MSME and business finance providers · Financial services
The owner needs working capital by Friday, and he asks his CA before he opens Google.
It is the last week of March. A packaging unit in Peenya has a big purchase order, the buyer pays after three months, and the paper supplier wants cash before the lorry is loaded. The owner does not search for a lender first. He rings his CA, who knows two names, and he asks the machinery dealer who financed the last die-cutting line.
Scope, fee, reporting and term are agreed in writing after we have read your brief and spoken to you.
In one paragraph
Marketing for an MSME and business finance provider gets a small business owner to apply to you, and not to the lender his CA named first, on the day he needs money for stock, a machine or unpaid invoices. Sales is the paper checklist, the straight answer on eligibility and the call while the file is open. GullySales sets up both inside your credit and advertising rules.
Two lenders get his GST number that evening. One replies on WhatsApp with the papers a loan against his turnover needs and a name to call. The other sends a rate brochure and a callback from a centre in another city. The file goes to the first, and nobody ever learns that the second lender was cheaper.
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How buyers decide
How MSME and business finance providers are chosen.
A small business owner chooses a lender on who told him, how plainly they answer and whether the file moves. The introduction comes from a chartered accountant, a machinery or equipment dealer, a fellow member of the industrial estate association or the bank manager who could not lend against his stock. A search follows, and the first thing he looks for is whether the papers needed are written down.
He is afraid of three things: the file asking for the same paper again, a charge that appears only at sanction, and a rejection with no reason given. A lender that says upfront what it reads in GST returns and bank statements, and what it cannot lend against, earns trust before any rate is discussed.
Many applications also come through loan consultants and DSAs, comparison sites and fintech apps that pass the file on. The owner cannot always tell which lender he is really dealing with. The provider whose name and phone number he can see at every step gets the repeat call at the next renewal.
The problem
What usually goes wrong for MSME and business finance providers.
What owners tell us on the first call, in their words.
“Files start and stop at the papers stage”
The owner says he will send the bank statements and the ITR, and the file sits open. Nobody rings, and he gives the same papers to a lender whose officer did.
“We cannot tell which CA, dealer or DSA sent the file”
The source is a name in somebody's phone, so the partner who brings good files looks the same as the one who brings files that never complete.
“Comparison sites send us leads that four other lenders also hold”
By the time we ring, the owner has had three calls and has stopped picking up numbers he does not know.
“Our ads say approval in minutes and credit then says no”
Copy written to win clicks promises what a credit policy cannot always give. Compliance worries about it, and the owner who is declined posts about it.
“Declined owners are never called again”
A business that was too new in March may qualify by September. The file was closed with a one-word reason and nobody wrote down when to look at it again.
“Every field officer keeps his own notes”
Enquiries live in personal WhatsApp chats and diaries. When the officer leaves, the owner who was halfway through a file leaves with him.
What we do
What we do for MSME and business finance providers.
Everything included for MSME and business finance providers, and the result each part is there to produce.
A page for each product with the papers listed
Working capital, machinery finance, invoice discounting and loan against property, each saying who the product suits, which papers to bring and what your credit team reads first. Written with your credit head and read by compliance.
Result: The owner arrives knowing which loan to ask for and which papers to gather.
An introduction kit for CAs and dealers
A one-page note on what you lend against, how a file is handed over and how the introducer hears what happened, with a short form for sending a client's details with consent.
Result: A CA can send you a client without a phone call to find out whether you fit.
A reply routine for every enquiry channel
Who answers a call, a WhatsApp message, a partner file and a comparison site lead, what they ask first and where the answer is written. Built from how enquiries reach you today.
Result: No enquiry waits on one officer being at his desk.
Listings for every office and partner counter
Google Business Profile for each office, the partner offices that carry your name checked, and the numbers on all of them matching a master sheet.
Result: An owner in an industrial estate finds a door and a number that answers.
A declined-file list with a date to look again
Each declined enquiry recorded with the reason in plain words and the date it could qualify, such as when the business reaches the vintage the product needs.
Result: A no in March becomes a call in September.
Advertising wording compliance has approved
Search ads, landing pages and WhatsApp templates with charges, conditions and eligibility shown the way your compliance officer requires, and no approval promises.
Result: Campaigns go out without a rewrite after launch.
Enquiries counted by source against the baseline
Calls, forms, partner files and WhatsApp messages recorded by source and followed through papers received, sanction and drawdown, against the baseline taken before the work starts.
Result: You can see which channel brings files that complete.
How the result is measured
- Enquiries by source and partner
- Reply time to a new enquiry
- Files with all papers received, by product
- Sanctioned files that were drawn down
- Declined owners called again and reassessed
- Repeat and top-up borrowers
Recorded as a baseline before work starts, so every later report has an honest comparison.
Every service, written for MSME and business finance providers
Each has its own page: what it involves for MSME and business finance providers, what you get, and what it is measured on.
- SEOAnswer the question an owner types at night: which papers, how much, and will they say no.
- Local SEOAn owner in an industrial estate should find your office on the map, with a person behind the number.
- PPCPay for the owner searching for machinery finance this week, not the student searching for a loan.
- Lead generationA business loan enquiry comes through a CA, a DSA, a dealer or an app, so write down who sent it first.
- WhatsApp marketingSend the papers checklist on WhatsApp, and keep the owner's bank statements out of the chat.
- Referral marketingWhen a CA sends you one client, he sends the next only if he hears what happened.
- Follow-up systemsThe owner said he would send the GST returns tomorrow, and the file has sat open since.
- CRMKnow which CA, dealer or DSA sent the file, and where it is stuck, without opening the loan system.
- Reputation managementAn owner who was declined with no reason writes the review that stays on the page.
- Content marketingExplain why the bank said no when the business is making money, and the owner will read your next page too.
Worth a page and a campaign of their own
Working capital loans against GST turnover · Machinery and equipment finance · Invoice and bill discounting for suppliers to large buyers · Loan against property for business owners · Loans backed by a government credit guarantee scheme · Seasonal stock finance before Diwali · Top-up loans for borrowers who repaid well · Dealer and vendor finance through an anchor buyer
Priority campaigns
Campaigns for what MSME and business finance providers most want to sell.
Each one planned around when your buyers decide, and measured against the baseline.
Financial year-end working capital campaign
Search ads, CA introductions and WhatsApp to past enquirers in the weeks before March, with the papers listed and the branch contact named.
Result: Owners short of cash at year-end find you before they find a rival.
Festival stock finance for retailers and wholesalers
A campaign for traders who buy heavily before Diwali, run through market associations and Maps, with plain wording on how repayment follows the sales.
Result: Traders plan the stock loan before the supplier's bill arrives.
Machinery finance at dealers and trade fairs
A desk or standee at equipment dealers and machine tool exhibitions, with a checklist for the supplier's quotation and a named officer to call back.
Result: The buyer leaves the showroom with your contact, not only the dealer's default financier.
Invoice discounting for suppliers to large buyers
A campaign to small vendors on a large company's supplier list, explaining how the invoice is funded and who pays whom, in plain words.
Result: A supplier waiting on a slow payer sees a way to get paid sooner.
Re-assessment call for declined owners
A call to owners declined for something that has since changed, such as a young business or a missing return, asking whether they want the file looked at again.
Result: Owners you turned down once hear from you when the answer may differ.
Beyond search
Where we reach buyers of MSME and business finance providers, beyond Google.
Search matters, but it is rarely the only way this industry's buyers find a supplier.
Chartered accountants and GST practitioners
They see an owner's turnover and cash squeeze first and are asked who to call. A short note on what you lend against, and a promise to tell them what became of each file, earns the next introduction.
Machinery and equipment dealers
A dealer's quotation is the first paper in a machine loan. A dealer who trusts your officer to turn the file round will mention your name at the showroom.
Industrial estate and trade associations
Peenya, Bommasandra, Jigani and every estate in your region have an association where owners swap lender names. A talk on how a lender reads GST returns earns a hearing.
Large buyers with a vendor base
A manufacturer or retailer with a large base of small suppliers may want them financed. The vendor team can tell you who is waiting on payment.
Business loan consultants and DSAs
They send volume and also carry your name to owners. Write down the terms in an agreement, give them the same product pages and papers list, and check how they describe you.
Who it is for
This is written for these MSME and business finance providers.
- NBFCs lending to small businesses
- Fintech lenders working with partner NBFCs
- Invoice discounting and factoring platforms
- Machinery and equipment finance companies
- Loan against property lenders for business owners
- Supply chain finance for dealers and vendors
- Business loan consultants and DSAs
- MSME desks of small finance banks and cooperative banks
Not for
It is not the right fit if.
- You want a guaranteed Google ranking or a guaranteed number of leads. Nobody honest can promise either.
- You need enquiries by next week and have nobody to answer them.
- You want posts and reach reported, not enquiries and orders.
How it works
From your first message to the first report.
No open-ended retainer. Every step gives you something in writing.
First
Your brief
You tell us what you need in a few short steps: your business, what you want, where enquiries come from and how they are handled.
After the brief
A conversation and a written scope
We read it, then talk with whoever handles your enquiries. If you want our help, the scope, the fee and the reporting come in writing, and nothing starts before you have read them.
Before work starts
Baseline recorded
The numbers this work is meant to move, such as enquiries, quotations, orders, visits or renewals, written down so every later report has an honest comparison.
After the baseline
The first fix goes live
The fix we agreed to start with is put in place and measured against the baseline, whether that is a reply, a follow-up, a page, a listing or the handover between marketing and sales.
As agreed
Report against the baseline
What moved, what did not, and what changes next, in plain words. How often you get it is set in writing before work starts.
At renewal
Renew on the numbers
The term ends and you decide whether to continue from the results. The length is agreed in writing before anything starts.
How the work runs for MSME and business finance providers
- 1
Assess
In the first conversation we ask how last year's enquiries arrived, by source and partner, and how many stopped at papers, at credit or after sanction, with how many declined owners were ever called again.
- 2
Set the first screen
A product page, a papers checklist and a short set of questions for each loan, agreed with your credit head so the first conversation matches the credit policy.
- 3
Build the partner routes
The introduction kit for CAs and dealers, the agreement and codes for DSAs, and a note back to every introducer when a file closes.
- 4
Run the seasons
Campaigns timed to financial year-end, the festival stock-up and machinery buying periods, with wording compliance has read before launch.
- 5
Measure to drawdown
Enquiries, papers complete, sanctioned and drawn down, counted by source against the baseline, so you can see which channel brings loans and not only files.
Why us
Why owners pick GullySales over an agency.
Marketing and sales, as one job
Most agencies stop at the enquiry. We also fix what happens after it: the reply, the follow-up, the quote and the CRM.
The person on the first call does the work
No account managers in between. You are never handed to someone you have not met.
A baseline before anything starts
Your numbers are written down on day one, so every later report compares against something honest.
The fee in writing, split three ways
Our time, your media spend and production on separate lines. You always see what goes to us.
No guarantees we cannot keep
The term is agreed in writing and never a default twelve months. We never promise a ranking or a lead count, because nobody controls those.
One office, and we say so
Nagarbhavi, Bengaluru. We work across India by call and WhatsApp and travel when a session needs to be in person.
#257, 3rd floor, Sri Nanjundeshwara Complex, Nagarbhavi 8th Block, Outer Ring Road. How we work.
Engagement options
Ways to work with us.
Pick the size of commitment that fits. Every option starts with your brief and a conversation.
Option 1
The conversation on its own
A call after you send your brief. It says honestly whether you need outside help, and many fixes are ones your own team can make.
Option 2
One fix, scoped
Start with the fix that matters most, such as reply time or follow-up. The fee is in writing before anything starts.
Option 3
An ongoing programme
We run the work, report against the baseline, and you renew on the numbers. The term and the reporting are agreed in writing first.
Option 4
Guidance for your own team or agency
We plan, brief and check the work of your in-house team or current agency, instead of replacing them.
Your brief
Tell us what you need, and we will read it before we call.
Eight short steps about your business, what you want and who decides. Most questions are a tap, and you can skip any you would rather answer on the call.
FAQ
Questions MSME and business finance providers ask before they call.
Not here? More answers, or ask on WhatsApp.
Can we advertise an interest rate or a loan amount?
Will your team speak to our applicants about their loans?
We work mostly through DSAs and consultants. Is this still relevant?
Do you work with fintech lenders as well as NBFCs?
Do you work outside Bengaluru?
How much does it cost?
How long is the contract?
How soon will we see results?
Who will actually do the work?
What do you need from us?
Notes for owners
Read more about MSME and business finance providers.
- How MSME lenders stop loan files dying at the papers stageA small business owner stops answering when the paper list keeps growing. How a lender can write the checklist down once, keep one person on the file and call back the owner who went quiet.
- How buyers decide which lender or adviser to trustPeople choosing a bank, lender, insurance agent, adviser or payment company start from a name someone gave them, then check you before they call. This post sets out what they look for and where firms lose them.
Part of Financial services. See the other industries in the sector.
Your next practical step
Tell us what you are trying to grow, and we will read it before we call.
Eight short steps, mostly taps. Skip anything you would rather answer on the call.