Credit Facilitation & Counselling Cell
Expert guidance and support for accessing credit, managing finances, and building financial capacity
Service Overview
Our Credit Facilitation & Counselling Cell provides comprehensive support for businesses and individuals seeking financial assistance. We help navigate the complex credit landscape, improve creditworthiness, and access various financing options through expert guidance and personalized counselling.
We bridge the gap between borrowers and lenders, simplifying the credit process and maximizing approval chances through strategic financial counselling.
Comprehensive Credit Services
Financial Literacy & Capacity Building
Educational programs for financial empowerment:
- Financial Literacy Workshops: Basic financial management workshops
- Credit Awareness Programs: Understanding credit systems and processes
- Budgeting Training: Practical budgeting and money management
- Banking Product Education: Understanding various banking products
- Digital Finance Training: Using digital banking and payment systems
- Investment Awareness: Basics of saving and investment options
- Entrepreneur Finance Training: Financial management for entrepreneurs
Business Credit Assistance
End-to-end support for business credit facilities:
- Business Loan Support: Working capital and project financing
- Equipment Financing: Machinery and equipment loan facilitation
- MSME Loan Assistance: Specialized credit for MSME sector
- Trade Credit Support: Working capital for trade and commerce
- Invoice Financing: Bill discounting and invoice factoring
- Project Finance: Large scale project financing assistance
- Corporate Credit: Credit facilities for corporate entities
Financial Document Preparation
Professional assistance with financial documentation:
- Project Report Preparation: Detailed project reports for loan applications
- Financial Statements: Balance sheets, profit & loss statements preparation
- Business Plan Development: Comprehensive business plans for lenders
- Cash Flow Projections: Future cash flow statements and projections
- Bank Application Forms: Assistance with loan application forms
- KYC Documentation: Complete KYC document preparation
- Collateral Documentation: Property and asset documentation support
Credit Counselling Services
Professional financial guidance and counselling:
- Debt Management Counselling: Strategies for managing existing debt
- Credit Selection Guidance: Choosing the right type of credit facility
- Financial Health Assessment: Evaluation of overall financial health
- Budget Planning Assistance: Creating sustainable budgets
- Debt Consolidation Advice: Guidance on consolidating multiple debts
- Credit Repair Strategies: Improving damaged credit history
- Financial Goal Setting: Setting and achieving financial objectives
Government Scheme Assistance
Access to government credit schemes and subsidies:
- MUDRA Loan Assistance: Pradhan Mantri MUDRA Yojana applications
- Stand-Up India Support: SC/ST and women entrepreneur schemes
- Credit Guarantee Schemes: CGTMSE and other guarantee schemes
- SIDBI Scheme Guidance: Small Industries Development Bank schemes
- Subsidy Scheme Assistance: Various interest subsidy schemes
- Startup India Loans: Startup credit scheme applications
- PMEGP Scheme Support: Prime Minister's Employment Generation Programme
Credit Score & Eligibility Assessment
Comprehensive credit evaluation services:
- Credit Score Analysis: CIBIL and other credit bureau score analysis
- Loan Eligibility Assessment: Determining maximum eligible loan amount
- Credit Report Interpretation: Understanding credit report details
- Eligibility Improvement Strategies: Ways to enhance loan eligibility
- Income Assessment: Evaluation of repayment capacity
- Credit Score Improvement: Strategies to improve credit scores
- Debt-to-Income Analysis: Calculating and improving DTI ratio
Bank Liaisoning & Follow-up
Professional coordination with financial institutions:
- Bank Application Submission: Complete loan application submission
- Regular Follow-up: Systematic follow-up with bank officials
- Documentation Follow-up: Tracking additional document requirements
- Bank Meeting Coordination: Scheduling and attending bank meetings
- Sanction Letter Follow-up: Tracking loan sanction approval
- Disbursement Tracking: Monitoring loan disbursement process
- Multiple Bank Coordination: Working with multiple lenders simultaneously
Restructuring & OTR Support
Assistance with loan restructuring and settlements:
- Loan Restructuring Support: Assistance with loan restructuring applications
- One Time Restructuring (OTR): Guidance on OTR schemes and processes
- EMI Rescheduling: Assistance with EMI rescheduling requests
- Interest Rate Negotiation: Negotiating better interest rates
- Moratorium Assistance: Guidance on loan moratorium options
- Settlement Negotiation: Negotiating settlements with lenders
- NPA Resolution Support: Assistance with NPA resolution strategies
Credit Facilities We Facilitate
Business Loans
Working capital, term loans, and project financing for business growth and expansion
MSME Loans
Specialized credit facilities for micro, small and medium enterprises
Equipment Financing
Machinery and equipment loans for manufacturing and industrial units
Commercial Property Loans
Financing for office spaces, warehouses, retail outlets, and commercial real estate
Benefits of Credit Counselling
Higher Approval Rates
70% higher loan approval probability with proper guidance
Better Interest Rates
Negotiate 0.5-2% lower interest rates through expert guidance
Faster Processing
Reduce processing time by 30-50% through proper documentation
Complete Documentation
Error-free documentation ensuring no rejections on technical grounds
Credit Score Improvement
Strategies to improve credit scores by 50-100 points
Multiple Options
Access to multiple lenders and credit products for best fit
Our 6-Step Credit Facilitation Process
Initial Assessment
Comprehensive evaluation of financial needs, credit profile, and eligibility
Document Preparation
Professional preparation of all required financial documents and applications
Lender Selection
Identifying the most suitable lenders and credit products for your needs
Application Submission
Complete submission of loan applications with all supporting documents
Follow-up & Coordination
Regular follow-up with lenders and coordination throughout the process
Disbursement & Counselling
Loan disbursement support and post-disbursement financial counselling
Government Credit Schemes We Cover
MSME Schemes
- Pradhan Mantri MUDRA Yojana (PMMY)
- Credit Guarantee Fund Scheme for MSMEs (CGTMSE)
- Stand-Up India Scheme for SC/ST/Women Entrepreneurs
- PSB Loans in 59 Minutes
- Interest Subvention Scheme for MSMEs
- PMEGP (Prime Minister's Employment Generation Programme)
SIDBI Schemes
- SIDBI Loan Scheme for MSMEs
- SIDBI Make in India Soft Loan Fund
- SIDBI Cluster Development Fund
- SIDBI Sustainable Finance Scheme
- SIDBI Credit Guarantee Fund
- SIDBI Startup Assistance
Special Category Schemes
- Women Entrepreneur Schemes
- SC/ST Entrepreneurship Schemes
- Minority Finance Schemes
- Differently-abled Entrepreneur Schemes
- Startup India Seed Fund Scheme
- PM Swanidhi Scheme for Street Vendors
Unlock Your Credit Potential Today
Get expert guidance to access the right credit facilities, improve your financial health, and achieve your business and personal goals.
