Question 1

What does a financial advisor do for a small business?

Accepted Answer

A financial advisor helps you understand your current financial position, plan for growth, manage debt, optimise tax, and make informed decisions about funding and investment. For MSMEs, this often means identifying the right loan products, improving creditworthiness, and building a financial plan that supports expansion.

Question 2

How can KOSHVI help improve my CIBIL score?

Accepted Answer

We start with a detailed credit report analysis to identify negative factors — late payments, high utilisation, errors, or too many enquiries. We then create a step-by-step improvement plan: settling overdue accounts, disputing errors, and structuring new credit responsibly. Most clients see measurable improvement within 3–6 months.

Question 3

What is the difference between financial planning and investment advisory?

Accepted Answer

Financial planning is a comprehensive process covering income, expenses, debt, insurance, tax, and goals. Investment advisory is a subset focused on where to put your money. KOSHVI provides financial planning — we do not sell investment products or earn commissions on mutual funds or stocks.

Question 4

Do you work with startups that have no revenue yet?

Accepted Answer

Yes. We help pre-revenue startups with business plan preparation, financial modelling, and funding strategy. We also assist with government schemes like Startup India, SIDBI loans, and MSME credit guarantee schemes that are accessible even at early stages.

Clarity on Your Finances.
Confidence in Your Growth.

Advisory Services

Business Consulting

Financial Planning

Credit Advisory

Growth Strategy

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Clarity on Your Finances.Confidence in Your Growth.