Reviews

Our working capital limit had not been revised in four years while our order book had almost doubled. Two banks told us to come back with audited figures for another year. Fortunerise looked at the same numbers and said the problem was how the stock and receivables were being presented, not the numbers themselves.

They reworked the proposal and we got an enhanced OD limit in about five weeks. The limit is nearly double what we had. What I valued most was that Thirulog sir told me upfront which two banks would say no and why, instead of letting us waste a month finding out.

Our OEM customer moved from 45-day to 90-day payment terms and our cash flow simply could not absorb it. We needed a bill discounting arrangement quickly.

Fortunerise had it in place within a month against invoices from that customer. They also flagged that we should renegotiate the credit period rather than just finance the gap forever — advice about my business, not just about the loan.

First home, and I did not know what half the documents meant. I had a pre-approved offer from my salary account bank and assumed that was the best I would get.

Fortunerise compared it against three other lenders and found one at 0.4% lower with no processing fee for my employer category. Over twenty years that is a genuinely large amount of money. They also handled the builder NOC follow-up, which I had been dreading. Sanction to disbursement was about three weeks.

Buying in Chennai while working in Dubai meant a power of attorney, NRE account documentation and a time difference on every call. The process was slower than a resident application would have been — roughly seven weeks — and I want to be honest that some of the back and forth was frustrating.

But the delays were with the bank and the registrar, not with Fortunerise, and they gave me a status update every few days without my having to ask. My father is elderly and I did not want him running around; he did not have to.

I needed an overdraft against my practice income to fit out a second clinic. Most banks wanted collateral I was not willing to give. Fortunerise knew which lenders treat professional income as its own category and arranged an OD on that basis.

Clean process, no surprises on charges, and they were reachable on WhatsApp when I had a question at nine at night.

We had four EMIs running — two credit cards, a personal loan and a consumer loan — and were paying more in interest than in principal. I was quite embarrassed to even discuss it.

Nobody at Fortunerise made me feel small about it. They consolidated everything into one loan against our flat at a much lower rate, and our monthly outgo dropped by roughly forty percent. The paperwork took longer than I expected, about six weeks, because our old lender was slow to release the foreclosure letter. But the team chased it, not me.

Three years of filings, decent revenue, no real assets to pledge. Every banker I met asked the same first question about collateral and stopped listening after the answer.

Fortunerise put together a proper project report with projections and took it to lenders who actually fund service businesses. We closed unsecured term funding for the fleet expansion. They were also honest that the rate would be higher than a secured loan — no overselling, which is why I went back to them for the second round.

My daughter’s college admission came through at short notice and I needed funds in ten days. I expected the usual runaround.

They asked for exactly the documents needed, not a pile of extras, and the money was in my account in eight days. Simple and respectful throughout.

Took a loan against my commercial property to open a second outlet. The valuation came in lower than I had hoped and that was a genuine disappointment at the time.

To be fair to Fortunerise, they had warned me the valuer would look at rental yield rather than the price I paid, so it was not a shock. They then went back and negotiated a better LTV than the first offer, which recovered most of the gap. Straight dealing.

Needed two machines and the supplier quote was in euros, so timing mattered. Fortunerise arranged machinery finance with the drawdown scheduled around the shipment dates rather than one lump sum sitting idle in the account.

Small thing, but it saved me nearly two months of interest on money I did not need yet. That is the kind of detail that tells you someone has done this before.

After thirty-two years in banking I am not easy to impress on financial matters. I came for a term plan review for my son and expected to be pushed into a product with a commission attached.

Instead they walked through what I already held, told me two policies were adequate and did not need replacing, and recommended only the gap. Advice that costs them a sale is advice worth trusting.

A ₹40 crore project needing a mix of term debt and working capital, across two lenders, with security spread over three properties. This is not something you hand to a DSA.

Fortunerise modelled the whole structure, decided what should sit where, and ran the consortium discussions. Drawdown terms were negotiated properly rather than accepted as offered. Senior attention throughout and complete discretion, which mattered given our partners.

Used car, and the dealer’s in-house finance rate was frankly ridiculous. Fortunerise arranged a used-car loan at nearly three percent lower with a shorter tenure so I actually pay it off sooner.

Turned around in four days. As a CA I checked every line of the sanction letter — nothing hidden in it.

A large order came in from a new buyer and the bank timeline would have cost me the order. Fortunerise arranged private funding as a bridge for about four months until the regular facility came through.

The cost was high — they said so plainly before I signed, and I went in with my eyes open. It was still cheaper than losing the buyer. Would use again, but only for the same kind of situation.

Fortunerise Advisory helped us secure a business loan quickly and easily. Their professional approach and support throughout the process was exceptional.

I got my home loan approved at the best interest rate. The team is knowledgeable, responsive and truly cares for their clients.

Their expertise in loan against property helped me meet my urgent business needs. Highly recommended!

I have been through Fortunerise for three different requirements over about four years now — an OD, a vehicle loan and most recently a property loan for a new branch.

The reason I keep going back is boring and important: they pick up the phone. When my second application hit a snag with a title document, I heard about it from them the same day rather than discovering it three weeks later.