Accessing bank and institutional finance — CGTSME-backed facilities, project loans, working capital, and other business finance — succeeds or fails on readiness, not slogans. PJRJ provides management consulting to structure the ask, prepare CMA and financial packs, stress-test repayment capacity, and coach lender Q&A. We advise and prepare your case; we do not lend money, guarantee sanction, or act as a loan agent.
Who it's for
- SMEs evaluating CGTSME or collateral-light working-capital routes
- Companies preparing project loan or term-loan proposals for expansion or capex
- Promoters needing CMA data, projections, and bank-ready financial narratives
- Boards comparing business finance options before approaching lenders
Deliverables
- Finance-need diagnostic — purpose, quantum, tenure, and security narrative options
- CGTSME / working-capital / project-loan readiness checklist mapped to your facts
- CMA-style projections, ratio packs, and repayment capacity notes for lender review
- Document index and Q&A tracker for bank or NBFC diligence
- Post-sanction compliance calendar support for covenants and utilisation reporting
Our approach
- 1Clarify funding purpose and whether CGTSME, project, WC, or hybrid fits the story
- 2Clean books, GST/TDS positions, and projections before lender access
- 3Build consulting packs — not application forms filed in the bank’s name
- 4Support management through lender meetings and information requests
- 5Hand over utilisation and covenant monitoring notes if retained after sanction
Banks decide credit. Our role is management consulting so your numbers, narrative, and documents are lender-ready — especially for CGTSME, project loans, and business working-capital facilities.
Business finance consulting is delivered from Delhi and Gurgaon for Indian SMEs and mid-market companies nationwide.
Discuss your business finance consulting requirements
Speak directly with a PJRJ specialist — we respond within one business day.