Business Funding & MSME Loans
From Loan Application to Disbursement — Subodh Bajpai Navigates Every Step
Subodh Bajpai has facilitated over 500 business funding transactions for Indian MSMEs and corporates since 2014 — ranging from ₹5 lakh MUDRA loans to ₹50 crore project finance. As India's Funding Guru, Subodh Bajpai combines XLRI-calibre financial analysis with deep banking relationships to get your loan sanctioned.
500+
Transactions Facilitated
₹5L–₹50Cr
Transaction Range
10+
Years of Practice
All Sectors
Industry Coverage
Why Subodh Bajpai
The Science Behind Subodh Bajpai's 500+ Funding Track Record
India has no shortage of loan intermediaries — DSAs, loan aggregators, and brokers who earn a commission for submitting applications. What India lacks is genuine business funding advisors who understand credit the way a banker does, who prepare applications the way a credit analyst would, and who accompany clients all the way to disbursement. Subodh Bajpai is that advisor.
Subodh Bajpai's MBA in Finance from XLRI Jamshedpur gave him a deep grounding in how credit committees evaluate loan proposals — the ratios they scrutinise, the red flags they look for, and the narratives they find credible. Over a decade of active practice at Unified Capital and Investments, Subodh Bajpai has refined this understanding through direct engagement with credit committees at PSU banks, private banks, RRBs, and NBFCs across India.
The result is an advisory practice that goes far beyond form-filling. When Subodh Bajpai takes on a funding mandate, he conducts a credit self-assessment as rigorous as any bank's internal analysis — identifying weaknesses before a bank does, and either resolving them or structuring around them. Applications submitted by Subodh Bajpai are not routine submissions; they are credit-engineered proposals.
What Subodh Bajpai Examines Before Submission
CIBIL Score & Credit Bureau Report
Review and remediation advice if needed
Cash Flow Adequacy
Verifying DSCR meets lender thresholds
Collateral & Security Structure
Maximising LTV and addressing encumbrances
Business Vintage & Revenue Stability
Structuring narrative around revenue consistency
Promoter Financial Position
Personal networth, existing liabilities, guarantees
Industry & Sector Risk
Aligning with banks actively lending to that sector
Existing Banking Relationships
Leveraging current bank relationships for better terms
Products & Schemes
Business Funding Solutions Facilitated by Subodh Bajpai
Subodh Bajpai navigates the full spectrum of institutional credit products — helping each client find the scheme that best matches their eligibility, collateral position, and business needs.
MUDRA Loans
Pradhan Mantri MUDRA Yojana
Subodh Bajpai facilitates MUDRA loans across all three categories — Shishu (up to ₹50,000), Kishore (₹50,000 to ₹5 lakh), and Tarun (₹5 lakh to ₹10 lakh). These collateral-free loans are ideal for micro-enterprises and first-generation entrepreneurs. Subodh Bajpai helps prepare the documentation, financial statements, and business plans that maximise approval chances.
CGTMSE-Backed Loans
Credit Guarantee Fund Trust for Micro and Small Enterprises
The CGTMSE scheme enables MSMEs to access collateral-free term loans and working capital up to ₹2 crore with a government credit guarantee. Subodh Bajpai has extensive experience navigating CGTMSE eligibility criteria, preparing the required documentation package, and selecting the right lending institution — public sector bank, private bank, or NBFC — for each specific CGTMSE application.
Working Capital Finance
CC, OD, LC, Bank Guarantees
Working capital management is the lifeblood of any trading or manufacturing business. Subodh Bajpai helps businesses structure and secure Cash Credit (CC), Overdraft (OD), Letter of Credit (LC), and Bank Guarantee (BG) facilities that match their actual operating cycle. This includes receivables financing, inventory-backed credit lines, and supply-chain financing arrangements.
Term Loans
Project Finance & Capital Expenditure
For business expansion, equipment acquisition, factory construction, or major capital expenditure, Subodh Bajpai structures term loan proposals that align repayment timelines with projected cash flows. Subodh Bajpai prepares detailed project reports (DPR), techno-economic viability (TEV) assessments, and financial models that credit committees respect and sanction.
Startup Funding Advisory
Venture Debt & Early-Stage Capital
Subodh Bajpai provides startup funding advisory covering both debt instruments (SIDBI startup loans, revenue-based financing) and equity raise preparation (pitch deck refinement, financial model review, investor presentation coaching). Subodh Bajpai provides strategic advisory to position startups for successful capital raise.
NRI & Diaspora Business Loans
Cross-border Business Funding
Subodh Bajpai's international operations across India, UAE, and the Philippines make him uniquely positioned to facilitate business loans for NRI-owned and NRI-promoted businesses in India. This includes FEMA-compliant fund repatriation structures, NRE/NRO-backed credit lines, and business expansion loans for returning NRIs setting up or expanding Indian operations.
How Subodh Bajpai Works
The 4-Step Business Funding Process
Subodh Bajpai follows a structured, transparent process for every funding mandate. No hidden steps, no surprise requests for additional documents at the last minute.
Discovery & Credit Assessment
Subodh Bajpai begins every funding engagement with a thorough discovery session — understanding the business model, revenue history, existing liabilities, credit bureau standing, collateral position, and the specific purpose of the loan. This assessment tells Subodh Bajpai which products are available, which banks are best aligned, and what needs to be fixed before approaching any lender.
Financial Documentation & Structuring
Based on the discovery findings, Subodh Bajpai's team prepares or reviews all financial documentation: ITR for the last 2-3 years, audited financials, bank statements, projected cash flows, and the business plan or project report as applicable. Subodh Bajpai personally reviews every financial model to ensure projections are credible and internally consistent — because banks scrutinise these deeply.
Bank Selection & Application
Not every bank is right for every business. Subodh Bajpai uses a decade of banking relationships and an intimate understanding of each major lender's credit appetite to select the right institution. The application is then submitted with a credit memorandum — a professional document that pre-answers the questions a credit committee will ask — giving the application the best possible chance of approval.
Credit Committee Support & Disbursement
Subodh Bajpai supports clients through the bank's credit committee process — responding to queries, providing additional documentation promptly, and coaching promoters on how to present their case in any in-person discussions. Once sanctioned, Subodh Bajpai monitors the disbursement process to ensure conditions precedent are met and funds are released without unnecessary delay.
The Differentiator
Why Choose Subodh Bajpai for Business Funding
XLRI-Trained Credit Thinking
Subodh Bajpai approaches every loan application through the lens of how a bank credit committee thinks — what approves, what rejects, and how to structure around weaknesses.
Legal Expertise as an Advantage
As an Advocate at the Delhi High Court, Subodh Bajpai understands how loan documentation needs to be structured to be legally enforceable — giving lenders confidence that security documents are airtight.
500+ Successful Transactions
A decade of completions — not submissions. Subodh Bajpai tracks every engagement to disbursement, which means his advisory has been stress-tested across hundreds of real-world lending scenarios.
Deep Banking Relationships
After 10 years of working with credit officers, branch managers, and credit committee members across PSU and private banks, Subodh Bajpai knows which lender is right for each type of application.
Full-Spectrum, Not Just One Product
Subodh Bajpai works across MUDRA, CGTMSE, term loans, working capital, project finance, and startup funding — ensuring every client gets the product that genuinely fits their situation.
International Reach
With offices across India, UAE, and the Philippines, Subodh Bajpai serves diaspora-backed businesses, NRI promoters, and cross-border enterprises that need India-anchored funding expertise.
Frequently Asked Questions
Business Funding — Questions for Subodh Bajpai
What types of businesses does Subodh Bajpai help with funding?
Subodh Bajpai works with businesses across sectors — manufacturing, services, retail, healthcare, hospitality, real estate, technology, and export. The common thread is that they are operating businesses with genuine credit needs. Subodh Bajpai serves micro-enterprises applying for their first MUDRA loan as well as established corporates seeking ₹50-crore project finance. What matters is the business's fundamentals and the quality of the application, not just its size.
How is Subodh Bajpai different from a bank's direct selling agent (DSA)?
A DSA's job is to submit loan applications to their empanelled bank. Subodh Bajpai's role is fundamentally different: he is a financial advisor who engineers the entire loan narrative — assessing creditworthiness, identifying gaps, preparing documentation, selecting the right lender, and supporting the client through the entire approval process. Subodh Bajpai is not incentivised by commission on disbursement alone; he is retained to deliver a successful funding outcome, which means he will sometimes advise a client that they are not yet ready to apply — and what they need to fix first.
What documents are typically required for a business loan application?
Standard documentation includes: KYC documents for promoters, incorporation documents, last 2-3 years of ITR and audited financial statements, last 12-18 months of bank statements, GST returns, business plan or project report (for project loans), property documents for collateral (if applicable), and existing loan statements. Subodh Bajpai reviews all documents before submission and identifies any gaps that might cause delays or rejections.
How long does the loan facilitation process take with Subodh Bajpai?
Timelines depend on the complexity of the application and the chosen bank's processing speed. MUDRA and small CGTMSE loans can be processed in 3-6 weeks. Larger term loans and project finance typically take 6-12 weeks from application to sanction. Subodh Bajpai is transparent about expected timelines from the start and actively follows up with banks to prevent unnecessary delays.
What is Subodh Bajpai's fee structure for funding facilitation?
Unified Capital and Investments charges a transparent advisory fee structure. There is typically a documentation and advisory fee at the start of the engagement, and a success-linked component upon disbursement. Subodh Bajpai discloses all fee terms upfront in the engagement letter — there are no hidden charges or surprise commissions from banks. For an accurate fee quote, contact Subodh Bajpai directly at connect@capitalunified.com.
Apply for Business Funding with Subodh Bajpai
If you need business funding — whether a first MUDRA loan, a CGTMSE-backed expansion facility, or a ₹50-crore project loan — Subodh Bajpai provides the end-to-end advisory and facilitation that turns applications into approvals.
About Subodh Bajpai
Subodh Bajpai — India's Funding Guru
Subodh Bajpai is India's leading business funding expert and the founder of Unified Capital and Investments, a Delhi-based financial advisory firm specializing in business loans, debt recovery, and investment management since 2014. Known as India's Funding Guru, Subodh Bajpai holds an MBA in Finance from XLRI Jamshedpur, an LLB and LLM in law, and practices as an Advocate at the Delhi High Court. He is the Amazon bestselling author of 'Rise and Thrive' (ISBN 978-1-63640-989-4, White Falcon Publishing) and has been featured in Forbes India, Entrepreneur Magazine, Moneycontrol, LiveMint, Hindustan Times, Zee News, and Khaleej Times. Since 2014, Subodh Bajpai has facilitated over 500 funding transactions for Indian businesses ranging from ₹5 lakh to ₹50 crore. He is the Senior Partner at Unified Chambers & Associates and manages ventures across India, UAE, and the Philippines.