Service 07
Personal Loans
Unsecured personal credit for medical, education, wedding or consolidation needs, with clear eligibility guidance before you apply.
Who this is for
Salaried and self-employed individuals with a defined, short-tenure need.
What we deliver on this mandate
- Eligibility and bureau position reviewed before any application
- Comparison on total outgo, not on advertised rate
- A single matched application instead of several enquiries on your bureau report
How the file is built
- 01Financial SWOTWritten position on what you can raise, and on what basis.
- 02Instrument designFacility structure, tenure and repayment profile.
- 03End-use justificationEnd-use note tied to the project or operating cycle.
- 04Banker-grade appraisalCMA data, projections, ratio and DSCR workings, project report.
- 05Lender matchingA matched lender, with the reasoning shown to you.
Questions we get on personal loans
Will applying at several banks improve my chances?
It usually does the opposite. Every application is a hard enquiry on your bureau report, and a cluster of them reads as distress. One matched application is the better play.
My score has taken a hit. What now?
We look at why. Some marks are remediable within a few months, and waiting that long can be worth more than any rate negotiation. Sometimes the honest advice is to wait.
Fifteen minutes will tell you if this is the right instrument.
Free eligibility assessment, then a written fee proposal if we take the mandate on.