Bank Finance
Securing the right financing is one of the biggest challenges for businesses, startups, and entrepreneurs. Access to adequate capital at the right time can decide whether a business grows, stagnates, or collapses. However, with the rising complexity of banking procedures, compliance requirements, and credit evaluations, businesses often struggle to get financial support from banks.
At Sinha & Associates, we specialize in Bank Finance Services in Kolkata and across India. With over 25 years of expertise in taxation, audits, compliance, and financial consultancy, we help clients prepare documentation, structure proposals, prepare project reports, and negotiate with banks for loans and working capital.
Our services are designed for:
Small and medium enterprises (SMEs) looking for working capital or term loans,
Startups seeking funding and project finance,
Corporates requiring structured finance,
Individuals applying for personal loans, housing loans, or business finance.
We ensure you get the right finance at the right time with minimum hassle.
Why Bank Finance Services Are Important
Business Growth – Finance helps expand operations, purchase machinery, and scale businesses.
Working Capital Support – Smooth cash flow ensures uninterrupted business operations.
Project Development – Bank loans fund new projects, ventures, and startups.
Compliance & Transparency – Well-documented financial proposals increase approval chances.
Risk Reduction – Professional guidance reduces the chances of rejection and improves creditworthiness.
Our Bank Finance Services
1. Business Loans
Working Capital Loans
Term Loans for business expansion
Machinery and equipment loans
Secured & unsecured business loans
2. Startup Funding & Project Finance
Preparation of detailed Project Reports & CMA Data
Assistance in availing startup loans under CGTMSE, Stand-up India, and Mudra schemes
Structuring of funding proposals to suit banks’ requirements
Guidance on debt-equity ratios and repayment planning
3. Cash Credit & Overdraft Facilities
Arrangement of cash credit (CC) limits for working capital needs
Negotiation with banks for favorable terms and interest rates
Renewal and enhancement of existing CC/OD limits
4. Housing Loans & Mortgage Loans
End-to-end assistance in applying for home loans
Mortgage-based loans against property for personal/business needs
Liaison with banks for quick approvals
5. Loan Against Assets & Securities
Loan against property, fixed deposits, insurance policies, and securities
Assistance in valuation and documentation
6. Trade Finance & Export-Import Loans
Packing credit and post-shipment finance for exporters
Import finance for traders and manufacturers
Bank guarantees and letters of credit (LC) arrangements
7. Government Subsidy & Loan Schemes
Guidance on MSME loan schemes, Startup India benefits, and priority sector lending
Assistance in availing subsidies and government-backed credit guarantees
8. Financial Restructuring
Restructuring existing loans to reduce EMI burden
Negotiating better terms with banks
Debt consolidation and refinancing
Who Needs Bank Finance Services?
Startups & Entrepreneurs – For seed capital and growth funding.
MSMEs & Small Businesses – For working capital, machinery, and expansion.
Large Corporates – For project finance and structured lending.
Exporters & Importers – For trade finance and global transactions.
Individuals – For housing loans, property loans, and personal finance.
Documents Required for Bank Finance
The documentation may vary by loan type, but generally includes:
KYC Documents (PAN, Aadhaar, Passport, etc.)
Business Proofs (GST registration, ROC documents, Partnership Deed, MSME certificate, etc.)
Financial Statements (Balance Sheet, Profit & Loss Account, Audit Reports)
Bank Statements (last 6–12 months)
Income Tax Returns (last 3 years)
Project Report / CMA Data (for business/startup loans)
Collateral Documents (property papers, security details, etc.)
Our Process
Client Consultation – Understanding the nature of business and financial requirements.
Eligibility Assessment – Evaluating credit score, turnover, financial strength, and repayment capacity.
Document Preparation – Drafting CMA data, project reports, and compiling supporting documents.
Proposal Submission – Filing the loan proposal with the bank in the correct format.
Bank Liaisoning – Coordinating with bank officials, resolving queries, and assisting in compliance.
Approval & Disbursal – Ensuring timely sanction and smooth disbursal of funds.
Post-Loan Support – Assistance in renewals, restructuring, and compliance with loan terms.
Benefits of Choosing Sinha & Associates
25+ years of experience in financial consultancy and compliance.
Expertise in CMA data and project report preparation as per RBI and bank norms.
Strong liaisoning network with leading banks and financial institutions.
Customized solutions for startups, SMEs, corporates, and individuals.
End-to-end support: from loan application to disbursal and renewal.
Assistance with government loan schemes (MSME, Mudra, Startup India, etc.).
FAQs – Bank Finance Services
Q1. What is the difference between a term loan and a working capital loan?
Term Loan: Long-term loan for business expansion, machinery, or projects.
Working Capital Loan: Short-term loan to meet day-to-day operational expenses.
Q2. What is CMA data and why is it important?
CMA (Credit Monitoring Arrangement) data is a financial statement prepared in a prescribed format that helps banks assess the financial health and repayment capacity of a business. It is mandatory for loan applications above a certain amount.
Q3. Can startups without collateral get bank finance?
Yes, under schemes like CGTMSE, Stand-up India, and Mudra Yojana, startups and small businesses can avail collateral-free loans.
Q4. What is the usual time taken for bank loan approval?
Depending on the loan type and bank, it may take 7–30 days for approval and disbursal. Proper documentation speeds up the process.
Q5. Do individuals also need professional assistance for home loans?
Yes, professional guidance ensures that applications are filed correctly, eligibility is maximized, and loans are sanctioned quickly at better interest rates.
Why Choose Sinha & Associates for Bank Finance Services?
Trusted by businesses, startups, and NGOs for financial solutions.
Deep knowledge of banking norms, RBI guidelines, and compliance requirements.
Transparent, ethical, and client-focused approach.
One-stop solution – Accounts, Audit, Tax, Compliance, and Finance under one roof.
Proven track record of successful loan approvals and financial restructuring.