1) you have to apply for bail when you appear in court on first date
2) the complaint filed by NBFC would contain details of offence committed by you
3) bail amount is at the discretion of court
4)lawyer would not like to antagonise the magistrate
5)order issuing summons is not an interlocutors order revision against order is maintainable before sessions court
6)in alternative you can file petition in HC under section 482 of cr pc to quash said order
7) SC in adalat Prasad case has held that only remedy against summoning order is to invoke the extraordinary jurisdiction of HC under section 482 of cr pc