Expert CMA data preparation, credit proposals, DSCR & MPBF calculations by a Senior Banking Professional who has evaluated hundreds of MSME loan cases from the bank's side. I know exactly what gets loans sanctioned — because I have sanctioned them.
Fill the form and we'll respond within 24 hours with a free initial review of your case. No obligation, no upfront payment required to get started.
🇮🇳 Pan-India Clientele:
We have successfully served MSME owners, manufacturers, traders, and service providers across Maharashtra, Gujarat, every state and union territory across India. Distance is no barrier — everything is online.
All enquiries replied within 24 hours. First assessment is completely free. Serving all of India online.
Entire process handled online — WhatsApp, email, and video call. Delivered anywhere in India within 3–5 working days. No physical visit required.
Fill the contact form or WhatsApp us with your loan requirement and basic business details. Works from anywhere in India.
Day 1We call or video-chat within 24 hours, assess your case thoroughly, and provide a clear fixed quote and timeline — no obligation.
Within 24 HrsSend your financial statements, ITR, bank statements & business details securely via WhatsApp or email from anywhere in India.
Day 2–3Get your complete, PSB-ready proposal with full CMA data, ratios, appraisal note delivered to your email — ready to submit to any nationalised bank.
Day 3–5Calculate your monthly EMI, total interest payable, and view a complete year-wise amortization schedule. Pre-filled rates for all major PSB loan types.
Select loan type · Adjust sliders · Instant results
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Upload all required documents for your loan proposal here. Our expert will review them and begin preparing your file. All uploads are secure and confidential. Facing a technical issue? Email documents directly to [email protected]
Confidentiality: All documents uploaded here are used solely for the purpose of preparing your loan proposal or advisory service. Your data is never shared with any third party, bank, or institution without your explicit consent.
Browser-based storage only: Uploaded files are stored in your browser's memory for the current session only. They are not saved on any external server. You must ensure you complete the upload and submission in a single session. Refreshing or closing the page will clear all uploaded files.
File formats accepted: PDF (preferred), JPG, PNG, DOCX. Maximum file size is 1 MB per document (strict limit). For larger files, please use the email option below.
No guarantee of completeness: Uploading documents here does not by itself initiate any service. Our expert will contact you after reviewing the documents to confirm the scope of work, pricing, and next steps. Loan sanction remains at the sole discretion of the lending bank's Credit Sanctioning Authority — document submission to us does not create any obligation on any bank to sanction any loan.
Having trouble uploading? If you face any technical issue with this upload portal, click the Open Gmail button below — it opens Gmail directly in your browser. Or email manually to [email protected] — our expert will acknowledge within 24 hours.
Select your applicant type to see the relevant document checklist:
Once you have uploaded your documents, submit them directly to our expert via email — or download as ZIP for your records.
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MSME Credit Professional provides expert MSME loan proposal preparation, CMA data preparation, DSCR calculation, MPBF calculation (1st Method of Lending and Turnover Method), Pre-Sanction Inspection (PSI) reports, Udyam Registration assistance, and retail loan advisory services across all of India — 100% online. Our expert, a 15-year Senior Banking Professional from a Public Sector Bank, helps MSME owners, traders, manufacturers, and salaried employees prepare bank-ready loan documents for all 12 Nationalised Banks of India including SBI, PNB, Canara Bank, Union Bank, Bank of Baroda, Bank of India, and more. We also assist with loan rejection revival, CIBIL score advisory, and one-on-one learning sessions for credit appraisal. Serving all states and union territories of India including Maharashtra, Gujarat, Punjab, Haryana, Delhi NCR, UP, Rajasthan, MP, Bihar, West Bengal, Tamil Nadu, Karnataka, Telangana, Kerala, Odisha, Jharkhand, Uttarakhand, and Jammu & Kashmir.
Transparent, fixed pricing. No hidden charges. Every document prepared as per current RBI & PSB credit policy guidelines — delivered online across all of India.
Complete Credit Monitoring Arrangement data — projected P&L, balance sheets, cash flow statements, working capital assessment, and all key financial ratios in PSB-accepted format.
₹5,000 – ₹15,000Complete appraisal note with CMA data, MPBF (both methods), DSCR, FOIR, CIBIL review, SWOT analysis, security details, ROI workings & full PSB-format proposal document.
₹10,000 – ₹25,000PSI report preparation for MSME loans in proper PSB format as per RBI inspection guidelines and bank credit policy. Covers unit visit details, securities, and observations.
₹3,000 – ₹8,000Before you apply — understand your MSME loan eligibility, identify document gaps, assess CIBIL impact, and receive a clear roadmap for a strong PSB loan application strategy.
₹1,500 – ₹3,000MSME loan rejected by a PSB? We identify the exact reasons, fix the proposal weaknesses, address CIBIL or ratio concerns, and prepare a much stronger reapplication case.
₹2,000 – ₹5,000Discuss your specific MSME loan file over a one-on-one call — eligibility strategy, documentation review, ratio concerns, or bank selection. Personalised guidance for your exact case.
₹1,000 / 45 minGet your official Udyam Registration Certificate from the Government of India portal — Aadhaar-based, paperless, and mandatory for accessing PSB loans, government schemes, CGTMSE, and MSME subsidies.
₹500 – ₹1,000Complete documentation support, PSI report preparation, eligibility assessment and proposal writing for all categories of retail loans from Nationalised / Public Sector Banks. All services delivered 100% online across India.
Eligibility assessment, PSI report, income assessment, repayment capacity (FOIR) calculation, and complete documentation support for PSB home loan applications.
₹2,000 – ₹5,000Loan Against Property / Mortgage Loan proposal preparation — property valuation advice, eligibility calculation, DSCR for business LAP, FOIR assessment, and complete PSB-format documentation.
₹3,000 – ₹8,000Vehicle loan eligibility assessment, PSI report, income and FOIR calculation, documentation checklist, and proposal support for PSB auto loan applications including commercial vehicles.
₹1,000 – ₹2,500Eligibility check, FOIR assessment, CIBIL review, documentation checklist, and bank-format application support for personal loan applications to all PSBs.
₹800 – ₹2,000Complete guidance for pension loan / pensioner loan applications to PSBs — eligibility check, pension income assessment, FOIR calculation, and documentation support for retired government employees.
₹800 – ₹1,500Pre-Sanction Inspection report for Home Loan, Auto Loan, and Personal Loan in proper PSB format. Covers all mandatory fields required by nationalised banks before loan sanction.
₹1,500 – ₹4,000One-on-one interactive sessions conducted over video call or phone — led by a 15-year Senior Banking Professional. Whether you want to learn credit appraisal or discuss your specific loan file, these sessions are designed to give you direct, personalised expert guidance.
A structured one-on-one learning session covering the complete MSME credit appraisal process as practised in PSBs. Ideal for bank employees, CAs, DSAs, MBA students, and MSME borrowers wanting to understand the process.
Deep-dive session on retail loan processing — Home Loan, Auto Loan, Personal Loan, Pension Loan, and Mortgage/LAP — covering eligibility calculation, FOIR, documentation, PSI, and PSB credit policy.
Have your specific loan application, proposal, or case discussed directly with our expert over a one-on-one call. Get clear, actionable guidance on what's strong, what needs fixing, and exactly how to proceed for approval.
A comprehensive structured learning programme covering both MSME and retail credit appraisal — 8 sessions total. Best value option for banking professionals, CA students, DSA agents, and aspiring credit officers wanting full credit knowledge.
Most consultants prepare documents. We prepare documents the way PSB credit officers want to read them — because our expert has spent 15+ years sitting on the approval side of the table.
My loan was rejected twice before I came here. The CMA data and proposal were so professionally prepared that SBI sanctioned my CC limit within 10 days of resubmission. Exceptional.
As a CA, I now refer all clients needing MSME proposals here. The PSB-format documents — DSCR, MPBF calculations — are exactly what PSB credit departments expect to see.
We got our term loan from PNB for machinery expansion — ₹1.2 Cr sanctioned with zero additional queries raised. The financial projections and DSCR analysis were perfect.
Being in Surat, I was worried about getting help remotely. The entire proposal was handled online — WhatsApp and email. My Canara Bank working capital loan came through in 2 weeks.
The entire process was smooth even though I'm based in Hyderabad. Quick turnaround, professional documents, and the expert knows the exact language PSBs want to see in a proposal.
After CIBIL score issues, I thought no PSB would give me a loan. The expert reviewed my case, structured the proposal correctly, and we got sanctioned at a competitive rate of interest.
Real feedback from real business owners and salaried professionals across India who trusted us with their loan proposals.
Share your loan requirement — we'll review it at zero cost and tell you exactly what's needed, the right approach, and a realistic timeline. No commitment, no pressure.
MSME Credit Professional operates as an independent documentation and advisory service. The following disclaimers govern all engagements, communications, and services provided by us.
The sanction, rejection, partial sanction, or modification of any loan application is entirely and exclusively the decision of the Credit Sanctioning Authority of the concerned lending institution — be it a Nationalised Bank, Public Sector Bank, or any other regulated lender.
Engagement of MSME Credit Professional for any service — documentation preparation, CMA data, credit proposal, PSI report, eligibility assessment, or advisory — does not create, imply, or guarantee any obligation on the part of the bank to sanction the loan under any circumstances.
We are a professional documentation and credit advisory service. Our role is strictly limited to preparing credit proposals, CMA data, PSI reports, and providing educational guidance based on publicly available RBI guidelines and general banking knowledge.
We are not a bank, NBFC, registered financial advisor (SEBI/RBI), loan agent, Direct Selling Agent (DSA), broker, or any regulated financial intermediary. We do not approach, negotiate with, or represent any bank or lending institution on your behalf.
By engaging our services or submitting an enquiry, you confirm that you have read, understood, and accepted the above disclaimer and terms of service. Last updated: May 2026.