The promoter's balance sheet is part of the company's
Personal and promoter borrowing arranged and, more often, restructured — because expensive personal debt is what drags an otherwise fundable company file down.
What we arrange
Loan against residential or commercial property, promoter top-ups against existing facilities, consolidation of high-cost personal and card debt, and bridge borrowing against expected liquidity events.
Why consolidation comes first
Three personal loans at 16–22% and a revolving card balance will hurt the promoter CIBIL that your company loan depends on. Consolidating into one secured facility usually cuts the cost and repairs the score inside two or three quarters.
Where we say no
Borrowing personally to fund operating losses in the business is almost always the wrong answer. We will say so before arranging it.
Start with a funding-readiness profile
Register your company once. The same consented profile is matched across lenders, investors, government schemes, partnerships and investment routes — and assessed on your CMR rank and director CIBIL records.
Questions we are asked
Does a promoter's personal loan affect the company's loan eligibility?
Yes. Lenders assess promoter obligations and credit conduct alongside the company, so high-cost personal debt and a weak promoter score directly reduce business loan eligibility.
What is loan against property used for?
LAP raises secured, lower-cost funds against owned residential or commercial property — commonly used for business expansion, consolidating costlier debt, or bridging a liquidity gap.