Frequently Asked Questions

Straight answers before you write in.

General

Are you a bank or NBFC?+
No. Kredmark Finserv 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.

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.