Business Loans

What is a Business Loan?

At Dream Finvest Group, our business loans are designed to empower entrepreneurs and established businesses by providing financial support for growth and operations. Whether you need funds for starting a new venture, expanding your business, purchasing equipment, or managing working capital, our business loans offer flexible terms, competitive rates, and quick disbursal to help you achieve your goals.

Who Can Avail a Business Loan?

Our business loans are available to a wide range of businesses and professionals who meet the following criteria:

• Self-employed individuals, partnerships, private limited companies, or proprietorships.
• Businesses operational for at least 2 years with stable revenue.
• Minimum annual turnover of ₹3 lakhs.
• Age of applicant between 21 and 65 years.
• Good credit score (preferably above 700).
• Business registration documents and valid financial records.

We assess applications based on business stability, revenue, and repayment capacity to ensure tailored financing solutions.

Documents Required

To apply for a business loan with Dream Finvest Group, please provide the following documents:

• Identity Proof: Aadhaar Card, PAN Card, Passport, or Voter ID of the business owner.
• Address Proof: Aadhaar Card, Utility Bills, Rental Agreement, or Passport.
• Business Proof: GST registration, Shop Act License, Udyam Registration, or Partnership Deed.
• Financial Documents: Last 2 years' ITR, Profit & Loss Statement, and Balance Sheet.
• Bank Statements: Last 12 months' bank statements of the business account.
• Photographs: Recent passport-sized photographs of the applicant.

Additional documents may be required based on the business profile. Our team will guide you through the process.

Benefits of Business Loans

Choosing a business loan from Dream Finvest Group comes with several advantages:

• Quick disbursal within 72 hours of approval.
• Loan amounts ranging from ₹1 lakh to ₹1 crore, based on business needs.
• Flexible repayment tenure from 12 to 84 months.
• Competitive interest rates starting at 11% p.a.
• Collateral-free options for eligible businesses.
• Minimal documentation with a seamless online application process.
• Prepayment and foreclosure options with low charges.

How to Apply

Applying for a business loan with Dream Finvest Group is simple and efficient:

1. Visit our website or nearest branch to complete the online application form.
2. Submit the required business and financial documents.
3. Receive preliminary approval based on your eligibility and business profile.
4. Our team will verify your documents and conduct a business assessment.
5. Upon final approval, funds will be disbursed to your business account within 72 hours.

Contact our dedicated business loan support team for any assistance.

Interest Rates and Fees

Our business loans come with transparent pricing:

• Interest Rate: Starting from 11% p.a. (fixed or reducing balance, based on business profile).
• Processing Fee: Up to 2.5% of the loan amount + GST.
• Foreclosure Charges: 4% on outstanding amount after 12 months; foreclosure not allowed before 12 months.
• Part Prepayment: Up to 25% of principal annually with no charges after 6 months.
• Late Payment Fee: 2% per month on overdue EMI.

Note: Rates and fees are subject to change. Please consult our team for the latest details.