Not Every Loan Transfers the Same Way
Each product — home loan, LAP, business, or machinery — carries a different rate logic, lender policy, and switching calculus. We diagnose the structure before recommending a move.
Each Product, Structured Differently
Home Loan Balance Transfer
LAP Balance Transfer
Top-up Loan
We map your outstanding principal, remaining tenure, and FOIR against current lender benchmarks to identify whether a transfer saves or merely shifts cost.
Loan Against Property carries a different LTV ceiling and rate band than home loans. We renegotiate against current property valuations and lender appetite.
A BT without a top-up may leave liquidity on the table. We calculate top-up eligibility alongside the transfer to maximize the restructuring outcome.
Business Loan
Working Capital
Machinery Loan
Lenders price business loans on revenue consistency and banking channel, not credit score alone. We structure the file to match the lender's actual underwriting logic.
OD limits and CC facilities are sanctioned on debtor cycles and turnover ratios. We present the cash-flow picture lenders need to see, not the one that's easiest to file.
Equipment financing is evaluated on asset life and depreciation schedules. We match tenure to asset utility and negotiate rates against the machinery's collateral grade.
Structure Before Rate
Most borrowers chase a lower headline rate. We read the full term sheet first — because the rate is only one variable in a multi-year cost equation.
We review the existing loan statement, sanction letter, and current rate against the lender's published benchmark — identifying the real gap, not the advertised one.
We run the file across multiple lenders simultaneously — mapping processing fees, prepayment clauses, and top-up eligibility to build a true cost comparison, not a rate table.
We recommend the optimal move — transfer, top-up, tenure change, or hold — and handle the documentation and lender coordination from sanction to disbursement.
You Already Took the Loan. Now Optimize It.
Bring your current loan statement. We'll tell you within one conversation whether a structured review makes financial sense — and what the numbers actually show.