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Success stories

What changed between the rejected file and the sanctioned one

These are representative cases from our practice. Client names are withheld; sectors, structures and outcomes are described as they happened.

Cases shown
6
Sectors
6
Routes
Scheme & bank
CGTMSEFood processing

₹3.4 Cr

Term loan + working capital

A spice processing unit doubles capacity after two earlier rejections

The promoter had been turned down twice.

Jodhpur, Rajasthan · 38 days to sanction
Bank creditEngineering & fabrication

₹1.8 Cr

Cash credit enhancement

Fabrication workshop clears a working capital squeeze at renewal

Turnover had grown 60% in two years but the cash credit limit had not moved since sanction.

Rajkot, Gujarat · 26 days
PMEGPPlastics & packaging

₹42 L project cost

Term loan with margin money subsidy

A first-generation entrepreneur sets up a packaging unit under PMEGP

No prior business record, no collateral, and a project cost estimate assembled from dealer conversations rather than quotations.

Bareilly, Uttar Pradesh · 11 weeks, application to disbursement
CGSSIT & software services

₹6 Cr

Venture debt

A logistics SaaS raises venture debt without diluting equity

The startup was DPIIT-recognised with steady ARR, but every proposal was written as an investor deck.

Pune, Maharashtra · 9 weeks
AHIDFDairy & livestock

₹7.2 Cr

Term loan with interest subvention

Dairy processing capacity added under AHIDF with a long moratorium

The existing plant was running at capacity, but the proposal mixed existing and proposed figures together.

Ludhiana, Punjab · 14 weeks
Bank creditTextiles & apparel

₹2.6 Cr

Refinance + term loan

A textile unit refinances costly debt and restores cash flow

Three unsecured facilities taken during a slow year were consuming most of the monthly surplus.

Tiruppur, Tamil Nadu · 33 days

Client voices

What people say afterwards

They told me on the first call that my project cost was too high for the scheme I wanted. Nobody else had said that. It saved me two months.

R. Venkatesan

Founder, engineering components unit · Coimbatore

The report reconciled. When the credit officer questioned a figure, we could show him exactly where it came from and what else it moved.

Sunita Agarwal

Director, food processing company · Indore

What I valued was the follow-up. The file did not sit anywhere for three weeks without somebody chasing it.

Mohd. Arif

Proprietor, packaging unit · Bareilly

We had been treated like a pitch deck by every lender. FIN.SWITCH wrote our numbers the way a credit committee reads them.

Kabir Menon

Co-founder, logistics software · Pune

My working capital limit had not changed in four years while my turnover doubled. The assessment they prepared made the case for me.

Jagdish Patel

Partner, fabrication workshop · Rajkot

They were clear that the subsidy comes after the loan, with conditions. I planned my cash flow around that instead of assuming.

Preeti Nair

Proprietor, millet processing unit · Mysuru

FIN.SWITCH · FINANCIAL SWITCH

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