BizOS compared
| Going to a bank directly | Using a loan agent (DSA) | BizOS | |
|---|---|---|---|
| Who checks your file first | You, then the bank | A DSA, for one or two banks | KIRA and a director, against many lenders |
| Credit rank (CMR) review | Rarely explained | Sometimes | Every time, in plain language |
| Schemes (CGTMSE, Mudra, PMEGP) | Only that bank’s | Limited | Matched from your figures |
| Books and GST ready for lenders | Your job | Your job | Tally and GST desk included |
| First assessment | Branch visit | Free | Free, online |