Financial Advisory & Loan Services in Tamil Nadu
Serving Chennai | Coimbatore | Madurai
Tamil Nadu is one of India's most diversified business economies—spanning large-scale manufacturing, export-oriented MSMEs, IT services, education, healthcare, and infrastructure contracting. From Chennai's automotive and IT corridors to Coimbatore's textile and engineering clusters and Madurai's trade-led enterprises, businesses here require well-structured, lender-ready financing, not generic loan applications.
Rhomboid Finguru provides advisory-led loan structuring and financial consulting for businesses across Tamil Nadu—helping promoters navigate bank policies, credit frameworks, and documentation complexity to improve approval outcomes.
Business & Industrial Hubs We Serve in Tamil Nadu
Chennai – IT, Automotive, Infrastructure & Corporate Finance
Chennai hosts IT services firms, automotive OEMs and component suppliers, EPC contractors, logistics operators, and corporate headquarters. Businesses here often seek:
- Working capital & cash credit
- Equipment & machinery finance
- Lease Rental Discounting (LRD)
- IPO & pre-IPO financial readiness
- Structured LAP for expansion
Coimbatore – Textiles, Engineering & Export-Led MSMEs
Coimbatore's textile manufacturers, foundries, and engineering exporters require:
- Export credit & bill discounting
- Machinery & term loans
- CGTMSE-backed collateral-free funding
- Cashflow-aligned repayment structuring
Madurai & Tier-2 Cities – Trade, Education & Healthcare
Businesses in Madurai, Trichy, Salem, Erode, and Tiruppur typically require:
- Term loans against property
- Education institution financing
- Healthcare equipment finance
- Working capital for trading businesses
Who We Work With
We advise:
- SMEs & MSMEs
- Manufacturers & Exporters
- IT & Technology Companies
- Educational Institutions
- Healthcare & Pharma Businesses
- Infrastructure & EPC Contractors
- Corporate Promoters & CFOs
Many clients approach us after bank applications stall due to:
- Weak proposal structuring
- Cashflow mismatch with EMI schedules
- CIBIL discrepancies
- Sector-specific compliance gaps
We step in before rejection becomes permanent damage.
Typical Financing Use Cases in Tamil Nadu
Textile & Manufacturing Businesses (Coimbatore, Tiruppur)
- Working capital, CC/OD, export credit
- Equipment & modernization finance
- Structuring based on production cycles and inventory turnover
IT & Technology Companies (Chennai)
- Unsecured business loans
- Cashflow-based funding
- IPO & scale-up advisory
- Growth-projection aligned structuring
Automotive & Engineering Units
- Machinery loans
- Project finance
- Asset-backed working capital
- Technical risk profiling for lenders
Educational Institutions
- Term loans against approved premises
- Fee-collection-aligned repayment models
- Regulatory-compliant proposal structuring
Pharma & Healthcare
- Equipment finance
- Expansion capital
- Compliance-led documentation packaging
How Our Advisory Process Works
- Requirement & Eligibility Assessment
We study your business model, funding objective, credit profile, and documentation readiness. - Lender & Product Mapping
We identify banks and NBFCs whose credit policies align with your profile—no blind submissions. - Proposal Structuring & Documentation
Cashflows, ratios, narratives, and repayment logic are aligned to lender risk frameworks. - Bank Coordination & Follow-ups
We manage queries, clarifications, and status updates through to outcome.
We do not promise approvals or rates. We improve probability, clarity, and lender confidence.
Common Pitfalls We Help Businesses Avoid
- Incomplete GST / financial filings
- Cashflow projections that don't match EMIs
- Incorrect or outdated CIBIL data
- Missing sector-specific approvals
- Applying to the wrong lender first (this kills deals)
Fixing these early saves months of lost time.
Financial & Loan 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
- IPO Advisory & Pre-IPO Support: Financial readiness assessment, documentation support, and coordination with investment bankers, legal advisors, and regulatory bodies. We assist in financial structuring, regulatory compliance review, and process coordination. We work alongside merchant bankers and legal advisors, focusing on financial aspects rather than regulatory approvals.
- 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.
Serving Tamil Nadu & Cross-State Businesses
We advise clients across Tamil Nadu, while also supporting promoters with operational or expansion links to Bengaluru, Mumbai, and other commercial hubs—ensuring funding structures remain consistent across states.
Frequently Asked Questions
Do you provide loan consultancy across Tamil Nadu?
Yes. We serve businesses across Chennai, Coimbatore, Madurai, and surrounding regions. We provide loan advisory, credit structuring, and syndication services across Tamil Nadu.
Can you help if my business loan was rejected?
Yes. We identify gaps, restructure proposals, and realign lender selection. We analyze cashflow presentation issues, CIBIL discrepancies, product mismatches, and documentation gaps to improve approval chances.
Do you guarantee loan approval?
No. We provide advisory and execution support; approvals depend on lenders. We improve probability, clarity, and lender confidence. Outcomes depend on lender policies, borrower profile, and documentation quality.
Do you assist with CIBIL correction?
Yes. We analyze credit reports, identify discrepancies, and coordinate corrections with lenders. We help strengthen credit profiles for improved funding access.
Get in Touch – Tamil Nadu Financial Advisory
If you're exploring:
- Business loans
- MSME funding
- CIBIL correction
- IPO readiness
- Stressed asset resolution
We can evaluate whether your case is structurable before you lose time with banks.
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.