Financial Advisory & Loan Services in Gujarat

Serving Ahmedabad | Surat | Vadodara | Rajkot

Gujarat is one of India's most industrially driven states, powered by manufacturing, exports, and family-run enterprises operating across established industrial clusters. From Ahmedabad's diversified manufacturing base to Surat's textile and diamond exports, Vadodara's chemical and pharmaceutical ecosystem, and Rajkot's engineering and auto-component units, businesses in Gujarat require practical, execution-focused financing support, not generic bank applications.

Rhomboid Finguru provides end-to-end loan advisory, credit structuring, and syndication services across Gujarat, helping businesses secure funding aligned with lender credit policies, export cycles, and operational realities.

Who We Work With in Gujarat

We advise:

  • MSMEs and SMEs
  • Manufacturing promoters
  • Exporters and traders
  • Finance heads and business owners

Our Gujarat clientele includes:

  • Textile and diamond exporters in Surat
  • Chemical and pharmaceutical manufacturers in Vadodara
  • Engineering and auto-component units in Rajkot
  • Agro processors and commodity traders
  • Infrastructure and EPC contractors
  • Logistics and warehousing operators

Many businesses approach us after repeated bank follow-ups, file stagnation, or rejections due to documentation or CIBIL issues. Others engage us proactively for CGTMSE structuring, export finance coordination, or stressed asset resolution.

Gujarat-Specific Business Use Cases We Handle

Ahmedabad: Manufacturing, Trading & MSME Finance

Businesses in Ahmedabad commonly require:

We assist in aligning financials, GST data, and cashflows with PSU and private bank lending norms.

Surat: Textile & Diamond Export Finance

Export-oriented businesses in Surat typically need:

  • Packing credit (pre-shipment finance)
  • Post-shipment export credit
  • Letters of Credit (LC)
  • Bank Guarantees (BG)

We structure facilities based on export cycles, buyer terms, and foreign exchange exposure while coordinating documentation with banks.

Vadodara: Chemical & Pharmaceutical Funding

Companies in Vadodara often seek:

  • Equipment and machinery finance
  • Working capital for raw materials
  • Project finance for capacity expansion

Given the regulatory sensitivity of these sectors, we ensure compliance documentation and lender-ready cashflow projections.

Rajkot: Engineering & Auto-Component Units

Manufacturing units typically require:

  • Machinery loans
  • Bill discounting
  • Working capital for inventory and receivables

We structure proposals based on production cycles, debtor ageing, and inventory turnover.

How Our Financial Advisory Process Works

  1. Business & Funding Assessment
    Understanding your operations, funding objective, and current financial position.
  2. Eligibility & Lender Mapping
    Identifying suitable PSU banks, private banks, and NBFCs based on sector and profile.
  3. Proposal Structuring
    Aligning cashflows, repayment tenure, and documentation with lender credit frameworks.
  4. Documentation & Coordination
    Managing valuations, legal checks, export documentation, and bank queries.
  5. Execution Support Until Disbursement
    Continuous follow-ups and process coordination.

We do not promise guaranteed approvals or rates. Final outcomes depend on lender policy, borrower profile, and documentation quality.

Common Issues We Help Gujarat Businesses Avoid

  • Incomplete or outdated financials and GST filings
  • Export documentation gaps affecting credit limits
  • CIBIL errors from legacy or closed accounts
  • Applying for mismatched loan products
  • Regulatory non-compliance in chemical or pharma sectors
  • Cashflow projections that don't match export or seasonal cycles

Services Covered

Secured Loans

  • Home Loans: For property purchase, construction, or renovation. Documentation includes property papers, income proof, and KYC documents.
  • Loan Against Property (LAP): Leveraging owned property for business or personal funding. Process involves property valuation, legal verification, and credit assessment.
  • Lease Rental Discounting (LRD): Financing against lease rental income from commercial properties. Suitable for property owners with long-term lease agreements.
  • MSME Finance: Comprehensive working capital and term loan solutions including cash credit, overdraft, letter of credit, bank guarantees, export credit, bill discounting, invoice funding, and project finance. Documentation includes financial statements, bank statements, GST returns, and business operations details.

Unsecured Loans

  • Business Loans: Based on credit profile, cash flows, and business performance. Documentation includes financial statements, bank statements, GST returns, and business registration.
  • Personal Loans: For individuals based on creditworthiness and income. Documentation includes income proof, bank statements, and KYC documents.

Advisory Services

  • TransUnion CIBIL Reconciliation & Credit Profile Advisory: Identification and resolution of CIBIL discrepancies, coordination with lenders for corrections, and credit profile strengthening. We analyze credit reports, identify errors, coordinate corrections, and provide guidance on improving creditworthiness for better funding access.
  • Recovery & Resolution Advisory for PSU Banks: Consulting support for stressed assets and NPAs, including recovery strategy planning, restructuring options, OTS settlements, and IBC process support. We provide portfolio analysis, strategy development, and coordination with banks, aligned with regulatory frameworks.
  • CGTMSE & MSME Credit Advisory: Advisory for CGTMSE-backed collateral-free loans, eligibility assessment, proposal structuring, and coordination with banks. We assist in business evaluation, documentation preparation, and lender coordination for MSME funding solutions.

Why Gujarat Businesses Choose Rhomboid Finguru

  • Deep understanding of industrial lending in Gujarat
  • Strong experience with PSU bank processes
  • Export-focused credit structuring expertise
  • Advisory-led, execution-driven approach
  • Active coverage across Ahmedabad, Surat, Vadodara, and Rajkot

Frequently Asked Questions

Do you provide loan consultancy across Gujarat?

Yes. We actively serve Ahmedabad, Surat, Vadodara, Rajkot, and surrounding industrial clusters. We provide loan advisory, credit structuring, and syndication services across Gujarat.

Can you help exporters with bank limits and LCs?

Yes. We assist with export credit, LC/BG structuring, and coordination. We structure facilities based on export cycles, buyer terms, and foreign exchange exposure while coordinating documentation with banks.

Do you guarantee loan approval?

No. We provide advisory and execution support; final decisions rest with lenders. Outcomes depend on lender policy, borrower profile, and documentation quality.

Can you help fix CIBIL issues for businesses?

Yes. We analyze reports and coordinate corrections with lenders. We help identify CIBIL errors from legacy or closed accounts and strengthen credit profiles for improved funding access.

Get in Touch – Gujarat

If you're exploring business loans, MSME funding, export finance, or credit advisory in Gujarat, we can evaluate your case.

Office:

510, AT By AGM Vijaylaxmi Venture,
Plot 6/7, Mahal Industrial Estate,
Mahakali Caves Road, Andheri East, Mumbai – 400093

Phone: +91 82916 42739 | +91 74001 39877

Email: rhomboidfinguru@gmail.com | info@rhomboidfinguru.com

Website: www.rhomboidfinguru.com

Disclaimer: Final outcomes depend on lender policies, regulatory requirements, borrower profile, and documentation.