About
An independent consultancy, built on plain talk.
Regalcredits was founded in Punjab to fill a real gap: businesses needing finance or government scheme support, but tired of vague promises and middlemen who disappear after taking a cheque.
Our story
We started Regalcredits after a decade of watching well-run Punjab businesses struggle to access funding they qualified for — and miss out on subsidies they didn't even know existed. We're not a bank. We're not a DSA tied to one lender. We're an advisory practice that earns its place by being useful.
Every engagement starts with an honest eligibility assessment. If we don't think we can help, we'll say so on the first call.
What we stand for
Independence
No lender ties. Advice is in your interest, not a commission's.
One team, end-to-end
Your case manager doesn't change midway.
Senior expertise
Banking, CA, and policy backgrounds on every engagement.
Local on the ground
Punjab-based, with department-level relationships.
Team credentials
Our consultants bring combined experience across:
- • 12+ years of bank credit and SME lending
- • Chartered Accountancy and financial structuring
- • Punjab industrial policy and Central MSME schemes
- • Project finance and real-estate funding
Areas we serve
We work across Punjab, with strongest presence in:
Ludhiana
Amritsar
Jalandhar
Mohali
Patiala
Bathinda