Loan services · Lucknow
Finance that fits
the file you actually have.
70+
Banks & NBFCs
6
Loan categories
Free
First consultation
Lucknow
Local office
Loan products
Borrow for the right reason, on the right terms.
The cheapest-looking option is not always the right one. We look at purpose, tenure, collateral and cash flow together before recommending a route.
Home loans
Purchase, construction, plot or balance transfer — with a clear view of down payment, EMI and total cost before you choose a property.
Loan against property
Unlock funds against residential or commercial property for business or personal needs, with the collateral and exit plan discussed upfront.
Business & MSME finance
Working capital, machinery, expansion and secured business lending for proprietors, partnerships and companies.
Personal loans
Planned expenditure, medical needs or consolidation — assessed on income and repayment capacity, not on how quickly it can be approved.
Professional loans
Funding for doctors, chartered accountants, architects and other professionals, aligned with practice cash flow.
Balance transfer & top-up
A second look at your current loan: rate, tenure and charges, including whether a transfer will actually save money after costs.
Calculators
Start with a realistic number.
These are planning tools, not offers. The final amount, rate and tenure are decided by the lender after underwriting.
Reading the result
A longer tenure lowers the EMI but raises the total interest. Compare the total cost, not just the monthly outflow.
Want a second opinion on the rate you have been offered?
Ask an advisorEstimated monthly EMI
₹42,152
Calculations are illustrative and use the reducing-balance method. They do not include processing fees, insurance, GST or other lender charges.
Before you apply
What the lender will look at.
A credit team is not reading your story — it is reading your file. These are the factors that usually decide the outcome.
- Income level and stability
- Credit history and repayment record
- Existing EMIs and overall obligations
- Employment or business vintage
- Bank statement behaviour
- Collateral or acceptable co-applicant
- Age and remaining working life
- Complete, consistent documentation
The honest part
A rejection is often a documentation problem, not a dead end.
We review the actual reason before suggesting another application. Sometimes the right next step is to wait, fix a credit issue or choose a different product — not to keep applying.
The process
From first call to disbursal, one owner.
You will always know which stage the file is in and what is pending from your side.
01
Share the requirement
Amount, purpose, income and current obligations. A short conversation is enough to start.
02
Indicative fit
We shortlist lenders whose policy matches your profile and explain the likely rate band and conditions.
03
Documentation
A written checklist, help with gaps and coordination with the lender's credit team.
04
Sanction & disbursal
We follow the file through sanction, agreement and disbursal — and stay reachable after it closes.
Loan questions
What people ask before applying.
Clear answers, including the parts that are not in our control.
It depends on income, existing EMIs, credit history, age, employment or business profile and — for secured loans — the property or collateral. Our eligibility calculator gives an indicative range. A lender's credit team makes the final decision.
We first shortlist lenders whose policy fits your profile so that unnecessary hard enquiries are avoided. Any lender application you authorise can appear as an enquiry on your credit report. We explain this before submission.
Typically identity and address proof, income proof (salary slips or ITR and financials), bank statements and, for secured loans, property papers. The exact list depends on the lender and product. We share a written checklist for your case.
Sometimes. A rejection may be due to documentation, credit history, income assessment or lender-specific policy. We review the reason and tell you honestly whether another application makes sense or whether you should fix something first.
The first consultation is free. If a fee applies to a specific service, it is disclosed in writing before any work begins. Lender charges such as processing fees, valuation and legal fees are separate and are set by the lender.
It varies by product and lender, and is usually longer for secured loans that need valuation and legal checks. After we see your documents, we give you a realistic estimate for your file rather than a generic promise.
Real Factor is a corporate DSA, not a lender. Loan approval, rate, fees, tenure and disbursal are decided solely by the lender. Calculator outputs are illustrative and not a sanction letter.
Loan advisory
Have a requirement? Put it on the table.
Tell us the amount, the purpose and what you have already tried. We will tell you what looks realistic and what does not.