Four steps, from enquiry to disbursal.
Getting a loan can mean a lot of running around, with forms, follow-ups and branch visits. We take that on so you don't have to.
Step 1 of 4
Enquiry
You tell us what you need. We listen first, then suggest the loans that fit.
What we do
- Call you back and understand what the money is for
- Explain the loan types that could suit you, in plain words
- Tell you honestly if we think a loan is not right for you now
What you do
- Fill in the form, call us or message us on WhatsApp
- Share a rough amount and what it is for
Done whenYou know which loan to go for, and what comes next.
Step 2 of 4
Documents
We keep paperwork to the minimum the bank needs, and do the checking for you.
What we do
- Send you a short checklist for your loan and bank
- Check every document and point out anything missing
- Prepare a complete, organised file
What you do
- Share the documents on the checklist, by WhatsApp, email or in person
- Sign the consent forms the bank requires
Done whenYour file is complete and ready for the bank.
Step 3 of 4
Bank approval
We take your file to public sector banks, private sector banks and financial institutions and follow up for you.
What we do
- Submit your file to suitable approved banks
- Follow up with the bank and keep you updated
- Explain the bank's questions and its offer, including the Key Fact Statement
What you do
- Answer any questions the bank asks
- Read the offer and decide whether to accept
The bank makes the decision.
Approval, the interest rate and the terms are decided by the lending bank alone. We make sure your file is complete and keep things moving.
Done whenYou have a decision from the bank, and you understand it.
Step 4 of 4
Disbursal
We stay with you until the money reaches your account.
What we do
- Help you through the loan agreement and final formalities
- Stay in touch until the funds arrive
- Remain your point of contact if questions come up later
What you do
- Review and sign the bank's loan agreement
- Confirm when the money reaches your account
Done whenThe money is in your account.
Who does what
What you provide, what we handle, and what only the bank can decide.
| Task | You | Us | Bank |
|---|---|---|---|
| Tell us what you need | Yes | No | No |
| Suggest the loans that fit | No | Yes | No |
| Share the documents on the checklist | Yes | No | No |
| Check documents and prepare the file | No | Yes | No |
| Submit the file to approved banks | No | Yes | No |
| Follow up and keep you updated | No | Yes | No |
| Answer questions about your application | Yes | Helps | No |
| Decide approval, interest rate and terms | No | No | Yes |
| Sign the loan agreement | Yes | Helps | Yes |
| Disburse the money | No | No | Yes |
What we don't do
- We don't lend money.We are a loan facilitator. Your loan comes from a bank or financial institution.
- We don't decide approval, rates or terms.The lending bank decides. We make sure your file is complete and you understand the offer.
- No one can guarantee approval.Be careful of anyone who promises it. We will always tell you plainly where things stand.
Ready for step one?
Approval, interest rate and final terms are always the bank’s decision. Our job is to make getting there simple.