Strategic Financial Consultation

WHO THIS IS FOR:
Entrepreneurs and MSME owners who need expert guidance on business credit, loan strategy, or financial planning decisions.

WHAT WE'LL COVER:
In a focused 60-minute session, we'll discuss your specific financial challenges and create a clear action plan.
This includes:
- Review of your current financial situation
- Strategic guidance on credit improvement or loan applications
- Answers to your specific questions - Prioritized next steps with timeline
- Follow-up summary document via email

THE PROCESS:
1. Book your session using the calendar below
2. You'll receive a brief questionnaire to help me prepare 3. We meet via video call (Zoom/Google Meet)
4. Within 48 hours, you receive written summary and recommendations.

INVESTMENT: ₹3,500 for 60 minutes
This is ideal if you need focused expert input on a specific financial decision or challenge.

MSME Loan Application Support

WHO THIS IS FOR:
Business owners preparing to apply for term loans, working capital, or MSME funding who want to ensure their application is complete, accurate, and positioned for approval.

WHAT'S INCLUDED:
A comprehensive preparation service that covers everything banks require: - Business profile and company overview preparation
- CMA (Credit Monitoring Arrangement) data preparation
- Project report and financial projections
- Document checklist and organization guidance
- Application review and refinement
- Bank presentation strategy
- One round of revisions based on your feedback

THE PROCESS:
1. Initial consultation call (45 minutes) to understand your business and funding needs
2. You provide necessary financial documents and information
3. I prepare the complete application package (2-3 weeks) 4. Review session to walk through all documents
5. Final revisions and delivery of application-ready materials

INVESTMENT: ₹15,000 - ₹25,000 (depending on complexity)
This is appropriate for loan amounts of ₹10 lakhs and above, where thorough preparation significantly impacts approval chances.

Business Financial Health Review

WHO THIS IS FOR:
Established businesses (2+ years operating) that want an independent, expert assessment of their financial position, credit health, and funding readiness.

WHAT YOU RECEIVE:
A comprehensive written report (12-15 pages) analyzing your business from a banker's perspective:
- Financial ratio analysis and interpretation
- Credit health assessment (business and personal)
- Cash flow strength evaluation
- Documentation readiness review
- Risk factors identification
- Improvement recommendations with priority roadmap
- 45-minute review call to discuss findings

THE PROCESS:
1. You submit financial statements, bank statements, and basic business information
2. I conduct thorough analysis (7-10 days)
3. You receive detailed written report
4. We schedule review call to discuss findings and next steps.

INVESTMENT: ₹8,000 - ₹12,000

This service provides an objective, professional assessment similar to what banks conduct internally, helping you see your business through their eyes before you apply for funding.

Monthly Financial Advisory Partnership

WHO THIS IS FOR:
Growing businesses that benefit from having an experienced financial advisor available for ongoing guidance, questions, and strategic input.

WHAT'S INCLUDED:
Continuous access to financial expertise as your business evolves:
- 2 scheduled 45-minute consultation calls per month
- Email support for urgent questions (48-hour response)
- Document review as needed
- Strategic guidance on funding decisions
- Financial planning support
- Early identification of potential issues

THE COMMITMENT: Minimum 3-month engagement, renewable monthly thereafter. Either party can conclude the arrangement with 30 days notice.

INVESTMENT: ₹12,000 per month This is suitable for businesses in growth phases, preparing for expansion, or navigating complex financial decisions throughout the year.

NOT SURE WHICH SERVICE FITS YOUR NEEDS?

I understand that choosing the right support can feel unclear. Let's have a brief conversation first. Book a complimentary 20-minute zoom call where we can discuss your situation, and I'll recommend the most appropriate path forward, whether that's one of these services, a different approach, or perhaps just some immediate guidance at no cost.

There's no obligation, and no pressure. Just a professional conversation to see if I can help.

WORKING TOGETHER: WHAT TO EXPECT

When you work with me, you're working with someone who has:

✓ 11+ years of hands-on banking experience evaluating MSME applications
✓ Direct knowledge of what banks actually look for.
✓ A calm, educational approach to finance.
✓ Genuine interest in your success (your win is my reputation)

I work with a limited number of clients at a time to ensure quality attention. If I'm at capacity, I'll let you know honestly and suggest when I'll next have availability. My commitment to you is professionalism, clarity, and practical guidance that serves your actual needs not what I want to sell you.

— Sangeeta Sharma