Structured funding for businesses that need more than a standard loan.
Vibhuti Finserv is a specialist MSME funding consultancy based in Gurugram. We focus on cases where the structure matters as much as the money — working capital, CGTMSE-backed loans, and hybrid funding that combines multiple facilities into one workable package.
Built around one idea — better case preparation gets better outcomes.
Most business owners don't have a funding problem. They have a positioning problem. The same business, presented two different ways to the same bank, will get two different answers.
Vibhuti Finserv was founded in January 2024 with a clear focus: help MSMEs access credit not by sending their files to more lenders, but by preparing each case well enough that the right lender says yes the first time.
In just over two years, we've worked with 52 MSME businesses across manufacturing, trading, food service, and professional services — helping structure ₹87 Crore in working capital and CGTMSE facilities through a network of 10+ Public & Private Banks (No NBFC).
The work isn't volume. It's fit.
Three areas where structure changes the outcome.
Working Capital — structured, not just sanctioned
Most working capital rejections aren't about the business. They're about how the requirement was presented — cash credit vs. overdraft, fund-based vs. non-fund-based, drawing power calculations that don't match the actual cycle. We structure working capital limits that match how your business actually operates, not a template.
CGTMSE — the scheme used correctly
CGTMSE can fund up to ₹10 Crore without collateral, but most applications fail not because the business is ineligible — they fail on preparation. Coverage limits, hybrid security structures, sub-scheme selection, lender-specific CGTMSE policies. We know where each bank draws its lines.
Hybrid Funding — when one product isn't enough
Many businesses need a combination: a CGTMSE-backed term loan plus a working capital limit, or a partially collateralised facility stacked with a CGTMSE layer. Structuring these requires understanding both the business and the lender's internal credit approach. This is where most general consultants stop — and where we start.
Case preparation is the product.
We don't run a high-volume lead funnel. Every case gets attention because every case needs it.
Real assessment, not a sales pitch.
The first conversation is about whether your case is actually fundable — and if not yet, what needs to change. We'll tell you honestly if you're 3 months away from being bankable, rather than push a file the banks will reject.
Lender-matched structuring.
Different banks have different appetites. Some are strong on CGTMSE manufacturing cases, others prefer service-sector WC, some are more flexible on hybrid structures. We match your case to the lender most likely to approve it — not the one that pays the highest commission.
Case file preparation.
This is the invisible work that decides most sanctions. CMA data, projections, stock statements, turnover reconciliation, financial ratios presented in the way a credit officer reads them. We prepare the file the way a lender wants to receive it.
Active follow-through.
From sanction letter to disbursement, files get stuck on small things — a missed document, a clarification from credit, a valuation delay. We stay on it until the money is in your account.
How structure changes outcomes.
Client: Manufacturing business, rejected by 4 banks.
Business was fundable but being presented in a way that didn't match how lenders evaluate manufacturing cases in their sector. Four banks had already said no.
Restructured the requirement as a ₹4 Crore CGTMSE-backed term loan + ₹3 Crore working capital limit. Prepared the case file aligned to how a mid-sized PSB credit team actually reads manufacturing applications. Matched it to a lender whose CGTMSE desk had active appetite for the sector.
Sanctioned in 18 days.From a 4-bank rejection to a structured ₹7 Cr facility.
"The business hadn't changed between rejection #4 and sanction. The case preparation had."
Clients we've worked with.
A sample of recent cases across manufacturing, trading, food service, and professional services. Each one structured and placed based on what the business actually needed — not what was easiest to sell.
Nidhi Auto Pvt Ltd
Kushkhera
Auto parts manufacturer — direct supplier to Honda (via Indo Autotech)
Manufacturing the kind of precision parts that keep a Tier-1 OEM supply chain running, with cash cycles that do not fit a standard WC template. Structured as a hybrid facility combining term loan and working capital to match actual receivables-to-payables timing.
Dalip Global Button Pvt Ltd
Dharuhera
Manufacturer — buttons and elastic
Export-linked manufacturing with seasonal order concentration. Hybrid facility structured to handle peak inventory build-up without straining cash during lean months.
Venti Beats Enterprises
Delhi
Medical equipment trader
B2B medical equipment trading with institutional buyers on 60–90 day payment cycles. Structured as a CGTMSE-backed facility — collateral-free capital to fund inventory against confirmed orders.
Pizza Galleria
Sonipat
F&B / QSR — Shark Tank India contestant
Growth-stage food service brand with a national profile (Shark Tank India). Funded under CGTMSE to support expansion without pledging personal assets — keeping the founder's risk exposure separate from business leverage.
RK Tour and Travels
Gurgaon
Premium cab services — serving Japanese corporates in Delhi NCR
Fleet-dependent service business with a specialised client base (Japanese corporate houses). CGTMSE structure funded fleet expansion without property mortgage — important for a service business where the operating assets are the fleet itself.
Five businesses across manufacturing, trading, food service, and professional services. Five different structures — because no two cases are the same.
Led by experience, built around expertise.
Suryaa Singh
10+ years in MSME and structured lending. Before founding Vibhuti Finserv, Suryaa worked across Andromeda, PaisaBazaar, RKPL, Saarathi, and Decimal Technologies — handling home loans, loan against property, and secured lending at scale.
That background shaped how Vibhuti Finserv operates today. Working capital and CGTMSE cases succeed or fail on the same fundamentals as any secured credit decision: how clean the paperwork is, how the business is positioned against the lender's internal grid, and whether the structure matches what the credit committee can actually approve.
Suryaa personally handles case structuring for every working capital and CGTMSE file — which is why the volume stays focused and the outcomes stay consistent.
"I don't sell loans. I prepare cases. There's a difference — and it's the difference between a 4-bank rejection and an 18-day sanction."
Yatinder Mishra
Yatinder brings 15 years of experience in Mortgage and Financial Services, specialising in Home Loans, Loan Against Property, Balance Transfers, and Mortgage Advisory. He has worked across leading institutions including Indiabulls, ICICI Bank, Kotak Mahindra Bank, IDFC First Bank, and Tata Capital.
His focus is on customer-centric financial solutions — transparent processing, sharp credit assessment, and tailored loan structures that match the borrower's real situation. At Vibhuti Finserv, he leads mortgage and secured-lending cases alongside Surya's MSME funding practice.
This isn't for everyone.
We work best with:
- Manufacturing and service businesses with ₹1 Cr+ turnover
- Established businesses (2+ years) that need growth capital
- Businesses that have been rejected before and want to understand why
- Business owners who value a structured approach over a quick pitch
We're probably not the right fit if:
- You need a personal loan or unsecured consumer credit
- You need funding within 48 hours (our process takes 7–18 days for a reason)
- You're looking for the cheapest rate without regard to structure
How we think about this work.
Preparation over persuasion.
A well-prepared case doesn't need to be oversold. If we're pitching hard, we've already lost.
Honest at the start.
If a case isn't fundable yet, we'll say so — and tell you what needs to change. We'd rather lose a fee today than waste three months of your time.
One case, one relationship.
Most of our clients come from previous clients. We work accordingly — the next case referred to us depends on how well we handled this one.
Structure is the service.
Rates matter. Tenure matters. But the structure — how the facilities fit together, how they sit on your balance sheet, how they match your cash cycle — is what makes a loan work or fail over its life.
Have a case worth discussing?
If you're evaluating a funding requirement — especially one that isn't straightforward — we'd rather have a 20-minute conversation than take an application.