UGrowthConsultancy LLP
Free · two minutes · indicative

Is your business ready for a bank loan?

Answer a few quick questions. See what your bank is likely to question before you apply, and your estimated CGTMSE guarantee fee. Nothing leaves your phone unless you choose to send it.

Your business
As per your last ITR. 100 lakh = ₹1 crore
CGTMSE covers up to 1,000 lakh (₹10 crore)
From your last ITR. Use a minus sign for a loss
From your profit and loss account
Years in business
ITRs with audited accounts filed
GST returns up to date?
Business or promoter credit score
Any cheque or EMI bounce in the last 12 months?
Udyam registered?
Loan rejected in the last 12 months?

Answer the questions above to see your score.

How is this scored?

Out of 100: repayment capacity 20, years in business 15, audited ITRs 15, credit score 15, GST filing 10, loan compared with turnover 10, no bounces 5, Udyam 5, no recent rejection 5. Nothing you type here leaves your browser until you choose to send it.

Your score will appear when you've answered the questions.

Your report

Get your report, and Arjun's reading of it.

Send the summary to yourself on WhatsApp, or leave your details and Arjun calls within 1 hour, any day, any time.

Free. Your details stay with us. We share nothing with a bank without your OK.

Indicative only. CGTMSE fee slabs are the standard rates from 1 April 2025 (cgtmse.in), before GST and any risk premium.

Want the file built, not just scored?

Talk to Arjun. The first loan check is free.

See how it works