Raj Tulshan: Powered by You

The economic collapse of 2008 negatively impacted individuals and business owners alike across the country. But while many were drowning in their sorrows, Raj Tulshan saw a silver lining, or rather, a major opportunity. Tulshan recognized the financial landscape had changed and needed efficient and innovative industry leaders to navigate the uncertainty of what was to come. As a result, today he’s the face and name behind Loan Mantra.


A fintech expert, Tulshan graduated from Ithaca College and the University of Oxford, where he received his bachelor’s and master’s degrees, respectively. Before founding Loan Mantra, he spent almost a decade immersed in the world of investing. He gained experience in currencies, commodities, and investments in global, asset-backed securities, structured products, and principal investments at Merrill Lynch—where he also built a reputation for his proficiency, swift intelligence, and approachable style. Then, while at Merrill Lynch, he had a front-row seat to viewing the economy plummet in 2008. 

Founding Loan Mantra

After surveying the post-crash market and gaining a clear understanding of what small businesses and large financial institutions were facing, he knew what was needed—a one-stop shop to connect diverse and underserved small business owners with lenders. 

Tulshan founded Loan Mantra in 2013 as a next-generation platform designed to assist businesses in attaining traditional, SBA, or MCA funding. It provides a secure, collaborative, and transparent lending environment that streamlines the lending process and saves money and resources by eliminating unnecessary paperwork.

A Resource for Small Business Owners

Loan Mantra has been a valuable resource for business owners for eight years. Tulshan and his team of experts created BLUE (“Business Loan Underwriting Environment”), which uses advanced technology to customize and simplify paper-intensive loan applications. In addition, the Loan Mantra team personally guides small business owners through the entire process, helping them find the best lending options, prepare application documents, and submit applications. 

Since starting Loan Mantra, Tulshan continues to fulfill his vision of taking the headache out of the loan process by using the BLUE platform to equip borrowers with the tools needed to pursue their business goals. Tulshan’s passion and expertise have helped many clients bring their business ownership ambitions to fruition. One client achieved his dream of going from a gas station attendant to a gas station owner. Leveraging the client’s skills and dedication to serving customers, Tulshan worked with him to create a plan to successfully secure financing. 

Tulshan seeks to provide value and support beyond the initial loan application—and BLUE enables him to do that. Even after clients are initially matched with lenders, the platform securely stores their financial documents for six years, so they don’t have to start from scratch in the future.

Forging Relationships and Supporting Business Goals

For Tulshan, Loan Mantra is more than just advanced financial technology. He believes a business is only as strong as the people who support it. Tulshan takes pride in assembling a quality team that can not only execute a loan package but also use their financial expertise to advise owners and bring them a sense of ease as they grow their own businesses.

If you’re ready to take your business to the next level, the Loan Mantra team is prepared to support you every step of the way. Contact us today to identify your loan needs, evaluate your options, and start your application process.