About Us
About Us
Welcome to ReaLoan, India’s fast-growing digital Finance assistance and financial facilitation platform dedicated to simplifying the borrowing process for individuals, professionals, SMEs, MSMEs and corporates.
We are not a direct lender; we act as an independent DSA / Channel Partner / Service Partner for multiple leading Banks, NBFCs and Private Financial Institutions across India. Our objective is to help customers compare, choose and apply for the most suitable Fiance products—quickly, transparently and professionally.
Who We Are
It was founded by Mr. Bishwajit Saha, a seasoned finance and banking professional with 20+ years of experience in Credit, Retail Finance, MSME Finance, Project Funding and Customer Advisory.
After working with various banks, NBFCs and financial distributors, he identified a major gap in how customers understood and accessed Finance—leading to delays, rejections, misinformation and poor Finance structuring.
We was created to bridge this gap by offering:
Professional guidance from a finance expert
Transparent advisory without hidden motives
PAN-India lender partnerships
End-to-end support from application to disbursal
What We Do
We provides a complete digital Finance assistance ecosystem, helping customers find the right financial solution at the right time.
Our Services Include:
✔ Personal Finance (Unsecured)
For salaried & self-employed individuals needing quick funds.
✔ Home Finance
Best interest rates from major banks with full documentation support.
✔ Mortgage Finance/ Fund Against Property
High-value funding for business expansion, consolidation or personal needs.
✔ Business & MSME Finace
Working Capital, OD/CC, GST-based Finance, and more.
✔ Project Finance
Funding support for large-scale infrastructure, industrial or expansion projects.
✔ Equipment & Machinery Finance
For manufacturers, industrial units, contractors & startups.
✔ Invoice / Bill Discounting
Improve cash flow with collateral-free receivable finance.
Why Choose Us?
Multi-Lender Platform
We work with top banks, NBFCs & private lenders, giving you access to the best offers in one place.
Zero Consultancy Charges
We do not charge customers for Finance assistance.
Our income comes through official DSA commissions from lenders.
100% Transparency
No hidden fees, no false promises—only ethical and professional financial advisory.
Data Privacy Assurance
Your financial documents and information are always safe with us.
Our Mission
To make finance accessible, simple and transparent for every Indian individual, entrepreneur and business owner.
Our Vision
To become India’s most trusted and customer-friendly Fund facilitation platform, providing unbiased financial guidance with integrity and professionalism.
Our Motto:
“Right Loan. Right Lender. Right Time.”
We don’t just help you apply—we help you make the right financial decision.
Looking for any type of Finance
Borrower Testimonials
FAQs
What is Project Finance?
Project Finance is a long-term funding structure provided for large business projects such as real estate development, manufacturing plants, hotels, warehouses, hospitals, infrastructure, renewable energy, and industrial expansion. The repayment comes primarily from the project’s future cash flow, not the borrower’s personal income.
What is the eligible funding amount under Project Finance?
ReaLoan facilitates Project Finance in the range of:
₹5 Crore to ₹500 Crore
Final limits depend on:
Project cost and viability
Expected revenue cash flow
Asset collateral value
Promoter’s background and financial strength
NBFC or Bank’s internal exposure caps
Some lenders offer even higher amounts for Tier-A developers and strong industrial groups.
Who is eligible for Project Finance?
Eligibility is based on promoter and project credibility. Typically required:
Private Limited / LLP / Partnership / Listed Company
Minimum 3 years business track record (some NBFCs accept new SPVs with strong parent companies)
Clean banking transactions & GST compliance
Positive net worth (or strong parent guarantee)
Promoter contribution (margin) as per project size
Satisfactory credit history and repayment track record
For real estate projects, the developer’s past delivery track record and RERA compliance are important.
What type of projects can get financed?
Banks and NBFCs typically fund:
✔ Commercial real estate projects (offices, malls, hotels)
✔ Residential development projects
✔ Manufacturing units (greenfield or expansion)
✔ Warehouse & logistics parks
✔ Hospitals & healthcare facilities
✔ Educational institutions
✔ Infrastructure projects
✔ Renewable energy projects (solar, wind)
✔ Industrial automation or plant upgrades
How much promoter contribution is required?
Most lenders follow the standard industry rule of:
25%–40% promoter contribution (equity)
However, for strong groups, NBFCs may reduce it to 20%.
Banks have stricter norms under RBI guidelines, usually requiring higher equity and complete project documentation.
What is the minimum CIBIL / credit score requirement?
For large-ticket loans, lenders focus more on corporate creditworthiness than individual scores, but typically:
Promoter CIBIL score: 700+ preferred
Corporate credit score: must have clean repayment history
No major defaults, settlements, restructuring, or NPA records
NBFCs may accept slightly lower scores if the project strength and collateral are strong.
What collateral is required for Project Finance?
Most lenders require:
Mortgage of project land & building
Hypothecation of project receivables
Assignment of project cash flows
Escrow of sales/lease rentals
Personal guarantee of promoters
Corporate guarantee (if needed)
Security structure varies depending on the nature of the project.
What documents are required to apply for Project Finance?
✔ Detailed Project Report (DPR)
✔ CMA Data (Cost, Means, Cash Flow)
✔ Company KYC, GST, ROC filings
✔ Past 3 years Financial Statements
✔ Project approvals (RERA, building plan, pollution, Fire NOC, etc.)
✔ Land documents & valuation report
✔ Promoter Net Worth Statement
✔ Cash Flow Projections for 5–10 years
NBFCs may allow relaxed documentation depending on project type.
How is eligibility and loan amount decided?
Banks and NBFCs evaluate multiple factors:
Project feasibility & profitability
Repayment capability from future revenue
DSCR (Debt Service Coverage Ratio) — should be >1.2 ideally
Collateral value & asset coverage ratio
Background & track record of promoters
Market demand & project location
Cost overruns and risk assessment
What is the loan tenure for Project Finance?
Typical tenure:
5 to 15 years
Industrial & infrastructure projects may receive extended terms depending on concession periods and revenue cycles.
How long does it take to get approval?
NBFCs: 15–45 days (faster, flexible underwriting)
Banks: 30–90 days (stricter due diligence, RBI norms)
Large-ticket loans require more technical, legal, and financial evaluation.
What interest rates are applicable?
Rates vary based on project type and risk profile:
Banks: 9% – 13% (linked to RLLR/MCLR)
NBFCs: 11% – 18% (based on risk, speed, flexibility)
Specialized project lenders: may go higher for high-risk projects
Do lenders fund 100% of the project cost?
No.
Banks and NBFCs typically fund:
60%–75% of the total project cost
Promoter equity must be invested first before disbursal milestones.
Is personal guarantee of promoters required?
Yes.
Almost all lenders require personal guarantee for project loans, including corporate projects, unless the firm has extremely strong balance sheets (large listed companies).
Can an SPV (Special Purpose Vehicle) apply for Project Finance?
Yes.
Most real estate & infrastructure loans are structured through SPVs.
However, lenders will still evaluate the parent company and may require a corporate guarantee.