Government Loans

Overview

Scheme-backed lending is credit offered on better terms than ordinary commercial borrowing, usually through banks and financial institutions under a government programme — concessional rates, longer tenure, and in several schemes a credit guarantee that reduces or removes the security you would otherwise have to pledge.

The guarantee is often the point. A business with a sound plan but no collateral can be fundable under a guaranteed scheme and unfundable outside it. Which scheme fits depends on your constitution, sector, turnover, vintage and what the money is for.

Banks decline far more files for being incomplete or inconsistent than for being unviable. We prepare the projections, statements and scheme paperwork the lender expects, keep the numbers consistent across every document, and stay with the file through appraisal so queries are answered rather than left to stall it.

Why choose this

Benefits of Government Loans

• Concessional terms

  Scheme-backed lending is typically offered on better rates or tenure than ordinary commercial borrowing.

• Often collateral-free

  Several schemes carry a credit guarantee, so security requirements can be lower or waived.

• Complete application file

  Projections, statements and scheme paperwork prepared in the form the lender expects.

• Followed through with the bank

  Queries during appraisal are handled rather than left to stall the file.

How it works

1. 01

   Requirement and eligible schemes identified

2. 02

   Financials and projections prepared

3. 03

   Lender approached and file submitted

4. 04

   Appraisal queries answered

5. 05

   Sanction terms reviewed with you

6. 06

   Documentation completed and disbursement followed up