Our Vision
To build Value Finance Consulting into an institution of real scale — one that creates meaningful employment, shapes how MSMEs and individuals across India access capital, and gives back to the communities it serves.
Why Value Finance
Not Another Loan Agent. A Financial Crisis Specialist.
What loan agents do vs. what we do—and why that difference saves clients ₹10-50L per engagement.
“A senior banker once put it simply: the MSME sector is a baby thrown into the water — given the freedom to grow, but never the institutional support to navigate it. Auditors handle accounts, not banking strategy. Bankers serve the bank's targets, not the client's interests. Nobody stays long enough, and nobody is formally trained to hold the full picture.”
Our Mission
To give MSMEs what most of them are missing — real financial guidance, backed by both technology and people who understand banking from the inside — and to keep expanding what that guidance covers as our clients' needs grow.
Core Values
Value Creation
Every deal structured as a win-win, priced for value — not for what it earns us.
Empathy
Every file worked as if the need were our own.
Learning & Technology
Staying current on both banking knowledge and tools, so clients get the benefit of it.
Integrity
The truth about eligibility, timing, and options — even when it costs us the deal.
Perseverance
The pattern behind every case nobody else would take on.
Respect for the Individual
No client turned away for not fitting a conventional profile.
Long-Term Partnership
Not a one-time transaction culture — we stay for the journey.
Confidentiality
Client information and methods stay protected, always.
The team
Sujay Suresh Shet
Co-Founder & CEO
Investment banker, lawyer, and virtual CFO with 17+ years in institutional banking. Spent nearly a decade at SIDBI — Small Industries Development Bank of India — underwriting credit proposals from ₹3Cr to ₹70Cr, before founding Value Finance Consulting in 2019.
MBA in Finance (Christ University, Bangalore), LLB, and CAIIB-certified through the Indian Institute of Banking and Finance. That institutional banking background — knowing how banks actually assess risk from the inside — is the foundation every case at VFC is built on.
Soumya K Shet
Partner
Partner at Value Finance Consulting since its founding in 2019. Runs client cases end-to-end — structuring project loans and cash credit facilities, and taking a file from first conversation through to sanction and disbursement.
A gold medalist in M.Tech from Jawaharlal Nehru National College of Engineering, Shivamogga, with a B.E. in Computer Science and professional certifications in accounting and financial tools.
Supritha Prashanth Shet
Senior Consultant
With Value Finance Consulting since 2022. Runs client cases end-to-end — structuring project loans and cash credit facilities, and taking a file from first conversation through to sanction and disbursement.
A postgraduate in Human Resources from the Tata Institute of Social Sciences, with a background in microbiology.
What sets us apart
17+ Years Institutional Banking Experience
Our founder spent 10 years at SIDBI managing ₹3Cr-₹70Cr facilities. We know how banks think, their risk frameworks, approval processes. This isn't theory—it's insider knowledge.
50+ CIBIL Disputes Resolved (85% Success Rate)
Most consultants say "your CIBIL is bad, can't help." We audit for errors, cross-verify records, file disputes with evidence. Recent case: CMR 7 → 5, saved client ₹8L/year.
80+ Bank Relationships (Not 2-3)
Loan agents typically work with 2-3 banks. Our network spans 80+ relationships across public, private, and cooperative lenders — so we go to whoever actually fits your file, not whoever's convenient.
Debt Consolidation Specialists
We've rescued businesses from 38 EMIs, 35% interest loans, debt traps. Recent case: ₹14L/month → ₹5.2L/month, negotiated ₹15L in penal charges. This is crisis management work.
₹50Cr+ Government Subsidies Facilitated
Most consultants don't touch subsidies (too complex). We've secured ₹50Cr+ total. Recent case: ₹7Cr initial offer → ₹10Cr approved + power subsidy ₹2L/month.
Committed Beyond Disbursement
Most loan agents consider their job done once the loan is disbursed. We consider it the start of a longer commitment — because we're the ones who brought you to that lender. Whatever comes next — routine bank support, foreclosure, an insurance claim, or anything in between — we stay engaged until the loan is fully closed.
Client reviews
“We consulted Value Finance Consulting for my company's loan. The process was very smooth and the turn around was pretty quick. Sujay was very co-operative, responsive and helpful through the entire process. He took care of all documentations and paper work, he co-ordinated well with the bank. He gave us an end to end solution, even doing the registration of the loan and creating all the charges.”
“If you are looking for Professionalism and tangible solution the best person is Mr. Sujay, thanks for your support in helping to get our machinery loan under MSME scheme with no hassle and more importantly with right bank and minimal loan interest. Professional approach, responsive and quality service.”
“I recently had the pleasure of working with Mr. Sujay and Ms. Soumya of Value Finance Consulting to secure a housing construction loan, and I couldn't be happier with the experience. Both of them were incredibly helpful and took the time to explain all my options in detail. Made sure everything was in order, and I was able to move forward with my construction project without any delays.”
“If you are looking for Loan/Working Capital/Housing Loan or any product related to Bank, 'Value Finance' is the right place. Mr. Sujay is the most knowledgeable, hardworking person. Five star is really too less for his professionalism & patience. Best financial consultant we have ever experienced.”