Services
What we help businesses do
Two practice areas, one philosophy: clear advice, honest assessment, end-to-end handling. Jump to a section:
Lending & Credit Facilitation
We act as your case manager — preparing financials, identifying the right lenders, and managing the back-and-forth so you can focus on your business.
Single point of contact
Typically 4-12 weeks to disbursal
Documentation handled end-to-end
Business Finance
- Who qualifies
- Operating businesses (proprietorship, partnership, LLP, Pvt Ltd) with 2-3 years of financials.
- Documents typically needed
-
- KYC of promoters
- Last 2-3 years ITR & financials
- Bank statements (12 months)
- GST returns
- Process timeline
- 4-8 weeks from documentation
- Our role vs the bank/government
- We prepare and present the case. The bank evaluates and decides per its credit policy.
Loan Against Property
- Who qualifies
- Owners of residential, commercial, or industrial property with clear title.
- Documents typically needed
-
- Property title chain
- Latest tax receipts
- Income proofs (ITR / salary slips)
- KYC
- Process timeline
- 4-10 weeks including valuation
- Our role vs the bank/government
- We coordinate valuation, legal, and lender comparison. Sanction terms are set by the lender.
Project Funding
- Who qualifies
- Greenfield / brownfield projects with viable DPR and promoter contribution.
- Documents typically needed
-
- Detailed Project Report
- Promoter financial statements
- Land / lease documents
- Statutory approvals in process
- Process timeline
- 8-16 weeks depending on consortium
- Our role vs the bank/government
- We help structure the funding mix and approach lenders. Approval is a bank-side credit decision.
Real Estate Funding
- Who qualifies
- Developers, builders, and property owners with rent-yielding assets.
- Documents typically needed
-
- Project approvals (RERA, plan sanctions)
- Sales/lease projections
- Existing rent rolls (for LRD)
- Title documents
- Process timeline
- 6-14 weeks
- Our role vs the bank/government
- We package the proposal and present to specialised real estate lenders.
Government Schemes & Subsidies
Many eligible businesses miss out on incentives simply because the paperwork is dense and the timelines unfamiliar. We map, file, and follow up.
Scheme eligibility mapping
Claim file preparation
Department liaison
Invest Punjab Incentives
- Who qualifies
- Industrial units setting up or expanding in Punjab, eligible under the current Industrial & Business Development Policy.
- Documents typically needed
-
- Industrial Entrepreneur Memorandum / Udyam
- Project investment proofs
- Land allotment / purchase docs
- Approved building plan
- Process timeline
- 3-9 months from filing (department-dependent)
- Our role vs the bank/government
- We prepare and file with PBIP. Sanction and disbursal lie with the Government of Punjab.
Central Government Subsidies
- Who qualifies
- MSMEs and sector-specific units meeting scheme criteria (e.g. CGTMSE, CLCSS, PMEGP, MUDRA).
- Documents typically needed
-
- Udyam registration
- Bank sanction / disbursal letters
- Machinery invoices (for capital subsidy)
- Project proposal
- Process timeline
- 3-12 months depending on scheme
- Our role vs the bank/government
- We identify the right scheme and file the claim. Decisions are made by the nodal ministry/agency.
State Government Schemes
- Who qualifies
- Units in eligible sectors (textile, food processing, agri-allied, MSME) operating in Punjab.
- Documents typically needed
-
- Unit registration certificates
- Investment proofs
- Employment generation data (where applicable)
- Bank disbursal records
- Process timeline
- 3-9 months from filing
- Our role vs the bank/government
- We compile and submit through the relevant state department. Approval is at the department's discretion.
Important note
Scheme guidelines, eligibility, and quanta of subsidy are revised periodically by the Government of India and Government of Punjab. We work with the latest published guidelines at the time of your engagement.
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