Business funding advisory
The right funding.
Structured right.
CA-led business funding advisory for MSMEs, manufacturers, traders and growing companies.
Working capital · Term loans · CAPEX · Project finance · Machinery finance
01 — Why files get declined
Good businesses get rejected for avoidable reasons.
Wrong lender.
Every bank and NBFC has its own appetite. A good file sent to the wrong desk still comes back.
Wrong product.
A term loan asked for when the need is working capital, or the reverse, strains cash flow from day one.
Numbers told the wrong way.
Presented the way an accountant files them, not the way a credit officer reads them.
Lenders sanction loans. We make sure your file deserves a yes.
02 — What we help you raise
Nine ways to fund a growing business.
01
Working Capital
Stock, receivables and the day-to-day cash cycle.
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02
Term Loans
Long-term needs repaid over a fixed tenure.
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03
CAPEX Loans
Land, building and capacity addition.
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04
Machinery & Equipment Finance
New or used plant and machinery.
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05
Project Finance
New units and expansions backed by a project report.
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06
Business Expansion Finance
New branches, markets or product lines.
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07
Secured Business Loans
Larger amounts and longer tenure against property or assets.
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08
Unsecured Business Loans
Strong turnover and banking history, no collateral.
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09
Government Scheme & Subsidy Advisory
Lowering the real cost of a loan you are taking: eligibility check, application and claim filing.
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Scheme benefits are decided and paid by the government agency concerned, usually after the loan is disbursed and conditions are met. We check eligibility and handle the filing; we do not guarantee approval.
03 — How we work
One advisor. Six steps. No guesswork.
1
Discovery call
Your requirement, timeline and existing borrowings.
2
Financial diagnosis
Financials, GST returns, bank statements and credit reports, read through a lender's eyes.
3
Funding structure
The right product, amount, tenure and security for your cash flows.
4
Lender-ready file
CMA data, project report and a complete document set.
5
Lender matching and application
We approach suitable banks and NBFCs and handle their queries.
6
Sanction to disbursement
Term-sheet review, follow-up to disbursement, and annual renewal support.
Start here
What do you need funding for?
Pick the closest one. The Funding Readiness Check takes about two minutes.
04 — Why FV Funding
Advice first. Then the lender.
CA-led, not sales-led.
Your file is built by a qualified Chartered Accountant, not a loan agent chasing a target.
Business funding only.
No home loans, car loans or credit cards. Just facilities that run and grow businesses.
The right facility first.
We recommend what fits your cash flows, then find the lender, not the reverse.
Fees in writing, before we start.
Agreed and signed before any work begins.
One point of contact.
From the first call to disbursement and renewal.
What we do
- Diagnose your financials the way a lender will
- Structure the right type and size of facility
- Prepare a complete, lender-ready file
- Approach banks and NBFCs whose criteria you fit
- Follow up to disbursement and renewal
What we don't
- Lend money: lenders decide every sanction
- Guarantee approval
- Handle home, car or personal loans
- Charge anything not agreed in writing
05 — Who we work with
Businesses that make, trade and serve.
06 — Before your first meeting
Bring these, and the first call goes twice as far.
You don't need everything to book. Whatever you have helps us give a sharper first view.
- Last 3 years' financial statements and ITRs
- Last 12 months' bank statements (all current accounts)
- GST returns for the last 12 months
- Sanction letters and repayment schedules of existing loans
- KYC of the business and promoters
07 — Insights
Notes from the credit side of the table.
Schemes · 9 Nov 2026
How CGTMSE cover works for collateral-free loans
Who it suits, what it costs, and where it fits in a funding plan.
Working capital · 9 Nov 2026
What CMA data is, and why your bank asks for it
The report behind most working capital limits, explained plainly.
Lending · 9 Nov 2026
Why good business loans get rejected
The avoidable reasons sound businesses are declined, and how to fix each one before you apply.
08 — Questions
Before you book.
Are you a lender?
No. FV Funding is a business funding advisor. We prepare your file and approach banks and NBFCs; the lender alone decides whether to sanction.
Do you guarantee approval?
No one honestly can. What we do is remove the avoidable reasons a file gets declined: the wrong lender, the wrong product, or numbers presented poorly.
Do you handle home, car or personal loans?
No. We work only on facilities that run and grow businesses.
What happens in the free 30-minute review?
We understand your requirement, timeline and existing borrowings, and tell you which type of facility is likely to fit and what we would need to prepare it.
Do I need all my documents before booking?
No. Book first. The checklist on this site shows what helps; we will tell you what else is needed after the first call.
Can you help with government schemes and subsidies?
Yes: capital and interest subsidies, CGTMSE, and central and Gujarat incentives. We check eligibility and handle the filing. The government agency decides and pays, usually after disbursement.
Start with a free 30-minute funding review.
Choose what it's about. Pick a time on the next screen.
10 am – 7 pm IST, every day · Video or phone