Loan Services
Personal, business and secured loans with documentation support and multi-bank options.
Check Your Loan OptionsEnd-to-End Loan Assistance
Dream Financials works with multiple banks and NBFCs to help you choose the right product, prepare documents and submit the file properly – so approval is faster and smoother.
- Multiple banks / NBFC comparison.
- Proper file preparation and documentation.
- Guidance till disbursal & basic post-disbursal support.
Personal Loan
UnsecuredFor salary & self-employed clients – medical, travel, marriage, balance transfer etc.
Business Loan
Working capital, overdraft / CC, term loans for MSME, traders & professionals.
Home Loan & LAP
Home purchase, balance transfer, top-up & loan against residential / commercial property.
Education & Car Loan
New / used car loans and education loans for India & abroad studies.
Govt Schemes
Mudra, PMEGP, MSME and other government-backed funding support.
Documentation Desk
KYC, income proof, banking, property & project report support under one roof.
Personal Loan
Unsecured loan for salaried & selected self-employed profiles – for personal use like medical emergency, marriage, travel, education top-up, credit card closure or other needs.
Basic Highlights
- Typical ticket size: ₹1 Lakh to ₹50 Lakh (profile & bank dependent).
- Tenure: approx. 1 to 6 years with fixed EMI.
- Quick processing based on income and credit score.
Key Eligibility (Indicative)
- Age usually 21–60 years.
- Minimum net salary / income as per bank norms.
- Clean repayment track record & acceptable CIBIL score.
Common Documents
- KYC: PAN, Aadhaar, current address proof.
- Income (salaried): last 3–6 months salary slips, Form 16, 6–12 months bank statement.
- Income (self-employed): last 1–2 year ITR, audited or provisional financials, GST / business proofs.
- Existing loan / credit card statements (if balance transfer / top-up).
Business Loan
Funding for traders, manufacturers, service providers, professionals & small companies – for working capital, machinery purchase, expansion or cash flow management.
Basic Highlights
- Unsecured & secured both options as per profile.
- Products: term loan, OD/CC, invoice / POS based funding etc.
- Tenure generally 1–7 years (product-specific).
Key Eligibility (Indicative)
- Vintage: usually 1–3 years in current business.
- Stable turnover and banking behaviour.
- Business registered with basic licenses (GST, shop act etc. as applicable).
Common Documents
- KYC: PAN, Aadhaar of proprietor / partners / directors.
- Business Proof: GST certificate, shop act, Udyam, MOA/AOA, partnership deed etc.
- Financials: last 1–3 year ITR, balance sheet, P&L, computation.
- Bank statements: current / OD / CC / main business accounts (last 6–12 months).
- Existing loan sanction letters & EMI / CC statements (if any).
New / Used Car Loan
Funding for new car, used car or refinance of existing vehicle. Suitable for salaried and self-employed clients with proper income or banking profile.
Basic Highlights
- Typically up to 80–90% of car value (bank dependent).
- Tenure approx. 1–7 years with fixed EMI.
- Used car & refinance available with selected lenders.
Key Eligibility (Indicative)
- Valid driving license & stable income.
- Acceptable CIBIL / bureau score.
- Car should be from approved dealer / model list (for used cars – age & RC conditions apply).
Common Documents
- KYC: PAN, Aadhaar, address proof.
- Income: salary slips & bank statement / ITR & financials as applicable.
- Proforma invoice / quotation from dealer (for new car).
- RC book, insurance, existing loan statement (for used / refinance cases).
Education Loan
Loans for higher studies in India or abroad – for tuition fees, living expenses, exam / visa / travel and related costs based on scheme.
Basic Highlights
- Co-borrower generally required (parent / guardian).
- Moratorium period available as per bank (study period + grace).
- Secured / unsecured options based on course, institute & amount.
Key Eligibility (Indicative)
- Confirmed admission / offer letter from recognised institute.
- Acceptable academic record of student.
- Income strength of co-borrower / collateral as per bank requirement.
Common Documents
- Student KYC + academic documents (marksheets, entrance scores).
- Admission letter, fee structure, course details.
- Co-borrower KYC, income proof (salary / ITR / financials).
- Collateral property documents (if loan is secured against property).
- Existing education loan statements (if transfer / top-up).
Home Loan
Long-term funding for purchase / construction of residential property, balance transfer from existing bank and top-up based on eligibility.
Basic Highlights
- Higher ticket size with longer tenure (up to ~20–30 years, bank dependent).
- Both salaried and self-employed profiles considered.
- Balance transfer with top-up to reduce EMI and get extra funds.
Key Eligibility (Indicative)
- Stable income history and acceptable FOIR (EMI to income ratio).
- Clear property title and approved project / plan.
- Credit bureau score as per lender norms.
Common Documents
- Personal KYC of all applicants & co-applicants.
- Income proof: salary slips, Form 16, ITRs, financials as applicable.
- Bank statements – salary / business / existing loan accounts.
- Property papers: agreement, allotment letter, chain documents, approvals, tax receipts etc.
- Existing home loan sanction letter & statement (for BT / top-up).
Loan Against Property (LAP)
Secured loan by mortgaging residential / commercial property. Funds can be used for business expansion, consolidation of high-cost loans, education, or other declared purposes.
Basic Highlights
- Higher loan amount possible based on property value and income.
- Tenure typically up to 10–15 years.
- Interest usually lower than unsecured loans.
Key Eligibility (Indicative)
- Clear and marketable title of property.
- Property within approved location / city list of lender.
- Income sufficient to service EMI as per FOIR norms.
Common Documents
- Personal & business KYC of applicants.
- Income proof: ITRs, financials, salary slips / business docs.
- Property docs: sale agreement, registry, previous chain, NOC, tax receipts, approved plan etc.
- Existing loan statements on same property (if any).
Govt Loans – Mudra, PMEGP, MSME
Assistance in preparing file for government-backed schemes such as Mudra, PMEGP and other MSME subsidy / guarantee based loans in coordination with banks / implementing agencies.
Basic Highlights
- Suitable for new & existing micro / small enterprises.
- Mix of term loan and working capital options.
- Interest / collateral norms depend on specific scheme & bank.
Key Eligibility (Indicative)
- Business activity should fall under permitted category of scheme.
- Promoter contribution & margin money as per scheme rules.
- Clean track record and basic KYC / compliance in place.
Common Documents
- KYC of promoters and business.
- Project report / business plan with cost & revenue projection.
- Quotations for machinery / equipment (if applicable).
- Previous financials / bank statement for existing business.
- Application forms / declarations as per specific scheme.
Simple 4-Step Loan Process
Instead of running from bank to bank, you share your requirement once and we help you shortlist options, prepare documents and track the file.
Final sanction, rate of interest and terms are always as per the respective bank / NBFC’s credit policy. Our role is to prepare & present your case properly.
We understand amount, purpose, tenure, existing obligations and basic profile (salary / business, CIBIL, property etc.).
Output: Indicative loan options and feasibility.
We share lender-wise document list and formats (salary, banking, property, project report, forms etc.).
Output: Clear file structure for submission.
Once documents are ready, application is logged in with suitable bank / NBFC and queries (if any) are resolved.
Output: File moves to credit, valuation, legal etc.
After approval, we help you understand sanction terms, sign agreements and complete disbursal documentation.
Output: Amount credited as per disbursal schedule.
Typical Loan Profiles We Handle
Dream Financials works with a wide range of customers. Below are some common categories – even if you do not fall exactly in these, you can still share your requirement.
Private & Govt Employees
Personal, home, car and LAP cases for reputed company employees, PSU / govt staff etc.
Focus: Clean bureau + stable income.
Retailers, Traders, Units
Working capital, CC/OD, term loans, POS / GST based funding and property backed loans.
Focus: Banking turnover & compliance.
Growing Businesses
Term loans, LAP, equipment funding and selected govt schemes like Mudra / PMEGP etc.
Focus: Business model & projections.
India & Overseas Studies
Education loans with parent as co-borrower and property / unsecured options as per case.
Focus: Course, institute & co-borrower strength.
Why Choose Dream Financials for Loans?
We are not a single-bank agent. Our focus is to find a practical structure for your requirement, prepare your file properly and keep communication transparent.
Multi-Bank Options
Access to multiple banks & NBFCs – so we can align lender choice with your profile and requirement, not the other way around.
Benefit: Higher chance of getting the right sanction.
Strong Documentation
From KYC to property & financials, we ensure documents are arranged lender-wise so that queries and re-submissions are minimised.
Benefit: Cleaner file, faster processing.
Profile Improvement
If immediate sanction is difficult, we guide on steps to improve CIBIL, banking and documentation for future eligibility.
Benefit: Clear roadmap instead of blind rejections.
Transparent Communication
You know where the file is – login, credit, valuation, legal, sanction or disbursal. No hidden charges without prior discussion.
Benefit: Fewer surprises, better planning.
Loan Snapshot (Indicative)
Below values are only for basic understanding. Actual eligibility, interest rate and tenure always depend on bank / NBFC policy and your profile at the time of application.
| Loan Type | Nature | Approx Tenure | Security | Typical Ticket Size |
|---|---|---|---|---|
| Personal Loan | Unsecured | 1 – 6 years | Not required | ₹1L – ₹50L |
| Business Loan | Unsecured / Secured | 1 – 7 years | Income / property / business strength | ₹2L – ₹2Cr (profile based) |
| Home Loan | Secured | 5 – 30 years | Residential property | ₹10L – higher, as per property |
| Loan Against Property | Secured | 5 – 15 years | Residential / commercial property | Based on property valuation |
| Education Loan | Unsecured / Secured | Up to 10–15 years (incl. moratorium) | Co-borrower / property as per scheme | As per course & institute |
| New / Used Car Loan | Secured | 1 – 7 years | Vehicle itself | As per car value & profile |
Document Overview
Exact list depends on bank & product, but generally you will need the following groups of documents.
| Document Type | PL | BL | HL / LAP | Edu | Car |
|---|---|---|---|---|---|
| KYC (PAN, Aadhaar, Photo, Address) | ✔ | ✔ | ✔ | ✔ | ✔ |
| Income Proof | ✔ | ✔ | ✔ | Co-borrower | ✔ |
| Bank Statements | ✔ | ✔ | ✔ | ✔ | ✔ |
| Property Papers | – | Optional | ✔ | Secured cases | RC / Invoice |
| Business Proof | – | ✔ | Self-employed | Co-borrower (if business) | Self-employed |
| Others (Quotation, Project Report, etc.) | Case-wise | ✔ | ✔ | ✔ | ✔ |
Our Recent Loan Mix (Last Few Months)
Indicative share of cases handled – only to give you an idea of where we are most active.
Numbers are approximate and change month to month. Core idea – we handle a mix of retail, MSME and secured loans.