DREAM SUPPORTER

Dream Support – Instant Business Loan App

Dream Support is a digital lending platform that provides fast and secure business loans to self-employed professionals and small business owners. The app offers a simple application process with minimal documentation and a fully digital verification system.

Eligible applicants can apply for business loans from ₹50,000 to ₹5,00,000 to support working capital, business expansion, inventory purchases, or operational needs.

Loan Highlights

• Loan Amount: ₹50,000 – ₹5,00,000
• Interest Rate: 12% – 20% per annum (Flat Rate)
• Loan Tenure: 6 – 60 months
• EMI Frequency: Monthly
• Repayment Mode: E-NACH / PDC Cheque

Loan approval and loan amount depend on credit assessment and internal policies.

Credit Assessment

Loan applications are evaluated through credit bureau checks including:

• CIBIL
• CRIF Highmark
• Experian
• Equifax

Businesses Eligible for Loans

Dream Support supports a wide range of micro and small businesses, including:

Retail Businesses
Kirana stores, grocery stores, mobile shops, electronics stores, clothing shops, footwear shops, cosmetic stores, gift shops, and toy shops.

Food Businesses
Restaurants, cafés, bakeries, fast food shops, tea stalls, sweet shops, ice cream parlours, and tiffin services.

Service Businesses
Salons, barber shops, beauty parlours, tailoring shops, boutiques, laundry services, dry cleaning shops, printing and photocopy shops.

Repair & Technical Services
Mobile repair shops, computer repair shops, electronics repair shops, garages, and vehicle repair workshops.

Construction & Hardware Businesses
Hardware stores, electrical material shops, paint shops, building material suppliers, tile or sanitary shops.

Other Businesses
Medical stores, coaching centres, stationery shops, courier services, transport operators, travel agents, scrap dealers, and small manufacturing units.

Restricted Business Profiles

Loans are not offered to the following profiles:

• Butchers or meat businesses
• Loan agents or DSAs
• Advocates
• Politicians
• Police personnel
• Cattle businesses
• Diamond businesses
• Share market related businesses

Eligibility Criteria

• Age between 21 and 60 years
• Applicant must be a business owner or self-employed professional
• Minimum 1 year of business stability
• Residence or business ownership proof required

Documentation

Dream Support follows a 100% digital documentation process. Applicants may need to provide:

• PAN Card
• Aadhaar Card
• Mobile Number and Email ID
• Ownership Proof (Residence or Business)
• Bank Statement (Last 3–12 months)
• Income Tax Return (ITR)
• GST 3B (if applicable)
• Sales and Purchase Bills

All documents are digitally verified.

Fees & Charges

• Login Fee: ₹300 (Non-refundable)
• Processing Fee: 1% – 4% + GST
• Insurance Premium: Based on age, loan amount, and tenure
• EMI Bounce Charges: ₹500 + GST

Prepayment Charges
• No prepayment charges up to ₹3,00,000
• 4% foreclosure charges for loans between ₹3,00,000 – ₹5,00,000 if closed within 24 months

Security & Verification

Dream Support uses digital verification and fraud prevention systems including fraud detection tools, online tele-verification, and geo-tagging for business and residence verification.

Disclaimer
Loan approval, loan amount, and interest rate are subject to internal credit policies and verification.

Recent changes:
Updated