Hi everyone 👋

I work in the business financing space in India and have experience dealing with different types of funding options like:

• Unsecured business loans
• Working capital (CC/OD)
• Machinery financing
• Loan against property
• Invoice discounting
• Debt and equity funding

Over time, I’ve seen a lot of common challenges businesses face, such as:

• Loan rejections despite good turnover
• Confusion between different funding options
• High interest rates or poor structuring
• Cash flow issues even in profitable businesses

I thought it would be helpful to do an AMA and answer questions around how business funding actually works in practice.

You can ask me about:

• How banks/NBFCs evaluate loan applications
• Why loans get rejected
• Differences between secured vs unsecured loans
• Working capital vs term loans
• When equity makes sense vs debt
• Common mistakes businesses make while raising funds

Not here to promote anything, just sharing knowledge and real-world insights.

Ask me anything 🙂