HOW IT WORKS

We listen to your needs, tailor our services accordingly, and guide you step-by-step towards achieving your financial goals.

 
 
 
white paper on brown folder beside silver laptop computer
01

Application

The borrower submits a loan application to the bank, either in person, online, or through other channels. The application includes personal and financial information, such as income, employment history, credit score, and the purpose of the loan.
02

Documentation and Verification

The bank requests supporting documents from the borrower, such as identification proof, income statements, bank statements, and collateral details (if applicable). The bank verifies the information provided to assess the borrower’s creditworthiness and eligibility for the loan.
audit, review, data
woman signing on white printer paper beside woman about to touch the documents
03

Credit Assessment

The bank conducts a credit assessment to evaluate the borrower’s creditworthiness and ability to repay the loan. This process involves analyzing the borrower’s credit history, income stability, debt-to-income ratio, and other factors.
04

Loan Approval

If the borrower meets the bank’s lending criteria and passes the credit assessment, the loan is approved. The bank determines the loan amount, interest rate, repayment term, and any associated fees.
stamp, secret, important