Client: M/s Manoj Kumar – Shri Hari Gruh Udhyog
Loan Product: CGTMSE Collateral-Free Loan
Sanctioned Amount: ₹35 Lakhs
Sector: FMCG / Manufacturing (Home Products)
Location: Gujarat, India
🚧 The Challenge
Shri Hari Gruh Udhyog, a fast-rising FMCG brand focused on home-use products, was scaling operations but lacked the asset base to secure a traditional loan. Despite strong demand and solid monthly orders, banks were unwilling to fund due to no collateral and informal accounting structures.
The business needed urgent working capital to meet bulk order commitments and expand production.
💡 The Ketzal Solution
Ketzal Financial Services stepped in to provide a structured, compliant approach:
- Reorganized financial data to present a strong credit case
- Prepared and submitted a CGTMSE-compliant proposal to identified lenders
- Handled all documentation, projections, and communication
- Matched the business with a bank offering zero-collateral loans under the MSME scheme
✅ The Outcome
Within weeks, Shri Hari Gruh Udhyog secured a ₹35 Lakh CGTMSE loan with zero collateral. This allowed the business to:
- Ramp up production to fulfill large FMCG orders
- Hire additional staff and streamline packaging
- Build better credibility with institutional buyers
Today, the brand is expanding its reach across Gujarat with improved cash flow and a scalable financial foundation.