Commercial CIBIL rank 7 → 3 — and the funding that followed.

A Kenstone Credit house case study. The engagement is managed today by Anita, Service Desk Manager, under our Annual Maintenance Contract.

Background

When Freecia Professional India Private Limited, based in Gurugram, Haryana, approached Kenstone Credit, the company was facing multiple credit reporting challenges that were affecting its commercial CIBIL rank and limiting its access to business finance.

A detailed review of the commercial credit report revealed issues with Hero Fincorp, ICICI Bank, and Tata Capital — accounts that required resolution before the company's credit profile could improve. As with every business case, the honest read came first: these were genuine outstandings, which meant the path was resolution and accurate reporting, not disputes.

What we did

Our team took ownership of the entire process. We coordinated directly with the respective lenders to obtain foreclosure amounts for the outstanding accounts, then guided the client through each payment — ensuring every payment was completed correctly and without delay.

Payments alone don't fix a report. Following them, we worked closely with the financial institutions to ensure the updated account status was accurately reflected in the CIBIL Commercial Report, and implemented a structured credit improvement strategy to strengthen the company's overall profile.

The result

Business impact — and what came after

With an improved commercial rank of 3, Freecia Professional secured multiple new business loans, unlocking funding for its growth plans. And then came the part we're proudest of: impressed by the results and the proactive support, the client chose to continue with Kenstone Credit under our Annual Maintenance Contract (AMC) — ongoing monitoring of their commercial credit profile, regular reviews, and issues addressed before they can affect the business. That relationship is what you hear in the video below: not a client describing a one-time fix, but a company describing its credit partner.

You can also read the client's own words in their public Google review →

Published with the client's written consent.

0:47

They monitor our CIBIL scores regularly — and if they notice any impact, they guide us.

Freecia Professional

Accounts department · AMC client