The Difference Between 'Pending' and 'Approved'.
Our expert-prepared documents are the key. We craft the flawless CMA Data, Project Reports, and CA Certificates that bankers want to approve.
Your Loan Approval in 3 Simple Steps
We've simplified the entire process. From first call to final file, we're with you all the way.
1. Free Consultation
Tell us your needs. We'll identify the exact documents required for your specific loan type and bank.
2. Expert Document Prep
Our CAs and financial experts prepare your files, perfectly aligned with bank and scheme templates.
3. Bank Approval
Submit your documents with confidence and get the support you need, all the way to loan disbursal.
The Khemchandani Finance Guarantee
We are not just a service, we are your partners. Our entire process is built on a foundation of trust, speed, and expertise.
24-Hour Guarantee
Get your documents provided within 24 hours, guaranteed.
7-Day Money Back
No-questions-asked 7-day money-back guarantee.
Bank-Ready Docs
Docs prepared as per specific bank and scheme templates.
350+ Bank Partners
We know the requirements for 350+ bank branches.
5+ Years Experience
Over 5 years of dedicated financial documentation expertise.
Unlimited Revisions
Unlimited revisions for 1 month to ensure 100% satisfaction.
Free Consultation
A free, no-obligation consultation to discuss your exact needs.
Full Support
Free support until the very end of your loan process.
Our Core Loan Documentation Services
These are the essential, high-impact documents banks require. We prepare them with expert precision.
CMA Data
Crucial Credit Monitoring Arrangement (CMA) data to analyze your company's financial health and projections.
₹999
Project Report
A comprehensive, data-driven report detailing your business plan, technical feasibility, and financial projections.
₹999
Get Udyam Registration Absolutely FREE!
As a bonus, we provide free Udyam Registration with our CMA Data or Project Report services.
Complete Financial Support Services
From preparation to certification, we cover every document you'll need for your loan.
Financials (3 Years)
Estimated & Projected Financials (Balance Sheet, P&L) for 3 years.
₹499
Activate NowCA Certificates
Net worth, turnover, and other certificates required by banks.
₹1999 ₹999
Activate NowITR Filing
Fast & accurate ITR filing with computation. (Financials at just ₹199/year)
₹499
Activate NowExpert Guidance on Government Loan Schemes
We help you navigate complex government schemes to maximize your subsidy and loan benefits.
Mudra Yojana (PMMY)
For non-corporate, non-farm small/micro enterprises.
Loan Amount: Up to ₹10 Lakh
PMEGP
Prime Minister's Employment Generation Programme.
Subsidy: 15% to 35% on project cost
Stand-Up India
For enterprises run by SC/ST or Women entrepreneurs.
Loan Amount: ₹10 Lakh to ₹1 Crore
Startup India Seed Fund
Funding for startups for proof of concept, prototype, and market entry.
Benefit: Up to ₹50 Lakhs
What Our Clients Say
"The CMA data was perfect and exactly what the bank manager asked for. Khemchandani Finance got it done in 24 hours. My loan was approved a week later. Highly recommend!"
Ritesh Sharma
Small Business Owner, Bhopal
"I was confused about the Stand-Up India scheme. Nikhil and his team provided a detailed project report and guided me through the whole process. Their support was invaluable."
Priya Singh
Founder, Indore
"Fastest CA certificate service I've ever used. I needed a net worth certificate urgently, and they delivered it the same day. Incredible service."
Anil Agarwal
Contractor, Jabalpur
Frequently Asked Questions
What is CMA data and why do I need it?
CMA (Credit Monitoring Arrangement) data is a detailed financial report showing your company's past performance and future projections. Banks use it to assess your financial health and ability to repay the loan. It's mandatory for most business loans, especially for working capital and term loans.
How is a Project Report different from CMA data?
While CMA data focuses purely on financials, a Project Report is a more comprehensive document. It includes your business plan, market analysis, technical feasibility, promoter details, and *then* the financial projections (which include CMA). It's essential for new businesses or for expanding into new areas.
What documents are generally required for a business loan?
While it varies by bank, common documents include: KYC of Promoters (PAN, Aadhaar), Business Registration (Udyam, GST, etc.), last 2-3 years ITR with financials, last 12 months' bank statements, and a detailed Project Report or CMA Data. We specialize in preparing these crucial reports.
Can I get a business loan for a new business (new company)?
Yes, it is possible. Loans for new businesses often fall under schemes like PMEGP or Startup India. Since you won't have past financials, the bank will rely *heavily* on a highly detailed and convincing Project Report to understand your business plan, market, and financial projections. A professional report is critical for new businesses.
How do I prepare a project report for a bank loan?
A professional project report needs an executive summary, promoter/company profile, details of the project (location, machinery, etc.), total project cost, a market analysis, and detailed financial projections (CMA data). As experts, we gather this information from you and structure it in the precise format banks demand.
Why is CMA data important for a cash credit (CC) limit?
CMA data is critical for a CC limit because it forecasts your working capital cycle. It shows the bank how much stock (inventory) and receivables (debtors) you will hold, which justifies the amount of credit you are requesting. It proves you have a plan and can manage the cash flow.
What is the difference between a working capital loan and a term loan?
A Term Loan is for a specific, one-time purchase (like new machinery or a new office) and is repaid over a fixed period (e.g., 5 years). A Working Capital Loan (like a Cash Credit or Overdraft) is used for day-to-day business operations (like buying stock or paying salaries) and is a revolving credit line.
What is a good CIBIL score for a business loan?
Generally, banks prefer a CIBIL score of 750 or higher. However, a strong Project Report and solid financial projections can sometimes help if your score is slightly lower, as it gives the bank more confidence in your business's future profitability.
What if the bank asks for revisions in the documents?
This is a key part of our service. We offer **unlimited revisions for one month** and full support until your loan is processed. If the bank needs any changes, just send us their feedback, and we will make the necessary adjustments free of charge.
Why should I pay for this? Can't I do it myself?
While you can try, bank managers review hundreds of these reports. They can instantly spot an amateur or template-generated report. Our 350+ bank branch connections mean we know the *exact* format and data points each bank manager is looking for. Paying for a professional report is an investment that shows the bank you are serious and prepared, dramatically increasing your chances of approval.
What is a CA Certificate and why is it needed?
A CA Certificate is a document certified by a Chartered Accountant that verifies specific financial information. Banks often require these to confirm your Net Worth, Annual Turnover, or to certify that you are not a defaulter (a "No-Default" certificate). It adds a layer of professional verification that banks trust.
How does the 7-Day Money-Back Guarantee work?
Simple. If you are not satisfied with the quality of the documents we provide, just let us know within 7 days of delivery. We will try to fix it first, but if you're still not happy, we will refund your money. No questions asked.
Ready to Secure Your Loan?
Stop worrying about paperwork. Our experts are ready to build your bank-ready financial documents today. Start with a free, no-pressure consultation.