Process
How LoanCut works
Transparent, expert-led, and built around your situation.
Step 1
Free Assessment
We start with a no-strings 30-minute call. You share your debt picture. We listen and diagnose.
Step 2
Debt Analysis
Our team finds the best settlement levers with advanced tools, reviewing lender vintage, debt buckets, and your cash flow.
Step 3
Anti-Harassment Protection
We stop illegal recovery calls, threats, and contact-list harassment while your case progresses.
Step 4
Negotiation with Lenders
Certified experts and lawyers negotiate directly with each lender, aiming for 40–60% reductions.
Step 5
Debt Resolution
You approve every settlement. We get you formal closure letters and clean documentation.
Step 6
Financial Recovery Planning
A structured 12–18 month plan to rebuild your CIBIL and prevent recurrence.
Transparency
Your journey, week by week
A realistic timeline of what happens and when.
Day 1
Free Consultation
30-min discovery call with a debt advisor.
Day 3
Document Verification
Securely upload loan statements & ID.
Day 7
Debt Assessment Report
Full strategy with savings projection.
Day 15
Lender Briefing & Recovery Agent Handling
Your financial conditions are shared with lenders, and we take over recovery agent communication to stop harassment.
Day 30
NPA Settlement Discussion
NPA settlement options are discussed as per the client's requirements and projected savings.
Day 45
Negotiation Begins
We start lender-side negotiations.
Day 60
Settlement Progress
First offers come in. You decide.
Day 90+
Resolution Plan
Documented closures + recovery roadmap.