A clear, structured five-step approach that guides your business from the first conversation through documentation, lender coordination and all the way to funding approval and disbursement.
From your first call to final disbursement — here is exactly how Finex Finance Solutions works with you through every stage of the finance process.
Every finance journey starts with a conversation. We take the time to thoroughly understand your business, the purpose of the funding, your current financial position, the timeline you are working to and your long-term growth goals.
This is not a form-filling exercise. It is a genuine advisory conversation with experienced bankers who have seen hundreds of finance applications and know exactly what questions need to be answered before any application is prepared.
We conduct a thorough review of your business financials, existing loan obligations, revenue profile, industry category and project details. This helps us identify the right finance pathway — the type of loan, the right lender category and any government schemes or subsidies your business may be eligible for.
We are honest about what is achievable. If there are gaps in your financial position, we will tell you clearly and advise on how to address them before approaching lenders.
We structure the optimal finance solution for your specific business — including the right loan type (term loan, CC limit, OD facility, working capital loan), the appropriate loan tenure, the right repayment structure, collateral planning and any applicable subsidy or scheme applications to be filed alongside the main application.
Getting the structure right at this stage significantly improves approval chances and the overall cost of finance for your business.
This is where our institutional banking expertise delivers the most value. We prepare the complete documentation package that your lender requires — built to the standards credit officers at banks actually expect.
Every document is reviewed for accuracy, completeness and consistency before submission. A missing document or inconsistent figure can delay an application by weeks. We eliminate these risks before the application reaches the bank.
We submit the application to the lender and then stay actively involved throughout the assessment process. We respond to queries from the bank’s credit team, attend meetings where required, provide additional information as requested and follow up on assessment progress.
Our involvement does not end at submission — we support you through the sanction, documentation, legal formalities and final disbursement stage. You know exactly where things stand at every point in the process.
Your role is to provide the raw information about your business. Our role is to transform that into a bank-ready application package.
Timelines vary by loan type, lender and documentation readiness. Being fully prepared makes a significant difference.
Consultation to Documentation Ready: We gather your information, assess eligibility and prepare the complete application package.
Bank Submission to Initial Response: The lender reviews the application, may ask questions, and assigns a credit officer.
Credit Assessment to Sanction: Bank completes due diligence, property valuation, site visit and credit committee review.
Sanction to Disbursement: Legal documentation, mortgage execution, conditions precedent clearance and final disbursement.
Total typical timeline: 8–16 weeks for a well-prepared project finance application. Incomplete documentation is the most common cause of delays. Our preparation minimises this risk significantly.
Book a free Finance Discovery Call and we will walk you through the process specific to your business and funding requirement.
