SMEs Are Drowning in Credit Confusion — Monei Matters Brings Structure to India's Debt Maze

With lending regulations tightening and financial products growing more complex, Ghaziabad-based Monei Matters is helping Indian SMEs make sense of the chaos. End Quote

(1888PressRelease) June 27, 2025 - India's 63 million small and medium enterprises (SMEs) form the backbone of its economy—but for many of them, accessing credit feels like navigating a maze blindfolded. Between multiple bank requirements, changing RBI norms, and a crowded field of NBFCs, raising capital has become an overwhelming, confusing, and often futile experience for even the most promising businesses.

Monei Matters, a Ghaziabad-based financial consultancy, has quietly been solving this problem for over three decades—by structuring, syndicating, and securing strategic credit for Indian businesses across sectors.

“What SMEs lack isn’t ideas or capability—it’s clarity and structure in their approach to finance,” says Pradeep Kumar Guptaa, founder of Monei Matters.
“We don’t just arrange loans. We decode the financial puzzle.”

🧩 Bridging the Disconnect Between Lenders and Borrowers
Monei Matters specializes in corporate debt syndication, tailoring institutional funding for working capital, project finance, real estate, healthcare, manufacturing, FDI-linked funding, and more. Their process goes beyond paperwork—it involves preparing professional-grade financial documentation, mapping lender appetite to borrower needs, and guiding the client through approval, compliance, and disbursal.

Whether the need is ₹2 crore or ₹200 crore, the firm helps create structures that are both viable for banks and sustainable for businesses.

📉 The Hidden Cost of Credit Confusion
Most SMEs that get rejected by banks don’t fail because of bad business ideas—but due to unstructured loan applications, mismatched lender targeting, or lack of proper documentation.

“In our experience, nearly 70% of SME rejections could be prevented with better financial presentation and alignment,” Guptaa notes.
“We’ve seen solid businesses shut down—not because they didn’t deserve funding, but because they didn’t understand the rules of the game.”

Monei Matters has turned this into its core mission: to demystify finance, streamline funding access, and help businesses focus on what they do best—grow.

🔍 A Quiet Engine Behind Business Growth
From arranging IPO-linked bridge loans to resolving NPAs, and from FDI funding to NBFC debt structuring, Monei Matters operates behind the scenes of many success stories. Their low-profile, high-integrity model has helped build trust among banks and borrowers alike.

Now, as India gears up for its next growth cycle, the firm is calling attention to the urgent need for structured debt advisory—especially for SMEs navigating post-pandemic market realities.

About Monei Matters
Monei Matters is a Ghaziabad-based financial consultancy specializing in corporate debt syndication for Indian businesses. With decades of experience, the firm facilitates credit solutions including working capital, project finance, FDI structuring, NPA finance, and more—helping bridge the gap between business needs and institutional finance.

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