Business
Business loans
Term loans to expand, buy equipment or stock, or open a new location, repaid over an agreed tenure.
Loan facilitation & consulting
We don’t lend. We help you borrow well.
SP & SP Services is a loan facilitator. We understand what you need, explain your options in plain words and take a complete application to RBI-regulated banks and NBFCs. The lender decides, and we stay with you until it does.
What we facilitate
Loans we can help you apply for.
Subject to lender availability and your profile. If a product isn’t a good fit for you, we say so before anything is sent.
Business
Working capital
Overdraft, cash-credit and short-term limits that keep day-to-day operations funded while you wait to be paid.
Business & individual
Loan against property
A secured loan against residential or commercial property you own, for business or personal needs.
Business
Project & construction finance
Funding for construction and project work, usually released in stages as the work progresses.
Business
Trade finance
Finance for import and export cycles, such as pre-shipment and post-shipment credit.
Individual
Personal loans
Unsecured loans for salaried and self-employed people, for planned personal expenses.
Before you apply
Business-finance consulting
For businesses that want their paperwork and numbers in order before they speak to a lender. Any consulting fee is agreed in writing before we start, and is never linked to loan approval.
This is not investment, tax or legal advice. Consulting disclaimer
- Loan readiness review
- Project reports and CMA data
- Documentation support
- Cash-flow and working-capital planning
Please note: we are not a lender.
SP AND SP SERVICE LLP is not a bank or a Non-Banking Financial Company and does not lend money or accept deposits. Loan applications are facilitated to our partner banks and NBFCs, which assess them under their own credit policies. Sanction, amount, interest rate, fees and terms are decided solely by the lender. Submitting an enquiry does not guarantee approval. We never ask for any upfront fee to ‘approve’ a loan.
Who can apply
Salaried, self-employed or running a business.
Eligibility is always the lender’s call. Here is how each profile usually fits, so the first conversation starts in the right place.
Individuals
Salaried
You draw a regular salary into your bank account, from a company, a firm or a public body.
- Often a fit
- Personal loans, loan against property
- Lenders usually look at
- Income, employer, existing EMIs and credit history
Professionals
Self-employed
Doctors, chartered accountants, architects, lawyers, consultants and others in their own practice.
- Often a fit
- Business loans, working capital, loan against property, personal loans
- Lenders usually look at
- Income tax returns, years in practice, banking and credit history
Firms & companies
Businesses
Proprietorships, partnerships, LLPs and private limited companies, from traders and manufacturers to service firms.
- Often a fit
- Business loans, working capital, loan against property, project and construction finance, trade finance
- Lenders usually look at
- Turnover, years in business, GST returns, financial statements, banking and credit history
Documents
What the lender will usually ask for.
An indicative checklist, so you can get ready. The lender sets the final list and may ask for more.
If you are salaried
- PAN card
- Aadhaar card, or another proof of address
- Recent salary slips
- Salary account statements for the last 6–12 months
- Form 16 or income tax returns
- Proof of employment, such as an appointment letter
- For a loan against property: the property papers
If you are a self-employed professional
- PAN card and Aadhaar card
- Proof of qualification or professional registration
- Income tax returns for the last 2–3 years
- Bank statements for the last 6–12 months
- Proof of your practice or office address
- Financial statements, if prepared
- For a secured loan: property or asset papers
If you run a business
- PAN of the business and of each owner, partner or director
- KYC of each owner, partner or director
- Registration: GST, Udyam, partnership deed, LLP agreement or certificate of incorporation, as applicable
- Bank statements for the last 6–12 months
- Financial statements and income tax returns for the last 2–3 years
- GST returns
- For project or trade finance: a project report, orders or contracts
- For a secured loan: property or asset papers
Need a project report or CMA data? We can prepare it as separate consulting work, with the fee agreed in writing first.
How it works
Four steps, and the lender decides.
You always know who you are dealing with, and nothing goes to a lender without your agreement.
Step one
Tell us what you need
Request a callback. We call back Monday to Saturday, 9:30 am to 7 pm. No documents at this stage.
Step two
We look at your options
We understand your profile, explain suitable loan types and list the documents the lender will ask for.
Step three
You know the lender first
Before your application goes anywhere, we tell you the name of the lender it will go to. You deal with that lender directly.
Step four
The lender decides
The lender assesses, sanctions and disburses, straight into your bank account. Read its Key Facts Statement before you sign.
SP & SP
What we do
- Understand your requirement and your profile
- Explain product features as the lender communicates them
- Help you put together and submit a complete application
- Follow up with the lender and keep you updated
The bank or NBFC
What only the lender does
- Assesses eligibility, and checks your credit report with your consent
- Decides sanction, amount, interest rate, fees and tenure
- Gives you its Key Facts Statement and loan agreement
- Disburses into your bank account and collects repayments
Our lending partners
The lender’s name, before anything is sent.
We work with RBI-regulated banks and NBFCs. Before your application goes anywhere, we tell you the name of the lender it will go to, and you deal with that lender directly.
Regulated lenders
The banks and NBFCs we work with are regulated by the Reserve Bank of India. You can check any lender on rbi.org.in and on its own website.
Named before you apply
You hear the lender’s name from us before your details are shared. If you’d rather not go ahead with that lender, nothing is sent.
Your contract is with the lender
You sign the lender’s own documents, directly with the lender. Money moves only between you and the lender.
Why no names here? We publish a lender’s name on this page only with that lender’s written consent. You will always hear the name from us before you apply.
Fees
Fees, in plain words.
Three things to know before you pay anyone anything.
- Getting a loan approved
We never ask for money to approve a loan.
We will never ask you to pay money to us or to any individual to get a loan approved, whether in cash, by bank transfer or to a personal UPI ID.
- Consulting work
Agreed in writing, before we start.
If we do separate consulting work for you, such as a project report, the fee is agreed in writing before we start and is never linked to loan approval.
- The lender’s charges
Set by the lender, shown in its Key Facts Statement.
The lender’s own processing fee appears in the lender’s Key Facts Statement, with the interest rate and every other charge. Read it before you sign, and pay the lender only through its official channels.
If anyone asks you to pay a ‘file charge’, an ‘approval fee’ or ‘insurance’ to an individual or a personal UPI ID in our name, do not pay. Report it at 1930 or cybercrime.gov.in (opens in a new tab), tell us at info@spandsp.com, and read our fraud advisory.
Disclosures
Loan facilitation disclosure.
Please read this before you apply. It sets out who we are, what we do, and what only the lender decides.
Last updated: October 2026
Who we are
SP AND SP SERVICE LLP (“SP & SP”), LLPIN ACU-0464, GSTIN 06AFVFS1426A1Z3, registered office in Gurugram, Haryana. SP & SP is not a bank, a non-banking financial company (NBFC) or any other lender regulated by the Reserve Bank of India. It does not accept deposits and does not lend money.
Our role
For loan products, SP & SP acts only as a channel partner, or loan facilitator, for RBI-regulated banks and NBFCs that have engaged us. Our work is limited to understanding your requirement, explaining product features as communicated by the lender, helping you collect and submit your application and documents, and following up with the lender. Before sending your application anywhere, we will tell you the name of the lender it will go to.
The lender decides
Eligibility, sanction, loan amount, interest rate (including the Annual Percentage Rate), fees, tenure and all other terms are decided solely by the lender under its own credit policy. Before you sign, the lender will give you a Key Facts Statement (KFS) and a sanction letter or loan agreement on its own letterhead. Read them carefully. They override anything on this website or said by our team.
No guarantee
Submitting an enquiry does not guarantee approval, any loan amount or any interest rate. We do not publish interest rates or offers on this website.
How money moves
Loans are disbursed by the lender directly into your bank account, and repayments are made directly to the lender. SP & SP never collects EMIs or repayments, never holds your money, and never accepts cash or UPI payments on a lender’s behalf. We will never ask you to pay money to us or to any individual to get a loan approved. If we do separate consulting work for you, the fee is agreed in writing before we start and is never linked to loan approval.
Your information
With your consent, we share the details you give us only with the lender we have named to you, for evaluating your loan request. The lender may obtain your credit report. You can withdraw consent or ask us to delete your data by writing to privacy@spandsp.com. See our privacy policy.
Complaints
Write to our Grievance Redressal Officer at grievance@spandsp.com. We will acknowledge your complaint within 2 working days and respond within 15 days. You can also complain to the lender’s grievance redressal officer, whose details are on the lender’s website and in its loan documents. For a loan, the lender remains responsible for resolving complaints. If the lender rejects your complaint, you are not satisfied with its reply, or it doesn’t reply within 30 days, you can complain to the RBI under the Integrated Ombudsman Scheme at cms.rbi.org.in (opens in a new tab). How to escalate
Stay safe
You can check whether a lending app is linked to a regulated lender on the RBI’s list of Digital Lending Apps deployed by regulated entities, on rbi.org.in (opens in a new tab) under Citizen’s Corner. Report entities illegally accepting deposits on the RBI’s Sachet portal, sachet.rbi.org.in (opens in a new tab), and cyber fraud at 1930 or cybercrime.gov.in (opens in a new tab).
Summary in Hindi
हिंदी में सारांश
एसपी एंड एसपी सर्विस एलएलपी (SP AND SP SERVICE LLP) कोई बैंक या एनबीएफसी (NBFC) नहीं है। हम न तो लोन देते हैं, न ही जमा राशि स्वीकार करते हैं।
हम आपके लोन आवेदन को भारतीय रिज़र्व बैंक (RBI) द्वारा विनियमित बैंकों और एनबीएफसी तक पहुँचाने में मदद करते हैं। आवेदन भेजने से पहले हम आपको लेंडर (ऋणदाता) का नाम बताते हैं।
लोन की मंज़ूरी, राशि, ब्याज दर, फ़ीस और शर्तें सिर्फ़ लेंडर तय करता है। पूछताछ भेजने से लोन मिलने की कोई गारंटी नहीं है। लोन की रकम सीधे आपके बैंक खाते में आती है और किस्तें सीधे लेंडर को जाती हैं।
लोन मंज़ूर करवाने के लिए हम कभी कोई अग्रिम शुल्क नहीं माँगते, और न ही आपका OTP, UPI PIN, CVV या पासवर्ड माँगते हैं।
शिकायत के लिए लिखें: grievance@spandsp.com। हम 2 कार्य दिवसों के भीतर आपकी शिकायत मिलने की पुष्टि करते हैं और 15 दिनों के भीतर जवाब देते हैं।
If the English and Hindi versions differ, the English version applies.
Loan FAQ
Questions borrowers ask us.
Something else on your mind? Write to info@spandsp.com or request a callback.
Our role
Is SP & SP Services a bank or an NBFC?
No. SP AND SP SERVICE LLP is a registered LLP based in Gurugram, Haryana. It does not lend money or accept deposits. For loans, we work as a channel partner of RBI-regulated banks and NBFCs, and those lenders assess, approve, price and disburse every loan.
Which lenders do you work with?
We work with RBI-regulated banks and NBFCs. Before your application goes anywhere, we tell you the name of the lender it will go to, and you deal with that lender directly.
Do I have to pay you to get a loan?
We will never ask you to pay money to us or to any individual to get a loan approved. If we do separate consulting work for you, such as a project report, the fee is agreed in writing before we start and is never linked to loan approval. The lender’s own processing fee, if any, appears in the lender’s Key Facts Statement and is paid only to the lender.
Can you guarantee approval or a particular interest rate?
No. Approval, amount, interest rate and terms are decided only by the lender, under its own credit policy. We help you choose suitable options, prepare a complete application and follow up.
Applying
What kinds of loans can you help with?
Business loans, working capital, loan against property, project and construction finance, trade (import and export) finance, and personal loans. What is available to you depends on the lender and your profile.
What documents will I need?
Usually KYC (PAN and Aadhaar), recent bank statements and income proof, and for a business, GST or Udyam registration and financial statements. Secured loans also need property or asset papers. The lender sets the final list. We don’t collect documents through this website, and we will never ask for your OTP, PIN or passwords.
How long does it take?
It depends on the lender, the type of loan and how complete your documents are. After the first call we give you a realistic timeline and keep you updated.
Will my enquiry affect my credit score?
Talking to us does not. When a lender processes your application, it may check your credit report with your consent, and several checks in a short period can lower a score slightly. We won’t send your application to any lender without telling you first.
Money and complaints
Who pays the loan into my account, and who do I repay?
The lender. Loans are disbursed by the lender directly into your bank account, and you repay the lender directly. We never collect EMIs, never hold your money and never accept cash or UPI payments on a lender’s behalf.
I have a complaint about a loan. Who do I contact?
Write to our Grievance Redressal Officer at grievance@spandsp.com. We acknowledge within 2 working days and respond within 15 days. You can also contact the lender’s grievance officer, and if the lender does not resolve it within 30 days, you can approach the RBI at cms.rbi.org.in (opens in a new tab).
Start with one conversation.
Tell us what you need. No documents at this stage, and no obligation. We call back Monday to Saturday, 9:30 am to 7 pm.
Contact
Tell us what you need. We’ll call you back.
Pick a service and add a few details. No documents are needed at this stage.
- Emailinfo@spandsp.com
- CallbacksMonday to Saturday, 9:30 am to 7 pm
- OfficeGurugram, Haryana. Working across Delhi NCR and Mumbai.
- Job seekerscareers@spandsp.com
- Complaintsgrievance@spandsp.com
We contact you only from email addresses ending in @spandsp.com, and we never ask for a fee to approve a loan. Fraud advisory
Thank you. Your enquiry is in.
We’ll get back to you Monday to Saturday, between 9:30 am and 7 pm. If you asked about a loan, we’ll tell you the lender’s name before anything is sent.
Remember: we contact you only from @spandsp.com email addresses, and we never ask for a fee to approve a loan.