Success Stories

The Challenge

Rajiv, a mid-level executive in a reputed IT firm, found himself in a financial crisis. A few years ago, a personal loan default had brought down his CIBIL score to a red-flag zone. When a family emergency required ₹35 lakhs, he was denied unsecured loans by every major bank and private lender. Despite a good salary, his past records were holding him back.

What We Did

Our team at Goodloanz conducted a full credit and asset review. We discovered that Rajiv's family jointly owned a residential property on the outskirts of Chennai. Though he didn't initially consider it, we guided him in getting the title clarified and supported him with legal documentation. Using this property, we structured a secured loan with a trusted private financier.

The Challenge

Murugan, a successful real estate developer, had defaulted on a ₹6 Cr loan, putting his ₹35 Cr commercial asset under SARFAESI proceedings. Not only was the bank preparing for auction, but he also needed an additional ₹15 Cr to complete a pending government infrastructure contract.

What We Did

We initiated legal consultations to delay the auction and simultaneously negotiated a takeover loan through a high-net-worth private lender. Post SARFAESI clearance, we leveraged the now unencumbered asset to raise another ₹15 Cr as working capital.

The Challenge

Ramesh's textile unit was growing, but he was unable to scale operations due to repeated loan rejections. Banks flagged irregular business returns and an average credit profile as red flags, despite his monthly turnover crossing ₹30 lakhs.

What We Did

We conducted a business audit and helped him prepare a cleaner, lender-friendly income file. We identified a suitable NBFC that accepted leasehold collateral and understood seasonal cash flow cycles typical to textile exports.

The Challenge

As a first-generation entrepreneur running a fast-growing D2C clothing brand, Priya faced a common hurdle—no collateral, no legacy, no funding. She needed ₹15 lakhs for inventory and marketing but couldn't clear the eligibility bar for business loans.

What We Did

We helped build a custom revenue model based on her Shopify backend and payment gateways. We created financial projections and pitched her to a fintech-backed NBFC that supports digital-first businesses.

The Challenge

Nagaraj's commercial land was under SARFAESI action after missing EMI payments for over 6 months. With the auction notice posted and time running out, Nagaraj was desperate to protect the family asset.

What We Did

Our legal team reviewed the SARFAESI order and worked on a private funding proposal that could satisfy the pending dues. We prepared the property papers, secured valuation, and processed a private loan of ₹40 lakhs.

The Challenge

Karthik's credit score of 619 was holding him back from getting even a basic personal loan. He had a stable income but past defaults were dragging him down.

What We Did

We prepared a step-by-step credit recovery plan:

• Took a gold loan and closed it early to show active repayment
• Opened an FD and issued a credit card backed by it
• Cleaned up old errors in CIBIL report