Loan Advisory
At AJ Consultancy, we offer tailored loan advisory services for both individuals and businesses. From helping individuals achieve personal milestones with retail loans to empowering startups, MSMEs, and enterprises with customized corporate financing solutions, we combine deep market insight with strategic guidance to meet diverse financial needs.
Retail Loan Products
Personal Loans
A personal loan is an unsecured loan, meaning it doesn’t require collateral. It is one of the most popular financial products due to its simplicity and speed. At AJ Consultancy, we help clients assess their eligibility, compare interest rates from multiple banks/NBFCs, and compile documentation to secure the best possible deal. Whether the need is for a wedding, travel, or a medical emergency, our advisors ensure the entire process is hassle-free and quick. We also educate clients on maintaining credit health and understanding EMI affordability.
Home Loans
Buying a home is a major milestone, and our role is to simplify that journey. AJ Consultancy assists in choosing the right lending partner, interest type (fixed/floating), loan tenure, and EMI planning. We also provide assistance in documentation, legal property verification, and technical approvals. Our end-to-end support ensures our clients receive competitive home loan rates, minimal processing fees, and quick approvals. We further assist with refinancing, balance transfer, and top-up loans if needed.
Loan Against Property (LAP)
LAP enables clients to leverage their owned residential or commercial property to raise funds. The amount sanctioned depends on the value of the property and the borrower’s income profile. This is often used for business expansion, education, or medical treatment. Our advisors guide clients through property evaluation, documentation, legal checks, and ensure transparency throughout the process. We help unlock high-value funds while keeping repayments manageable.
Loan Against Securities
Instead of liquidating investments, clients can borrow against securities like shares, mutual funds, insurance policies, and bonds. This facility helps in meeting short-term liquidity needs without disturbing the wealth corpus. We help clients understand pledging mechanisms, margin requirements, and drawdown facilities. Since the market value of securities fluctuates, we also advise clients on managing risk and maintaining margins to avoid foreclosure.
Gold Loans
Gold loans are ideal for quick, short-term funding. Clients can use gold jewelry or coins as collateral. The loan amount is usually a percentage of the current market value of the gold. We assist clients in evaluating various gold loan schemes, interest rates (monthly or annualized), loan-to-value ratios, and tenure flexibility. It’s a preferred option for those who require funds without affecting long-term assets.
Corporate Loan Products
Overdraft / Cash Credit (OD/CC)
This is a flexible funding arrangement where a business can withdraw funds up to a pre-approved limit to manage day-to-day operational expenses. Interest is paid only on the utilized amount.
At AJ Consultancy, we help companies evaluate whether an OD/CC facility suits their cash flow cycle. We assist in preparing the required documentation including balance sheets, GST returns, income tax filings, and bank statements. We also negotiate with banks on interest rates and security conditions. This solution is perfect for managing short-term liquidity gaps.
Term Loans
A term loan is typically used for purchasing fixed assets, setting up new units, or business expansion. These loans are offered for a fixed tenure (usually 3–10 years) and repaid in structured EMIs.
We at AJ Consultancy help you define the purpose of the loan, determine optimal tenure, and select between fixed or floating interest rates. We also assist in project report preparation and financial forecasting to improve loan approval chances. Our long-standing relationships with banks ensure competitive rates and faster processing.
Raw Material Assistance Loan
This is a working capital finance product specifically designed to help manufacturing or trading firms maintain their raw material inventory.
By ensuring a regular and uninterrupted supply of raw materials, businesses can stabilize production schedules. Our team evaluates procurement cycles, vendor credit terms, and financial ratios to design a funding solution that bridges the gap between purchase and revenue realization.
Bill Discounting
This facility enables businesses to encash their invoices before the due date. It helps convert receivables into liquid cash, thus easing cash flow stress.
AJ Consultancy offers end-to-end support — from selecting the right lender to preparing bills, invoices, and contracts. We also help structure terms based on your debtor’s creditworthiness and invoice cycle. It’s an ideal solution for firms that offer credit to clients and need liquidity in the interim.
Lease Rental Discounting (LRD)
LRD is a loan offered against the rental income receivable from leased commercial property. This product allows real estate owners to monetize rental cash flow without selling the asset.
We guide clients through tenant validation, lease agreement vetting, cash flow projections, and lender negotiations. We help property owners raise substantial capital using predictable rent receipts as security.
Machinery Loan
Machinery loans help businesses purchase or upgrade their plant and machinery. Whether you’re installing new equipment or modernizing your operations, this product offers asset-backed funding at reasonable interest rates.
AJ Consultancy supports clients through vendor evaluation, asset valuation, and financial projections. We also assist in availing government schemes and subsidies, wherever applicable, such as the Credit Linked Capital Subsidy Scheme (CLCSS) for SMEs.
Why Choose AJ Consultancy for Loans?
Multi-lender Access – We have tie-ups with major banks and NBFCs.
Customized Loan Structuring – Based on income, repayment capacity, and goal.
End-to-End Support – From documentation to disbursal.
Confidential & Ethical Practices – Your financial data stays secure.
Education & Empowerment – We explain every clause and cost.
At AJ Consultancy, we don’t just help you get a loan — we help you get the right loan. With decades of financial expertise and a client-centric approach, we are committed to your financial well-being and long-term stability.