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Advisory, not lending
Lumen provides financial consulting, loan advisory and lending facilitation. Lumen does not itself provide or disburse loans. The objective is to understand the customer requirement, evaluate suitable financing possibilities and support the customer through the lender process.
Lumen does not sanction loans or commit terms on any lender's behalf. Every sanction, rate and disbursement is the lender's decision.
Services
Requirements Lumen regularly works with — each case is evaluated individually with the applicable lender.
Business & SME/MSME Loans
Retail Loans
Mortgage & Loan Against Property
Working Capital Finance
Business Expansion Funding
Secured & Unsecured Lending
Corporate & Professional Finance
Loan Balance Transfer & Top-Up
Customized Lending Solutions
Project Funding for Developments
Process
01
Discuss the funding purpose, applicant profile and broad requirement.
02
Assess the case from a lending perspective and identify possible financing routes based on eligibility and available lender relationships.
03
Support documentation and lender coordination for the selected route.
04
Final approval, terms, pricing and disbursement remain subject to the lender's policies and assessment.
Professional Profile
Senior Vice President — Lumen Solutions
A seasoned banking professional with more than three decades of extensive experience in the banking and financial services industry, including over 22 years of experience with leading MNC banks.
During his banking career, he has held senior sales and business development responsibilities with extensive expertise in Retail Assets, Business Loans, SME/MSME Finance and lending solutions. He has served as Sales Head for MNC Bank — Delhi Locations, managing and driving the Retail Assets / Lending business. Prior to this, at Barclays Bank, he worked as Sales Manager — Business Loans, gaining strong expertise in business lending and customer-focused financial solutions. Through Lumen Solutions, he provides professional financial consulting and lending solutions to individuals, professionals, businesses and corporates.
Network
Lumen works with a broad set of banking and NBFC relationships, enabling customers to explore multiple financing options and suitable loan structures based on individual requirements and eligibility.
Requirement types we coordinate across this network: Business & SME/MSME Loans, Retail Loans, Mortgage & Loan Against Property, Working Capital Finance, Business Expansion Funding, Secured & Unsecured Lending and more. Specific lender availability is discussed case by case.
Enquiry
Share the basics — no PAN, Aadhaar or bank statements on this form. Lumen will take the discussion forward from here.
FAQs
No. Lumen provides financial consulting, advisory and lending facilitation. The loan itself is provided by the applicable bank / NBFC or other eligible lender.
Important Disclosure: Lumen provides financial consulting, advisory and lending facilitation services and is not itself a bank or NBFC. Loan approval, loan amount, interest rate, tenure, fees, documentation, sanction and disbursement are determined by the applicable lender and remain subject to eligibility, credit assessment, policy and final approval. Lumen does not guarantee sanction or disbursement.