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Svasti Consultancy provides expert financial guidance and hassle-free loan solutions for businesses and individuals, smooth bank coordination, and timely disbursement.

About Us

Welcome to Svasti Consultancy — your trusted financial solutions partner for hassle-free secured and unsecured loans. Founded by Mr. Gaurav Patel, Svasti Consultancy brings professional banking expertise and practical financial guidance to individuals and businesses looking for reliable loan solutions.

With over 4+ years of experience working in reputed institutions like HDFC Bank and Kotak Mahindra Bank, our founder has deep knowledge of loan structures, bank policies, and credit assessment processes. This hands-on experience allows us to identify the most suitable loan options based on each client’s financial profile and business needs.

At Svasti Consultancy, we assist clients with working capital loans, CGTMSE loans, and other business finance solutions, ensuring smooth processing, transparent communication, and minimal documentation hassles. Our approach is simple — we focus on helping clients make the right financial decisions, not just arranging loans.

why choose us
  • Professional banking background & loan expertise
  • Transparent guidance with no false promises
  • Strong coordination with banks & NBFCs
  • Clear eligibility assessment before application
  • End-to-end support from application to disbursement
  • Client-first approach — “Helping, not just lending”
FEATURES & BENEFITS
  • Easy access to bank & NBFC funding
  • Reduced promoter capital investment burden
  • Yearly renewal structure with interest-only servicing
  • Improved cash flow for daily operations
  • Higher chances of additional funding due to lower obligations
ELIGIBILITY CRITERIA
  • Business vintage of minimum 2 years
  • Regular bank account maintenance
  • Last 2–3 years ITR filing required
  • Turnover generally above ₹1 crore
  • Good CIBIL and financial track record
  • Trusts, NGOs, and blacklisted entities not eligible

our services

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Working Capital Loans

Working capital loans are designed to help businesses manage day-to-day operational expenses and maintain smooth cash flow.

  • Available in secured and unsecured formats
  • Suitable for Proprietorship, Partnership, Pvt. Ltd. & Public Ltd. companies
  • Loan amount generally based on annual turnover
  • Typical eligibility ranges between 20%–25% of turnover (as per bank policy)
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CGTMSE Loans

CGTMSE is a Government of India scheme offering collateral-free loans to Micro and Small Enterprises.

  • No collateral or third-party guarantee required
  • Loan eligibility up to ₹5 crore (as per latest guidelines)
  • Ideal for startups and growing MSMEs
  • Supported by SIDBI and participating banks & NBFCs
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Secured & Unsecured Business Loans

We help businesses choose the right loan structure based on risk profile and financial strength.

  • Bank & NBFC loan options
  • Competitive interest rates
  • Flexible tenure and renewal options
  • Professional bank coordination
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Loan Advisory & Bank Coordination

Our team handles the complete backend so clients don’t have to deal with multiple banks.

  • Bank comparison and product selection
  • Documentation assistance
  • Credit evaluation support
  • End-to-end follow-up till disbursement
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💬 Book a FREE Working Capital Loan Consultation

Working Capital Loans

CGTMSE Loans

Secured & Unsecured Business Loans

Loan Advisory & Bank Coordination

ROI & Charges

Loan Amount

Rs. 1 Cr – 100 Cr

Tenure

1 Year – Renewal Basis

%

ROI

7.50% to 12.00%

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Processing Fees

0.25% – 2% + GST

Document Requirement for Working Capital Loan

Document Type
Details
ID Proof
PANCARD
Address Proof
Passport / Voter ID Card / Driving License
Registration Proof
GST Certificate / MSME Certificate / Gumastadhara
Income Proof
Last 12-month GST Return
Banking
Last 12 month Current & Saving Bank A/c Statement
ITR
Last 3 years Audited ITR along with computation of income, Balance Sheet and P & L A/c
Current Year – Projections / Provisionals
Current year performance and projected turnover etc
GST Returns
Last 12 month GST Returns

Apply For Loan

Quick and easy loan application process. Get the funds you need without the hassle.

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