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Loan Solutions

Home Loan and Business Loan assistance for applicants and businesses whose requirements need careful assessment and appropriate lender-channel coordination.

Explore Home Loan Explore Business Loan

Loan Assistance by GAURANGA CAPITAL

One page. Two major loan categories. One structured process.

Residential Finance

Home Loan

Assistance for eligible residential property financing requirements, including purchase, construction, renovation, balance transfer and top-up requirements where permitted.

  • Purchase of residential property
  • Construction
  • Home improvement / renovation
  • Balance transfer
  • Top-up, where permitted
Request Home Loan Assistance
Business Finance

Business Loan

Assistance for eligible business financing requirements such as expansion, working capital, machinery or equipment and other permitted business purposes.

  • Business expansion
  • Working capital
  • Machinery / equipment
  • Business infrastructure
  • Eligible refinancing / balance transfer
Request Business Loan Assistance
Our approach: A requirement declined by one lender does not automatically mean that every financing channel will have the same criteria. We can review the available information and explore potentially suitable avenues, subject to lender policy, eligibility, documentation, credit assessment, security requirements and final approval.

Home Loan — Complete Information

Key factors that may be considered by lenders.

Who May Apply?

  • Salaried applicants
  • Self-employed applicants
  • Business owners
  • Professionals
  • Other eligible applicants

Common Purposes

  • Property purchase
  • Residential construction
  • Renovation / improvement
  • Balance transfer
  • Top-up where permitted

Assessment Factors

  • Income and repayment capacity
  • Age
  • Existing obligations
  • Credit history
  • Property and LTV requirements

Documents Commonly Requested

  • Identity and address proof
  • PAN and applicable KYC
  • Income proof
  • Bank statements
  • ITR / financial documents where applicable
  • Property / title / transaction documents
  • Additional documents requested by lender

Important

Loan amount, tenure, interest rate, fees, margin/LTV, eligibility and property conditions are lender-specific. The final terms are determined by the relevant lender after its assessment.

GAURANGA CAPITAL does not guarantee approval or a particular loan amount.

Business Loan — Complete Information

Business financing requirements assessed according to the applicant and lender profile.

Eligible Business Profiles

  • Proprietorships
  • Partnerships
  • LLPs
  • Private Limited Companies
  • Eligible professionals
  • Other eligible businesses

Common Purposes

  • Business expansion
  • Working capital
  • Machinery / equipment
  • Infrastructure
  • Eligible refinancing
  • Other legitimate purposes

Assessment Factors

  • Business vintage
  • Turnover and profitability
  • Banking conduct
  • GST / tax records where applicable
  • Existing liabilities
  • Credit profile
  • Security where applicable

Documents Commonly Requested

  • KYC and PAN
  • Business registration / proof
  • Bank statements
  • ITR and financial statements where applicable
  • GST records where applicable
  • Business / ownership documents
  • Security/property documents where applicable
  • Existing loan statements where applicable

Difficult or Previously Declined Cases

We can review the available facts of a previously declined requirement and assess whether another potentially suitable financing channel may exist.

This is not a guarantee of approval. The relevant lender independently decides eligibility, credit terms, security requirements and sanction.

How the Loan Assistance Process Works

From requirement to lender decision.

1Requirement
Tell us your requirement.
2Review
We review available information.
3Options
Potential lender channels are assessed.
4Coordination
Application/document coordination.
5Lender Decision
Sanction/disbursal subject to lender approval.

Request Loan Assistance

Choose the requirement that matches your case.

Home Loan Enquiry

Business Loan Enquiry

Frequently Asked Questions

Can you look at a case that another bank has rejected?

Yes. We can review the available information and explore whether another potentially suitable financing channel may exist. A lender's approval is never guaranteed.

Does GAURANGA CAPITAL directly sanction the loan?

No. GAURANGA CAPITAL provides loan and finance advisory/assistance. The relevant lender makes the final credit and sanction decision.

Will the interest rate be the same for every applicant?

No. Rates and terms depend on the lender, applicant profile, credit assessment, property/business profile and other applicable factors.

Can self-employed and business applicants enquire?

Yes, subject to the eligibility and documentation requirements of the relevant lender.

What documents should I keep ready?

Typical documents may include KYC, PAN, income or financial records, bank statements, tax/GST records where applicable, property documents and other documents requested by the lender.

Does submitting the enquiry mean approval?

No. Submission only requests assistance. Final eligibility, sanction, pricing and disbursement remain subject to the relevant lender's independent assessment and terms.