Kredmark Advisory
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Frequently Asked Questions

Straight answers before you write in.

General

Are you a bank or NBFC?+
No. Kredmark Advisory is a financial advisory firm, not a lender. We structure your case and connect you with the right bank or NBFC from our network — final sanction and disbursal rest with the lender, not with us.
Which cities do you operate in?+
Hyderabad, Bangalore, and Mumbai.
How long does the process usually take?+
It depends on the loan type, the lender, and how quickly documentation comes together — straightforward cases move faster than larger structured facilities. Write in with specifics and we'll give you a realistic estimate rather than a generic number.
Can a bank or NBFC change policy after my loan process starts?+
Yes. Lenders can revise eligibility rules, pricing, documentation, exposure limits or internal credit appetite while a file is in progress. Kredmark will help you understand the change and look for practical alternatives where possible, but lender policy changes and final sanction conditions are controlled by the bank or NBFC.
What should I understand before using Kredmark's help?+
Kredmark helps you think through the funding route, prepare the case and approach suitable lenders. Our work improves clarity and lender readiness, but it is not a promise of approval, pricing, timeline or disbursal. Final decisions always depend on the lender's review and the facts of the file.

Loan Against Property

What LTV can I expect on a loan against property?+
Typically 50–70% of the property's market value, depending on property type, location, and the lender's policy.
What's the difference between LAP and Lease Rental Discounting?+
Standard LAP is secured against the property itself. Lease Rental Discounting is specifically against a leased, income-generating property, and the loan amount is sized around the rental cash flow rather than the property value alone.

MSME Funding

What documents are typically needed?+
GST filings, bank statements, and Udyam/MSME registration are usually the starting point. Exact requirements depend on the lender and the specific facility.
What is Bill Discounting?+
It converts unpaid customer invoices into cash immediately, rather than waiting out the full payment cycle — useful when your working capital is tied up in receivables.

CGTMSE

What qualifies as CGTMSE-eligible?+
Registered MSMEs seeking collateral-free credit, up to the guarantee slab applicable under the current CGTMSE scheme.
Is CGTMSE only for new businesses?+
No — both new and existing MSMEs can be eligible, subject to lender and scheme criteria.

Real Estate & Project Advisory

Do you work with landowners as well as developers?+
Yes. Landowners get help shaping a raw plot into a fundable, positioned project. Developers get construction finance structured against a plan built to actually sell.
What ticket sizes do you handle for project funding?+
It varies by project scope, location, and lender. Write in with the specifics and we'll give you a straight answer rather than a generic range.

Debt Reconciliation

What if I already have loans across multiple banks?+
That's exactly the kind of case debt reconciliation is for. We verify balances against each lender's records, correct discrepancies, and restructure where the terms no longer fit your business.