (3+3 years)
  • ✓ Project report / information memorandum
  • ✓ Loan proposal letter
  • ✓ Document compilation
  • ✓ Lender introduction support
VITTAX Fee: ₹4,999 per application  |  Govt. Fees: Nil
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Full Credit Advisory

₹9,999 per loan

End-to-end from assessment to disbursement

Ideal for: Larger credit facilities, complex cases, structured finance

  • ✓ Everything in Loan Application
  • ✓ Lender negotiation support
  • ✓ Term sheet review
  • ✓ Post-sanction compliance
  • ✓ CGTMSE / scheme application
VITTAX Fee: ₹9,999 per loan  |  Govt. Fees: Nil
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FAQs

How long does a bank loan take to get approved?

Ranges from 7 days (fintech NBFC) to 45–90 days (PSU bank). Preparation quality significantly reduces turnaround. We have relationships that help expedite processing.

What is CGTMSE and how does it help startups?

The Credit Guarantee Fund Trust for Micro & Small Enterprises provides a guarantee to banks for collateral-free loans up to ₹5 Cr. This means a startup without property to pledge can still get a bank loan. We handle the end-to-end CGTMSE application.

Quick Enquiry

Credit Assessment₹2,999
Loan Application Package₹4,999
Full Credit Advisory₹9,999

At a Glance

NBFC Approval Time7 Days
PSU Bank Approval45–90 Days
CGTMSE LimitUp to ₹5 Cr
Govt. FeesNil

⚡ Schemes Covered

CGTMSEUp to ₹5 Cr
Mudra LoanUp to ₹10 Lakh
Stand-Up India✔ Covered
ECLGS / PMEGP✔ Covered

Get Your Business Loan Approved — Let VITTAX Prepare the Perfect Application

CMA data, project report, lender matching, CGTMSE — complete credit advisory from assessment to disbursement

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