Credit that moves India forward.
SPF brings personal, business and secured loans together on one transparent platform — funded entirely by cleared investor capital, with every rupee accounted for before disbursal.
- Capital facilitated
- ₹250 Cr+
- Families & businesses
- 12,000+
- Fully funded first
- 100%
Active loan book
₹24.8 Cr
₹1.84 Cr
₹96.4 L
Recent activity
View all- Rohan Mehta EMI received · Personal loan +₹8,450
- Ananya Textiles Loan disbursed · Business loan -₹12,00,000
- Investor deposit Cleared · NEFT +₹25,00,000
Loan products
The right loan for every milestone.
From a wedding at home to a new production line, SPF offers lending products built around how India earns, builds and grows.
Personal loan
For weddings, education, travel or a medical need — with a simple EMI plan.
- Limit
- Up to ₹10 lakh
- Rate
- From 11.50% p.a.
- Tenure
- 12–60 months
Business loan
Working capital, new equipment or expansion — without giving up ownership.
- Limit
- Up to ₹50 lakh
- Rate
- From 13.00% p.a.
- Tenure
- 12–48 months
Home loan
Buy your first home, build on your plot or renovate the one you have.
- Limit
- Up to ₹1 crore
- Rate
- From 8.75% p.a.
- Tenure
- Up to 20 years
Loan against property
Unlock the value of residential or commercial property for a large expense.
- Limit
- Up to ₹75 lakh
- Rate
- From 10.25% p.a.
- Tenure
- Up to 15 years
Gold loan
Quick funds against your gold, with transparent valuation and secure storage.
- Limit
- Up to ₹25 lakh
- Rate
- From 9.50% p.a.
- Tenure
- 3–24 months
Professional loan
For doctors, chartered accountants and founders investing in their practice.
- Limit
- Up to ₹40 lakh
- Rate
- From 12.25% p.a.
- Tenure
- 12–60 months
Interest rates shown are indicative and depend on credit assessment, loan tenure and profile. All loans are subject to document verification and applicable terms.
How it works
From application to disbursal, in four clear steps.
No hidden stages, no surprise deductions. You can see exactly where your loan is — and what happens next.
Apply in minutes
Tell us what you need and share basic KYC details. No paperwork marathon.
Get a clear offer
Receive a personalised amount, rate and EMI schedule with every charge disclosed.
Capital verified
We match your loan with cleared investor capital and reserve 100% before approval.
Money in your account
Once fully funded and approved, the amount is paid to your verified bank account.
No partial disbursements. Not even close.
Every rupee is backed by cleared investor capital before it reaches your account.
Why SPF
Lending built on real money, not assumptions.
Most lending problems start with money that is not really there. Our deposits-first model means every loan is funded by cleared capital and tracked against a single, auditable ledger.
- Deposits-first capital model Loans are funded only from cleared investor deposits — never from pending or assumed money.
- Exact, loan-wise allocation Capital is reserved against your loan, rupee for rupee, with no double allocation.
- Transparent EMI schedules Flat or reducing-balance interest, fees disclosed upfront and a full repayment calendar.
- Audited, immutable records Every deposit, allocation, disbursal and EMI collection is written to an immutable ledger.
Loan processing center
LN-000128
Funding confirmation
₹5,00,000 / ₹5,00,000
Let’s get started
Let’s fund your next milestone.
Tell us what you are planning. Our lending team will help you choose the right product, understand the EMI and walk you through every document.