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For working capital, equipment and expansion. Assessed primarily on the health and consistency of the business rather than on personal income alone.
How we are paid and who is accountable for this file are both published openly.
We do not assess your eligibility. This is what the institutions receiving your file generally look at, so you know what your application is being read against.
How long the business has traded, and whether that trading has been continuous.
Average balances, credit frequency, and whether cheques or mandates have been returned.
ITR and GST filings are read together with banking. Consistency matters more than magnitude.
Current facilities across all lenders are visible and reduce available headroom.
Most rejections are preparation failures, not eligibility failures. Every one of these is cheaper to fix before submission than after a decline.
Even a small number in the recent past weigh heavily on a business file.
Lenders reconcile these directly. Discrepancies are difficult to explain after submission.
Partial banking gives an incomplete picture and often produces a lower assessment than the full picture would.
Requirements differ by institution and by profile. This is the working set — gather these and the preparation stage moves quickly.
We establish what you need, what you earn and what you own — before a single document is collected.
Documents verified and organised against each lender's current criteria. This is the stage that prevents rejections.
Your file goes to the partner Bank or NBFC suited to your profile. One application, prepared properly.
We stay with you through queries, valuation and sanction until the lender completes the process.
That depends on the amount, the product and the lending institution. Both secured and unsecured structures exist; the lender determines what it requires.
You will get an answer, not a pitch. If your file is not ready, we will tell you what stands in the way and roughly how long it takes to fix — with nothing captured.
No form first. Message us, call +91 73041 73640, or ask us to call you back at a time you choose.
If your file is not ready, we will say so and tell you what would change it.
Loan Manager is a loan facilitation platform owned and operated by Rectangle Consultancy and Services Pvt. Ltd..
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