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In His Own Words

Kumar Vivek founded Retail & MSME Credit Consulting with a single mission — to make credit accessible, transparent, and structured for every business and individual who deserves it.

With over 14 years of hands-on experience in retail banking, mortgage finance, business credit, and MSME lending, he brings deep domain knowledge that goes far beyond just connecting clients to lenders.

He personally oversees every client engagement — from the first credit assessment to the final disbursement — ensuring that each case is properly evaluated, structured, and supported at every stage.

Specialisations

Areas of Expertise

Retail & Mortgage Credit

Deep expertise in home loans, loan against property, and balance transfer structuring across leading banks and NBFCs.

Business & MSME Lending

Specialised in business loans, working capital, CC/OD limits, and MSME credit under CGTMSE and MUDRA schemes.

Credit Assessment & Structuring

Thorough financial analysis, credit profiling, and proposal preparation tailored to each lender's underwriting criteria.

Bank & NBFC Coordination

Strong relationships with 30+ banks and NBFCs — enabling faster processing, better rates, and smoother disbursals.

Personal Loan & Unsecured Credit

Expert guidance on personal loans and unsecured business funding with minimal documentation requirements.

End-to-End Documentation Support

Complete support from document collection and verification to submission, follow-up, and final closure.

Working Style

His Approach

Understand First

Every client engagement starts with a thorough understanding of the financial requirement, business profile, and repayment capacity — before any lender is approached.

Structure for Success

Proposals are structured to match the lender's credit appetite, increasing approval probability and reducing back-and-forth.

Transparent at Every Step

Clients are kept informed about requirements, timelines, applicable charges, and terms — no surprises, no hidden agendas.

Stay Involved Till Disbursement

The engagement doesn't end at submission. Kumar Vivek stays involved through bank coordination, query resolution, and final disbursement.

Kumar Vivek

14+

1000+

₹1,000 Cr+

30+