Why Banks Reject Loan Applications? Why your bank loan application is being repeatedly rejected? What to do if bank rejected loan application? Business Loan rejection reasons ,Why banks reject loans .

Do you know,
Why Banks Reject Loans &
What could be your
Business Loan Rejection Reasons?

Do you know, Why your Bank Loan Application is being repeatedly rejected, despite your best efforts?

You may be wondering “What’s life like, after your bank loan application is being repeatedly rejected by your bank, in multiple banks, despite your best efforts?

Having your loan application rejected by a bank can be very discouraging. What to do if bank rejected loan application? Do not get upset. This is not the end all of the world. Lot of times, business proposals gets turned down by banks & financial institutions. Business loan rejection reasons can be too many & has become very common and almost all businesses that have applied for various types of loans at various stages have passed through such situations. It doesn’t mean that you should give up your hunt for business finance.


But to move forward, you must understand the following:

Why Banks Reject Loans

  • Why banks/ financial institutions reject loans to businesses?

Why Banks Reject Loan Applications?

  • What are the various criteria’s that the lending institutions look at?

Why Your Bank Loan Application is Being Repeatedly Rejected?

  • What are the various possible parameters that lending institutions consider?

Business Loan Rejection Reasons

  • What could be other reasons, why loans do not get approved?

What to do if Bank Rejected Loan Application?

Understand 125 Solid Business Loan Rejection Reasons,
Why Banks Reject Loans, What to do if Bank rejected loan application & Learn how to avoid those Mistakes & Pitfalls.

Worldwide, Financial Experts, Consultants, Chartered accountants cite only about 8-12 reasons, why financial institutions and why banks reject loans?

This information is simply not available anywhere. Nobody seem to have any idea & worst, nobody would discuss in detail & tell you, Why banks reject loans or Why your bank loan application is being repeatedly rejected multiple times in multiple banks or what could be business loan rejection reasons or what to do if bank rejected loan application or what could be reasons why banks reject loan application even for your Personal loan, Mortgage loan, Home Loan & even Education loans?

You should seriously contemplate, what are the various criteria’s that the banks & financial institutions look at? What are the various possible parameters that the lending institutions consider and what could be other reasons, why banks reject loans?

We at NBS Business Consulting have done extensive research and have compiled nearly 125 SOLID REASONS, why financial institutions & why banks reject loan applications. We discovered that these are the “Solid Mistakes” that business owners and Entrepreneurs make or simply follow “Wrong Practices & Procedures” in their businesses.

The Good news is – All these Solid Mistakes and Wrong Practices can be totally rectified and are completely avoidable. The worst part is – No Bank or financial institution in this world would disclose & discuss the exact business loan rejection reasons, why your loan proposal has been rejected? It is kept secret, confidential & not shared with the loan applicant. Most likely, even the bank manager will not have any idea about the reasons. (If you don’t believe us, try discussing with any bank manager, where your loan has been rejected).

Business Owners should understand the reasons, why Banks reject loans before applying. They should realize the “Serious Mistakes” that they are doing. They should rectify the wrong practices or procedures that they are following in their business and learn how to avoid those mistakes & pitfalls and circumvent them legally. Even if the entrepreneurs have “Bad Credit History, Bad Credit ratings and Bad Credit Score” there are many legal ways to circumvent the above issues.

Video Tutorials

Since the Covid pandemic has disrupted the normal classroom learning across the globe, the virtual world has come to the rescue. Now that everybody have access and are glued to their computers & smart phone screens and keeping in tune with the current trend, even we at NBS Business Consulting are now focusing on virtual platforms & Video tutorials. However our regular 2 days Business Seminars shall be resumed as soon as the situation comes to normal.

At NBS Business consulting, our vision is to help business owners & entrepreneurs in every way possible to raise funds for business. We have now introduced recorded online video tutorials & discuss Why banks reject loans, Why your bank loan application is being repeatedly rejected, what could be Business Loan rejection reasons, what to do if bank rejected loan application & finally Why Banks Reject Loan Applications.

Understand "125 Solid Reasons", Why Banks Reject Loans, why your bank loan application is being repeatedly rejected & other MSME loan rejection reasons.
Understand 125 Reasons, Why Financial Institutions & Why Banks Reject Loans & Business Loan Proposal
Why banks reject loans – If you do not understand these business loan rejection reasons, you will never be able to raise any kind of Loans, for any purpose, from any Bank in the future, anywhere in the country.
  • Duration : 7 min 8 Sec
Check Cibil score , Why your bank loan application is being repeatedly rejected mcq ,How to improve Cibil score immediately, Financial blunders , Business financing mistakes .
35 Reasons, Why Banks reject Loans due to issues related to Credit Scores, Credit History, Credit Ratings & Low CIBIL Score.
There are 35 major reasons, why banks reject loans because of your Low Credit Scores, Credit history, Credit ratings & poor CIBIL Scores. Learn how to improve CIBIL Score immediately.
  • Duration : 22 min 3 sec
Common mistakes , Costly mistakes , Ensure , Financial blunders, Business financing , Mistakes , Avoid ,Biggest loan mistakes ,Biggest mistakes .
84 Business Mistakes Wrong Practices & Careless Negligence’s, Why Banks reject Loans?
84 Common business mistakes, Wrong practices & Careless negligence’s that business owners do in their business, which impacts their Credit Scores & Credit history negatively and ensure their Loan application & proposal gets rejected & declined by Banks & FIs.
  • Duration : 50 min 20 sec
Business owners | Banks | Loan consultants | Private finance
"Must Take 38 Precautions”, for all Business owners, while trying to raise small business loans & business capital
Business owners & Entrepreneurs “Must Take 38 Precautions” while trying to Raise small Business Loans & business capital or else they would not only get ripped off but also fail in their attempt to raise funds for business, as this would affect their Credit score & Credit rating very badly.
  • Duration : 52 min 5 sec
Government schemes for women entrepreneurs , Why banks reject loans ,Female entrepreneurs , Loan consultants , Get cheated .
Do the Banks, Financial Institutions & Govt really encourage Women Entrepreneurs?
Amidst all big talks, the big question is - Do the Banks and Financial Institutions really encourage Women Entrepreneurs in their attempt to raise business capital & small business loans? The Banks & Govts all over the world talk about encouraging Women entrepreneurs. But what is the hard reality on the ground? Find Out the Truth!
  • Duration : 24 min 35 sec
How to raise funds , Bank loans , Bank secrets , The Real truth about banks , Why do banks exist , How to Raise Bank loans? Whybanksrejectloans.com .
"Must Know 30 Secrets about Banks” before trying to raise any funds for business, business capital & small business loans
If you not aware of these “Must Know 30 Secrets about Banks”, then you are simply wasting your Time, Money & Effort in running behind the banks. If business owners understand these secrets, then it becomes easy to raise business capital, raise small business loans & raise funds for business from the Banks.
  • Duration : 19 min 37 sec
What is credit score Credit score CIBIL score How to improve cibil score immediately Cibil How is credit score calculated
Know what is Credit Score, CIBIL Score & Learn 45 Ways to Improve your
Without understanding, what is Credit score, CIBIL score etc it is simply not possible to raise any kind of Loan from any Bank/ FI anywhere in India. First rectify the mistakes & improve your Credit score & CIBIL Score, before trying for any kind of loan for any purpose, from any Bank/FI, anywhere in the country.
  • Duration : 1 hr 09 minutes 24 sec
Understand what is Debt trap, Causes of Debt traps, how to avoid getting into Debt trap, how to get out of a Debt trap & how to recover from debt trap.
17 Reasons, why People fall into Debt Traps & How to overcome Debt Traps
Debt trap is a situation in which a borrower is led into a cycle of borrowing & re-borrowing and it becomes almost impossible to get out of the vicious circle. Never fall into “Debt Traps” which the entrepreneurs normally get into. Discussing in detail, various strategies & suggestions how to avoid falling into them?
  • Duration : 24 min 30 sec
“Must Know” aspects of CIBIL score, Credit report, Credit ratings, credit history, Good credit score, Improve CIBIL, Equifax, Experian, High Marks Scores .
“Must Know” aspects about Credit Score, Credit history, CIBIL Score & other CICs
Business owners should & must know certain important aspects about Credit Score, Credit History, CIBIL Scores & about other CICs, failing which series of mistakes gets committed without their knowledge & the Loan application given to various Banks & FIs gets rejected everywhere. Very important to learn & rectify these mistakes if one is keen on raising any kind of Loans.
  • Duration : 15 min 30 sec
Reverse mortgage , Bank loans , How elderly can raise funds in India , How seniors can raise funds in India - whybanksrejectloans.com .
Reverse Mortgage – How Senior & Elderly people can still Raise Loans from the Banks
Senior Citizens, Elderly People & Retired people think that there is no way that they can raise any kind of Loans from the Banks/ FIs. But the Senior Citizens/ Elderly People can still raise Loans from Banks, which will be of great help to them and most people are simply not aware of.
  • Duration : 05 min 30 sec
Are the CICs, Credit Bureaus & CIBIL Score killing Business Owners and Entrepreneurship?
Entrepreneurs are facing difficulty & unable to get easy funding from any Bank/ Financial Institutions because of CICs Credit Scores & Credit history and this has become a big stumbling block for business entrepreneur’s very survival and growth.
  • Duration : 60 minutes
Data Theft Data Privacy Data Security Right to Privacy Credit Bureaus
Aren’t these Credit Bureaus Committing “Data Theft” by infringing on our “Data Privacy” which is our Fundamental Right?
The whole world is talking about Data theft, Data Privacy & Data Security but these Credit bureaus are blatantly spying, recording, monitoring all our data & also selling all our private data. Is this not data theft & invasion of our privacy?
  • Duration : 60 minutes
Mr. Surya Prakash

Founder President & CEO

These 125 reasons that are being explained is the original research of Mr. Surya Prakash, Founder President & CEO of NBS Business Consulting.
Why am I getting declined for loans ? Why has my loan application been declined? What to do when lender rejects loan application? Unknown why banks decline loans ? why financial institution reject loan applications?

Unfortunately, there are too many questions & very little answer

The worst part is, the banks & the lending institutions do not give the exact reason, why the loan has been rejected?

In fact, the lending institutions keep the exact reasons very secret. They simply do not share or discuss or disclose the exact reason. The lending institutions, in fact protect themselves by not disclosing the exact reason, why the loan has been rejected?

Some of the reasons, why banks & FI’s never disclose could be due to the following reasons:

• The business owner may dispute the declined reason & may even proceed against them legally.

• The business owner may come back to the bank and demand for the loan after resolving the issue by providing evidence to the same

• The business owner can even dispute the reason and can even contest in the court of law, that the declined reason was erroneous.

• It could be due to various other reasons that banks cannot explain or may not want to explain.

To avoid such embarrassing situations, banks & financial institutions simply do not give any reasons or give very vague reasons or even multiple reasons for turning down a loan application. This is just to safeguard themselves & be in a stronger position, when they are confronted. If an applicant resolves or dispute one declined reason, the lenders can simply cite other reasons for declining the loan. In case of any pressure from the customer, the banks may even reconsider the entire case & decide whether they want to approve the loan or not.

The borrowers must note one aspect here. The lending institutions be it any bank/ FIs are not obligated to give you the exact reasons, why their business loan has been rejected. For various reasons, the lending institutions will decline and will continue to do so. It could be due to so many reasons that banks may not want to entertain or simply cannot explain. The sad & the worst part is – All the reasons, why banks & FI’s reject the business loan proposals are completely AVOIDABLE. These are simply MISTAKES committed by the applicant, business entrepreneurs & the entrepreneurial firms.

We also conduct two days business seminar & offer the following

Discuss 125 Solid reasons, why Financial Institutions & why Banks Reject Loans & Business loan proposals?

Why your bank loan application is being repeatedly rejected, despite your best efforts? Discuss 125 business loan rejection reasons & explain the “Solid Mistakes” committed by the entrepreneurs & the “Wrong Practices & Procedures” followed, resulting in business loan rejection.

Discuss what to do if bank rejected loan application & business loan rejection reasons and offer suggestions how to rectify the solid mistakes & wrong practices & procedures that are being followed in their business and how to avoid those mistakes, pitfalls & issues and circumvent them, all legally.

Offer Innovative ideas & suggestions so that your next Loan application & business proposal is fool proof & should go through smoothly & successfully

No Banks or Financial institutions would like to lose a good potential borrower. In fact, Banks & Financial institutions all over the world are desperately looking for good borrowers. There is great competition among various banks & financial institutions to acquire good borrowers & good customers. But the irony is……

• 75-80% of all Loan applications, submitted to Banks are rejected?

• 97% of all Proposals submitted to Investment Bankers are rejected?

• Only 2-3 Proposals out of every 200 are picked up by Venture capitalists?

So, we should understand why Financial institutions & why banks reject Loans?  We should know & be aware of what does it take to convince a potential lender to lend their money & win over them?

Blaming the Banks & Financial institutions for not lending money is not always a correct thing to do. There is a lot of self introspection one needs to do, on one’s own self, on one’s own business & on the practices & procedures being followed in their businesses.

Always remember one important fact – All the lenders in the world, however mighty or small they are, be it any Bank or Financial institutions or any other type of lending institution – They are all there to Lend & Lending is all they do. They can survive only if they lend. They hate to reject a good borrower and keep their money idling in their safe lockers. If they don’t lend, they will have to close their doors.

But that does not mean that Banks & Financial institutions would lend to every Tom, Dick & Harry who applies for a Loan be it a personal loan, home loan, Mortgage loan etc. It would be sheer waste of your precious “Time, Money & Effort” if you do not understand – Why banks reject loans, Why your bank loan application is being repeatedly rejected, what could be Business Loan rejection reasons, what to do if bank rejected loan application & finally Why Banks Reject Loan Applications.

Many business owners don’t realize that not all banks & financial institutions are alike.

Different banks have different philosophies and strategies about lending. Whenever people discuss with us, on the subject of raising funds & loans for their business, they all share their harrowing experiences that they had with various banks & financial institutions and discuss in great length & complain about the non co-operation of banks & financial institutions regarding this matter. They keep telling us that banks & financial institutions never co-operated with them regarding this matter & in fact they all harassed them. Let me clarify some basic stuff here. Every one of us must understand, one very basic fact, very clearly. Any lending institution, anywhere in the world, whether it is a Bank, Financial institutions & any other kind of Lender are in the business of lending money and earning interest out of that. Their business is mainly lending & lending is all they do.

Please understand, that they have to lend to others for their very basic survival. If they do not lend & earn interest out of that, they have to close their doors. They want people to come forward & borrow money from them. So they actually look out for various ways and come out with various schemes & plans and make it attractive for people to borrow money from them.

Just because they are in the business of lending, it does not mean that they will start lending to every Tom, Dick & Harry who approach them. They are extremely cautious & carefull about their money, since it is their hard earned money & they are quite responsible for that. Remember that even banks & other financial institutions also borrow money from various sources in the form of deposits on which they pay interest regularly. They take money from the general public in the form of deposits for which they are quite answerable and responsible.

In order to safeguard their money, the lending institutions are very selective & choosy before lending the money to anybody. No Bank or Financial institutions would like to get into Problems & Risk their Money.

Remember Banks & Financial institutions are also commercial organizations, just like yours. They are also highly profit oriented. Unless & until they lend more they cannot grow. Without growth, they cannot earn more profits. And without profits, they cannot sustain themselves for long time. They are all in the business to grow & earn more profits.

So you are on the lookout for Funds for Your Business? Isn’t it?

As a Business Entrepreneur, how many ways do you know to Raise Funds for your Business? Are you depending only on Banks for all your Financial needs? Have you ever wondered, what are the other options left for Business Entrepreneurs after their Banks have rejected their Proposal for a Business Loan?

Banks have found out more ways to disapprove your Loan than to approve it. Banks just do not entertain, if you do not have solid income proof. After the Bank, you only think about mortgaging your house or pledging family Jewellery. Scary, Isn’t it?

Fortunately! You have come to the right place now! We are in the business of advising, guiding and offering very innovative Ideas, Life changing suggestions and Game changing strategies on “How to Raise Funds for Your Business” which can be implemented – “Right Today & Now!”

Learn – How to Raise Funds for your Business More than 250 Different Practical Ways Which can be implemented, right Today & Now?