I am the founder of Aura Holdings and I have spent 15 years arranging finance for business owners, real estate developers, professionals and channel partners across Mumbai, Navi Mumbai and Thane. Roughly 8 out of 10 files I take on reach sanction. That comes from one habit: I study every case and choose the right lender before a single application goes in. Every application leaves a mark on the credit report, so sending one file to many banks weakens the borrower's profile while still ending in rejection. I understand the requirement, profile and documents first, then match the lender with the strongest appetite for that case. What I arrange: working capital, term loans, construction finance and project finance on the corporate side, and home loans, loans against property and unsecured business loans on the retail side. I stay with every case from the first conversation through disbursement, and for construction finance, through every tranche that follows. Book a session for a clear read on your file: what is possible, what is risky, and what needs fixing before it reaches a lender. If a proposal does not make sense, I will tell you, even if it costs me the business.