SUD’ BA Finance Solutions, Bhutan in Mortgage Modifications (Only For Our Valued US Clients)

At SUD’ BA Finance Solutions, Bhutan our mission is to delight our customers through caring business financial service and innovative home-ownership solutions. 

We are tied up with multiple law firms in the servicing industry in foreclosure prevention and loss mitigation which helps families stay in their homes and improves financial outcomes for loan investors.  Our leadership in the industry is evidenced by our high cure rate for delinquent loans and above average rate of continuing performance by homeowners whose loans we service.  SUD’ BA Finance Solutions, Bhutan has provided more loan modifications under the Federal Government’s Home Affordable Modification Program (HAMP) than any other mortgage servicer. These outreach efforts help our customers save money, build equity and, most importantly, stay in their homes.  At every turn, we strive to delight homeowners through caring service and innovative home-ownership solutions.

We also help make possible the popular 30-year or 40-year, fixed-rate mortgage, which provides homeowners with stable, predictable mortgage payments over the life of the loan. Our tools and resources help home-buyers, homeowners, and renters understand their housing options.

We offer loan investors (our servicing clients) a variety of tailor-made servicing, sub-servicing, special servicing and stand-by servicing solutions for both residential and commercial loans and REO.  Our servicing clients include private label residential mortgage-backed securities (RMBS) trusts and some of the largest financial institutions in the U.S., including multiple Lenders,  Law Firms and Individual Underwriters & Attorneys. Our servicing portfolio consists of purchased mortgage servicing assets, sub-servicing and servicing of loans we originate.

Our financial service makes sustainable home-ownership and workforce rental housing a reality for millions of Americans.

We listen to our customers and partners to understand their needs, putting them at the center of everything we do. We apply our experience and expertise to deliver innovative, smart solutions to help our customers succeed.

At SUD’ BA Finance Solutions, Bhutan our people pour their hearts into everything they do. Because we know it makes a real difference in others’ lives.

SUD’ BA Finance Solutions, Bhutan in processing of loans (For Our Valued National & International Clients)

SUD’ BA Finance Solutions, Bhutan is a global financial solutions company. We provide a broad range of solutions that meet specific business needs across the financial markets.
SFS Bhutan is not a lending source but more than broker or mediator because my clients are given more priority by my funding partners because we have our own funding application form and underwriting team and processing team and we prepare all the documentation like collecting all the documents from our valued clients and underwriting and processing further for the approval of the funding in one of our funding program, technically we represent our clients in front of our funding partners but at the same time, we represent our funding partners in front of our valued clients because we do all the documentations. 90% of works are done by us for both ends.
With us, there is high chance of getting approval in funding. For our American & Canadian clients in funding, our funding partners are located in multiple states of USA like California, Michigan, Nevada, Florida, Texas, New Jersey and so on.

We draw on our presence across the markets, the depth of our global expertise and the breadth of our product development resources to serve the specific and localized needs of financial institutions.

We work closely with our clients to ensure they have the solutions they need to support their business now and secure it for the future. Whether it is workflow, architecture or hosted solutions, we have a flexible, responsive and collaborative approach that takes the pain out of financial services software. No fuss, no drama: just a commitment to adding maximum business value through us.


OUR MISSION is to provide quality guidance, build relationships of trust, and develop innovative solutions for our clients. ” SFS Bhutan not only provide financial services but we secure your financial health for future.”


We are one of a leading financial services firm that focuses on working with business owners, entrepreneurs, and professionals. What this means is that we invest the time to educate, organize, and prepare our clients for the inevitable financial issues they face.

With our local presence, you can count on a unique experience and personal service. With our national network, you have access to sophisticated resources. Together, we can help achieve financial independence for you-and your future generations.

SUD’ BA Finance Solutions, Bhutan and it’s ‘predecessors has been offering financing solutions to a large array of businesses across the country and internationally. Our company strives to provide our clients with the best financing options available in order to optimize their growth. “When our funding sources and banks compete, your company wins!”

By working directly with several different banks and private funding sources from around the country and internationally, SUD’ BA Finance Solutions, Bhutan meets your business needs by providing access to capital when it’s needed. Where other banks may lack in their effort or interest to meet your business concerns, SUD’ BA Finance Solutions is there to assist you in securing your future.

We are committed to providing unbiased advice and prudent strategies for our clients’ financial needs and growth. Our services are always tailored to your unique needs. We provide business capital, accounts receivable financing, factoring solutions, inventory financing. We have simplified the financial process and are able to offer our clients multiple funding sources to suit their needs. Our reward is satisfied clients!


At SUD’ BA Finance Solutions, Bhutan we treat our clients with courtesy and integrity. We guarantee realistic, honest financial advice that achieves results. We will lead your organization on a path to financial growth, with strong capital sources that will provide the necessary funding when you need it. Our years of experience and notable expertise ensure that your organization’s financial future is in good hands.
Our consistent track record of uncompromising ethics instills confidence and trust. We use cutting edge technologies to ensure up to the minute information from the financial world. This allows us to respond quickly, and give you the most relevant information and perspective.
We have earned our clients trust and loyalty, one financial solution at a time. Let us help you grow your business or finance your next venture Today!


Story Of Creation Of SUD’ BA Finance Solutions, Bhutan

It was a day when Sandeep Rai Chamling was trying to make something out of his life because he decided to be somebody in this completely changed world like any one else but the journey to become somebody was started when he met a girl from Russia in the year of 2012 while he was studying in one of the university of Uttar Pradesh in India far away from his sweet home called Phuentsholing, Bhutan. After a day and night online chat and video calling, like over 18 hours of online moment together daily, suddenly they decided to move ahead and be in love relationship and create a brand new bond. They planned to meet in the year of 2014 in Thailand thinking that it is in the middle of Russia and Bhutan so both of them started working while studying and collecting each penny to make every moment special once they meet so finally the moment came to meet in real so they gave their relationship name as “REAL FATE”. The girl and he started the process for getting the visa for Thailand but something happened which both of them didn’t even think about it for a second. He went to immigration office of Bhutan and requested for the visa for Thailand but at that time there was no way to travel to overseas for the Bhutanese like Sandeep Rai Chamling because he don’t have any Citizenship Identity Card of Bhutan so that’s why he didn’t get his passport and of course visa too. It was so complicated when he explained everything about how and why he didn’t get his Citizenship Identity Card, Passport and Visa to that girl so at first, with the emotion of not be able to meet, the girl could not understand anything, she was crying just behind the screen of his laptop, he couldn’t say any words more because both of them knew its the end of their relationship but still then they had hope to meet one day so continued their relationship but this time everything was changed knowing that they can’t meet ever and slowly they start to loose contact and they finally said “Good Bye!” to each other in the year of 2014 (September). From that moment, he realized the power of Citizenship Identity Card of Bhutan so he decided to start his company of financial services under that name “SUD’ BA Fiance Solutions, Bhutan” and he gave the name of company as SUD’ BA because its a Russian word which means “Fate”. Now his core vision with SUD’ BA Finance Solutions, Bhutan is to give the employment to all those Bhutanese who don’t have Citizenship Identity Card of Bhutan so they can at least fulfill their dreams and be somebody and don’t suffer the moments like he did. The main reason of why he wants to give employment to those Bhutanese is because, while we was studying, he got a job in one of a big company of Uttar Pradesh, India but due to no proper proof of Citizenship Identity Card of Bhutan, he got rejected.

The two main moments of his life mentioned above led him to start the company named SUD’ BA Finance Solutions, Bhutan.

Moral: ” Its not the girl or the citizenship identity card of Bhutan but its because of the turning points of his life led him to be somebody and he is still looking for his place to be someone now and make some changes in his country and serve his country with his heart so no one can suffer like he did in terms of opportunities. He is just trying to be HUMAN. “

Meet the Team

The family of SUD’ BA Finance Solutions, Bhutan is small at the moment but not planning to keep is same instead planning to grow the family tree any time soon to help and guide the beloved human beings who need us.

Sandeep Rai Chamling

Sandeep Rai Chamling
CEO| Founder| Mentor| Adviser
Profession- Business Service Specialist
” Let us climb together to the stairs of no hardship financially, emotionally and physically. Family makes us strong and better. I am just BEING HUMAN. “


Troy Sadkowsky
Vice President
Profession- Data Scientist
“I live in Bhutan because I challenge the status quo. Just like SFS Bhutan I believe we can create a better world. By partnering with SFS Bhutan I gained the financial support I needed to make my business grow. I joined the team as Vise President and advise on data science enhancements for the company.”


Eugene Neal Natkong
Sr. Independent Finance Manager


Angela Lankford
Sr. Independent Finance Manager

Louria Bittle Hardy
Sr. Independent Finance Manager

Darlene S Townsend
Independent Finance Manager

Quentelle Barton
Independent Finance Manager

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