Padamati Debt Funding Solutions
Chartered Accountants · Former bank credit managers

Know what the bank will sanction before you apply.

We're Chartered Accountants who have worked as credit managers inside banks. We assess your file the way a sanctioning authority does, tell you the exact amount you'll get, and structure the proposal to secure it — including cases other banks have already turned down.

₹10 L – ₹1000 Cr ticket size· PAN India· Sanction in 15–20 days
Why we're different

Not a loan agent. A credit desk on your side.

Most agents simply forward your documents and wait. We assess the file first — because we used to be the ones approving it.

Inside knowledge

We've sat on the bank's side

As former credit managers in reputed banks, we've assessed countless files. We know what gets approved, and why.

Track record

We rescue rejected files

A proven record of securing sanctions on loans that other banks had already declined outright.

Certainty

Clarity before you start

We tell you the amount you actually qualify for upfront — no long waits, no false hope, no guesswork.

More funding

More than a direct approach

Files we structure have secured ₹5–20 crore more than what clients were offered going to the bank alone.

Your time

Hands-off for you

We run the entire process end to end, so you stay focused on running your business.

Two disciplines

CAs and bankers in one

Chartered Accountants who structure the numbers correctly, with the bank-side experience to place them right.

Assistance in securing sanction

The facilities we structure and place

Real Estate Funding for Builders

Project finance structured and placed for residential and commercial developers.

Working Capital Loans

The full spectrum of working-capital facilities, structured and placed with the lender best suited to your business.

Overdraft / Cash Credit Dropline Overdraft Term Loans Bank Guarantee (BG) Letter of Credit (LC) Export Packing Credit (EPC) Loans against Work Orders Unsecured Loans under CGTMSE Business Expansion Finance

Unsecured Business Loan

Collateral-free funding sized to your business's cash flows and credit strength.

Loans Based on Rental Income

Funding structured against steady rental receipts from your property.

How it works

Four steps, start to disbursement

A clear path with zero disturbance to your day. It begins with a single phone call.

01

Talk to us

Call or WhatsApp with your requirement. A short conversation is enough to begin.

02

Free eligibility check

We analyse your financials and tell you the exact amount that's achievable.

03

We structure & submit

The proposal is built correctly and placed with the right banks and NBFCs.

04

Sanction & disbursement

We manage the process end to end until the funds are in your account.

0 Cr
Largest ticket size handled
5–20 Cr
More secured vs. a direct bank approach
00
Working days to a typical sanction
PAN
India
Wherever your business operates
Client results

Sanctions we've made happen

Real cases — many of them turned down elsewhere first. Figures are the amounts sanctioned with our help.

₹100 Cr
Real estate · NBFC funding

They got sanction for my real estate project for ₹100 crore from an NBFC — a case that was rejected when I approached many banks and NBFCs.

Real estate builder
₹80 Cr
Real estate · project finance

Structured and placed the funding for our real estate project at ₹80 crore, after other lenders were reluctant to take on a project this size.

Real estate developer
₹55 Cr
Working capital funding

Our working capital requirement of ₹55 crore was structured and sanctioned smoothly, giving us the headroom to take on larger orders.

Manufacturing business
₹40 Cr
Real estate · construction finance

Construction finance of ₹40 crore for our project was arranged efficiently, with terms far better than what we were quoted elsewhere.

Real estate developer
₹22 Cr
After multiple rejections

Securing this seemed impossible after several banks had said no. Their expertise and persistence made it real.

K Venkat Reddy
₹20 Cr
Enhanced from ₹15 Cr

A ₹15 crore sanction through a direct bank approach was restructured and enhanced to ₹20 crore at another bank — seamlessly.

G Dilip Kumar
₹15 Cr
Infra · work orders

Every bank had declined a work-order-based loan for our infrastructure business. With their help we secured it.

Madhu Sudhan Reddy
₹10 Cr
Water projects · Telangana

Funding for our Mission Bhagiratha projects came through thanks to their expertise and support.

M Ranga Reddy
₹5 Cr
Banker advised ₹1.5 Cr

The banker suggested ₹1.5 crore. They secured ₹5 crore and pushed my business to a new level.

S Raghava Reddy
₹2 Cr
Hospitality · rental income

Banks kept rejecting me over a bar-and-restaurant business despite steady rental income. They secured the loan when all hope was lost.

K Ravi Kumar
₹1 Cr
Against work orders

Sanctioned against work orders — it simply would not have been possible without these professionals.

Om Prakash
₹1 Cr
Fully outsourced

I handed the entire process to them and focused on operations. Hassle-free, and the sanction came through.

M Suresh
₹83 L
Approved in 15 days

After repeated rejections, they secured approval within the promised 15 days — timely funding that propelled my business.

Narayan
₹50 L
Logistics · CIBIL issue

A CIBIL setback had stalled my logistics loan. They addressed the concerns and got it sanctioned.

Rajesh Verma
Frequently asked

Questions, answered plainly

Credit managers are the loan-sanctioning authorities inside a bank — the people who decide how much actually gets approved.
Typically 15 to 20 working days, and often less, depending on the case.
First we look into the reason for the reduced score and work to mitigate the issue in every way possible before approaching lenders.
Yes. By analysing your financial statements and understanding your business, our credit-manager experience lets us tell you the exact amount you can expect — so you can plan accordingly instead of waiting through long bank processes.
Most agents have no knowledge of credit assessment. They only keep bank contacts and forward your documents, and can't tell you what will be sanctioned until the bank does — after a long process, and largely down to luck. We assess the file ourselves first. Once we take it up, there's no looking back.
Yes.
Up to ₹1000 crore.
Yes — provided the business has completed at least one year.
Alongside working capital and real-estate project finance, we also arrange unsecured business loans and loans structured against rental income.
₹10 lakh.
Free, no obligation

Find out what you qualify for.

A quick call is all it takes. We'll tell you the amount you can realistically expect — before you approach any bank.