OUR MOTTO : To be the preferred name in the field of Business Loan Advisory & Credit Rating Advisory

Rating Process :

The critical first step in Finance Madad is analyzing your current and projected financial position to determine areas of strength and challenge - and provide potential credit score outcomes under different scenarios.

Here are some key responsibilities and steps involved in the process:

Assessing Credit Profiles: Review Company credit reports, including their current and credit histories, to evaluate their current credit standing. Analyze factors such as credit history, credit utilization, length of credit history, types of credit, and recent inquiries.

Identifying Credit Issues: Identify any negative factors or red flags in the clients' credit reports that may be impacting their credit ratings. This includes late payments, delinquencies, high credit card balances, collections, bankruptcies, or other derogatory marks.

Explaining Credit Reports: Help clients understand the components and significance of credit reports, including how credit ratings are calculated and how different actions can affect credit ratings. Educate them on the importance of maintaining a good credit rating for financial opportunities and access to favorable loan terms.

Developing Credit Improvement Strategies: Create customized plans for clients to improve their credit ratings based on their specific situations. This may involve suggesting actions such as paying debtors on time, reducing debt, disputing inaccuracies, closing unused credit accounts, and diversifying credit types.

Providing Financial Education: Offer guidance on responsible financial behaviors, such as budgeting, debt management, and building positive credit habits. Educate clients on the impact of their financial decisions on their credit ratings and long-term financial well-being for the companies.

Monitoring Credit Progress: Regularly monitor clients' credit reports and scores to track their progress. Provide feedback and guidance on any changes or updates to their credit profiles, helping them stay on track with their credit improvement goals.

Disputing Inaccurate Information: Assist clients in identifying and disputing any inaccurate or outdated information on their credit reports. This includes working with credit bureaus and creditors to correct errors and ensure the accuracy of the credit reports.

Building Credit Profiles: Advise clients on strategies to build their credit profiles, especially for businesses with limited or no credit history. This may involve recommending secured credit-builder loans, or becoming an authorized user on someone else's credit account.

Offering Loan and Credit Application Guidance: Provide guidance on loan and credit applications, helping clients understand the potential impact on their credit ratings. Assist them in preparing strong applications and navigating the loan approval process.

Staying Updated: Stay informed about changes in credit reporting regulations, scoring models, and industry trends. Continuously update Client's knowledge on credit rating changes as per regulatory change.

Our Past Experiences:

• Facilitated financial assistance exceeding ₹3,000 crores for various corporate entities.

• Provided management consultancy to family run businesses and mid/large corporates to drive overall growth.

• Proficient in handling day-to-day company secretarial matters for both listed and unlisted companies. Extensive experience in managing routine finance, costing, accounting, and taxation systems for enhanced monitoring and control.

• Comprehensive knowledge of new project implementation.

• Deep understanding of corporate laws and regulatory issues related to Stock Exchange, SEBI, MCA, etc.

• Specialized in conducting due diligence, drafting legal documentation, and managing litigation, including arbitration, with strong professional networks among legal experts, government officials, banks, and financial institutions.

• Managed public issue-related activities, ISO implementation, and ERP system deployment.

• Skilled in organizing Board, Committee, and other corporate meetings. Led a team under the guidance of the Board of Directors to manage daily finance and accounts operations. Successfully implemented best practices in Corporate Governance Policies.

• Helped companies achieve higher credit ratings through our constant guidance.

• Negotiated and helped reduce Rate of Interest on the existing loan with Credit Ratings improvement.

Our Approach to Business Loan Financing

Loan Process :

Owners of businesses need business loans to operate. requirement of funding may arise at any stage of your company’s lifecycle. An entrepreneur’s biggest challenge when starting a new business is securing funds for the project.

A funding method’s advantages and disadvantages must also be known. Estimate the number of funds the business will need, the application of those funds, a projection of the business’s financial position, and develop a strategy. The requirements for securing the necessary funds are all in place. The main source of capital in India is banks, NBFCs, angel investors, and venture capitalists.

Business Loan Process begins with Assessing Client Needs: Meet with business owners or key stakeholders to understand their financial requirements, goals, and challenges. Evaluate their business plans, financial statements, and credit history to determine their eligibility for various loan options.

Researching Loan Options: Stay updated on various loan products and programs offered by financial institutions, including banks, credit unions, and alternative lenders. Understand the specific requirements, interest rates, repayment terms, and loan amounts available for different types of loans.

Providing Guidance and Education: Educate clients about the loan application process, eligibility criteria, and potential risks involved. Offer guidance on how to improve their credit score, financial documentation, and overall loan application package to increase their chances of approval.

Developing Loan Proposals: Based on the client's needs and eligibility, prepare comprehensive loan proposals that highlight the business's financial strengths, growth potential, and repayment capabilities. This includes crafting a compelling executive summary, outlining the loan purpose, and presenting financial projections.

Connecting with Lenders: Establish relationships with various lenders, both traditional and non-traditional, to understand their lending criteria and preferences. Present loan proposals to potential lenders and negotiate favorable terms and conditions on behalf of the client.

Assisting with Application Process: Guide clients through the loan application process, helping them gather and organize the required financial documents, such as tax returns, bank statements, business plans, and legal documents. Review and submit the application, ensuring accuracy and completeness.

Managing Loan Closing and Disbursement: Facilitate communication and coordination between the client and the lender during the underwriting and approval process. Assist with the closing process, ensuring all necessary legal and financial requirements are met. Monitor the loan disbursement to ensure timely funding.

Providing Ongoing Support: Maintain a relationship with the client beyond the loan approval, offering ongoing assistance and support. This may include providing advice on loan repayment strategies, refinancing options, and accessing additional funding in the future..

Credit Rating Approach

We offer a no win, no fee guarantee

We offer a no win, no fee guarantee for clients who are eligible to participate in our USP(Unanimous Screening Proposition) scheme. This is our way of considering an equality of thoughts. the USP Scheme allows a transparent understanding of the requirements and makes us both believe that we concur and meet each others expectations.