Kharar's Trusted Debt Syndication Partner — Low CIBIL • NPA Resolution • Collateral-Free Loans Check Eligibility Free →
Bhushan Consultancy — business funding advisory
✦ Debt Syndication & Financial Advisory

Smart Funding Solutions, Even When Banks Say No.

Expert advisory for challenging loan profiles — low CIBIL rehabilitation, NPA/settled account resolution, no-ITR surrogate income cases, 100% collateral-free credit and Government-subsidized schemes. We turn rejected files into approved funding.

Check Loan Eligibility Free Consult on WhatsApp
  • Multi-Bank, NBFC & Alternative Lending Syndication
  • End-to-End DPR & CMA Preparation
  • Dedicated Govt Subsidy Desk
  • 100% Confidential Profile Diagnostic
Bhushan Consultancy advisory team

Why Businesses Choose Us

₹5 Cr
Max Collateral-Free Funding (CGTMSE)
35%
Capital Subsidy Under PMEGP
4
Bureaus Audited — CIBIL, Experian, Equifax
100%
Online, Confidential Process
Multi-Lender Syndication
PSU, Private Banks & NBFCs
Govt Subsidy Desk
PMEGP · MUDRA · CGTMSE
Ethical Advisory
Zero Misleading Promises
Confidential Diagnostic
Secure Profile Assessment
Bhushan Consultancy office, Kharar
Low CIBIL
Credit bureau audit across CIBIL, Experian & Equifax to detect reporting errors and structure settlements
NPA Resolution
OTS structuring, restructuring advisory and fresh working-capital syndication
No-ITR Profiling
Banking surrogate evaluations and GST-backed turnover models for non-standard cases
About Bhushan Consultancy

Strategic Credit Advocates for Rejected & Complex Profiles

At Bhushan Consultancy, we believe that an imperfect credit report, a past financial setback, or an absence of ancestral property should never restrict business growth or personal aspirations. Mainstream retail banking channels rely heavily on rigid automated screening algorithms that reject viable entrepreneurs and individuals simply due to score discrepancies or non-traditional accounting.

We function as your strategic credit advocates — analyzing underlying banking volume, operational turnover and financial feasibility to construct bankable proposals, formulate CMA data and Detailed Project Reports, and navigate applications through the right government guarantee schemes and supportive institutional lenders.

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Our Process

Our 4-Step Approval Framework

A structured, transparent path from diagnosis to disbursement.

1

Free Profile Diagnostic

Evaluation of bureau reports, bank transactions and prior rejection reasons to pinpoint the root challenge.

2

Financial Engineering & DPR

Preparation of bankable project reports, projected financials, CMA data and scheme alignment.

3

Institutional Syndication

Submission directly to targeted underwriting desks across banks, private institutions and NBFCs.

4

Sanction & Disbursement

Legal checks, subsidy tagging on nodal portals and fund disbursement into your account.

Specialized Solutions

Built for Hard-to-Approve Cases

Where conventional branch banking says no, we find the path forward.

Low CIBIL & Credit Restoration

Comprehensive credit bureau audits across CIBIL, Experian and Equifax to detect reporting errors, structure settlements for write-offs, and place your profile with lenders that look at current capability, not historic defaults.

Stressed Accounts & NPA Resolution

For SMA-2 or NPA classified accounts, we assist with One-Time Settlement (OTS) structuring, restructuring advisory, and viable fresh working-capital syndication once encumbrances are resolved.

No Formal ITR / Cash-Flow Profiling

For profitable enterprises with high turnover but minimal tax paperwork, we prepare banking surrogate evaluations, GST-backed turnover models and cash-flow statements for non-standard lender appraisal.

100% Collateral-Free Business Loans

For entrepreneurs without immovable property to mortgage, we structure unsecured commercial limits, machinery hypothecation facilities and CGTMSE-backed credit lines up to ₹5 Crore without third-party collateral.

Master Loan Portfolio

Financing Options Across Every Need

Government schemes, business credit, secured property loans, project finance and retail lending — under one roof.

PM

PMEGP Scheme

15% to 35% capital subsidy for micro-units, manufacturing and service enterprises.

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MU

PM MUDRA Yojana

Shishu, Kishore & Tarun tiers — collateral-free funding for micro and small businesses.

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SI

Stand-Up India

Bank loans for SC/ST and women entrepreneurs setting up greenfield enterprises.

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CG

CGTMSE Coverage

Collateral guarantee cover enabling unsecured credit lines up to ₹5 Crore.

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48hrs
Quick Profile Review
₹5 Cr
Max Collateral-Free Funding
100%
Online, Confidential Process
4
Govt Schemes Desk (PMEGP/MUDRA/CGTMSE/SUI)
Why Choose Us

Why Choose Bhushan Consultancy?

Proven Expertise in Hard Cases

We specialize in profiles rejected by conventional branch banking.

Government Subsidy Mastery

Accurate structuring for PMEGP, MUDRA and CGTMSE so maximum eligible grants are locked in.

Extensive Lender Network

Partnerships across PSU banks, private banks, cooperative institutions and NBFCs.

Zero Misleading Promises

Realistic, legal and ethical advisory on viability from day one.

End-to-End Administrative Handling

From DPR drafting and portal submissions to branch follow-ups — we handle the entire process.

100% Confidential Diagnostic

Your financial profile is assessed securely and never shared without consent.

Ready to Turn a Rejected File Into Approved Funding?

Get a free, confidential profile diagnostic from our advisory team. Tell us your requirement and we'll get in touch within 24 hours.

Check Your Loan Eligibility — Free

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Get In Touch

Talk to Our Advisory Team

Call / WhatsApp

+91 70090 54932

Email Us

Bhushaanconsultancy2024@gmail.com

Visit Our Office

SCO 36, 2nd Floor (Above Bikey Wear, Backside of Gopal Sweets), New Sunny Enclave, Sector 125, Kharar, Punjab.
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