Home loan or loan against property: which one do you need?
Both use property as security, but they solve very different problems. Here is how a home loan and a loan against property…
Read the guide →5 BRANCHESBusiness, home and personal loans across Maharashtra
Stop getting
rejected by banks
Apply once. We match your file to the bank or NBFC most likely to say yes, prepare every paper, and stay with you until the money lands. Secured and unsecured loans, with business loans up to ₹50 Cr, from 5 branches across Maharashtra.
Textile trader, IchalkaranjiBusiness loan · ₹19 Cr✕Rejected by 2 banks
Dentist, NashikProfessional loan · ₹45 L✕Low CIBIL score
CNC workshop, PuneMachine loan · ₹7 Cr✕GST returns missing
First home, KolhapurHome loan · ₹85 L✕Income not on paper
Shop owner, NagpurLoan against property · ₹12 Cr✕Property papers incomplete
Illustrative examples of the kinds of files we work on.
loan types under one roof
0
business loans, secured or unsecured, up to
₹
0
Cr
branches across Maharashtra
0
person who owns your file
0
The problem
You apply to 5 banks,
get 5 rejections
Applied blindly
Day 1: walk into your bank
One form, one lender, and no idea if your profile even fits their policy.
WEEK0
WEEK2
Missing papers
File stuck at verification
An ITR computation or a GST return is missing. The file sits in a queue.
CIBIL hit
Try two more lenders
Every new application is a fresh hard enquiry on your credit report.
WEEK4
WEEK6+
Opportunity gone
The deal did not wait
The stock, the machine, the shop next door. Gone to someone with cash ready.
Eligible on paper, rejected in practice. The problem was never you. It was the file.
How it works
From application to
sanction in 3 steps
You may be eligible for
₹48,00,000
Step 3 of 4 · About you
Business loan
Expansion · CIBIL 750+On track
Expansion · CIBIL 750+On track
✓No credit enquiry
01
Apply in two minutes.
Four quick questions about the loan you need and your profile. No documents, no CIBIL enquiry, no branch visit.
02
We match the right lenders.
Suhas’s team checks your profile against bank and NBFC policies, tells you exactly which papers to keep ready, and prepares the file.
Lenders matched to your profile
Lender A · Private bankBest fit
Lender B · NBFCLikely
Lender C · PSU bankLikely
Only lenders likely to approve see your file.
✓File checked page by page
Sanctioned amount
₹48,00,000
Monthly EMI
₹1,06,772Tenure
5 yearsExample at 12% p.a.
✓Disbursed to your account
03
Money in your account.
Your sanction letter is explained line by line before you sign. We stay on call until the money actually reaches your account.
Why Sankpal
Built for Maharashtra.
By people who know it.
One desk for every file: the right papers, the right lenders and an EMI that fits what you earn. Here is what that looks like in practice, from Ichalkaranji to Nagpur.
Your document checklistLive
- ✓PAN and Aadhaar
- ✓GST certificate
- ✓2 years ITR
- ✓12 months bank statement
- ✓Udyam / Shop Act
- ✓Office address proof
Paperwork, handled
You get the exact list for your profile. We check every page before a lender ever sees it.
Banks and NBFCs, one desk
One application reaches the lenders that fit your amount and purpose. No blind applications.
EMI vs monthly incomeExample
EMI
₹55,611Comfort
HealthyEMIs planned around you
We size the loan to what you actually earn, so growth never squeezes your month.
Our edge
Banks see a file.
We see your business.
With Sankpal
- ✓One application, matched to the lenders likely to approve
- ✓The exact document list before you start
- ✓One person owns your file, start to finish
- ✓Rate, fees and terms explained before you sign
- ✓Follow-ups handled until disbursal
Going bank to bank alone
- ✕Apply blindly, collect rejections
- ✕Discover missing papers weeks later
- ✕A new person every time you call
- ✕Surprises in the sanction letter
- ✕Chasing the branch for updates
Meet the founder
Your file gets a name,
not a number.
When you call, Suhas or his team picks up, not a call centre. You will know what fits, what it costs and what to submit before you sign a single page.
Suhas SankpalFounder, Sankpal Sales & Services · Member, Saturday Club Deccan Chapter
From the blog
Loan guides,
in plain words
HOME AND PROPERTYLAP
CREDIT SCORE750
CIBIL score: what lenders actually look at
Your CIBIL score is only the headline. Here is what lenders read in the full report, what a good score looks like,…
Read the guide →BUSINESS LOANSFILE
Why banks reject business loans, and how to fix your file
Most business loan rejections have nothing to do with whether you can repay. Here are the common reasons files get turned down,…
Read the guide →Swipe to see more →
Ready to get your
loan sanctioned?
Two minutes to apply. One call to know your options. No obligation to go ahead.
