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Business loan

Business loan is an unsecure loan and can be availed of easily taken from BANKS and NBFC. All financial sector needs to check your employment, credit score and income. All most offering completely digital application and approval of personal loans, You can get the amount disbursed and in your account.

business loan

We Offer The Benefits

If you have eligibility for income, finance sector provide maximum 75 lakhs and minimum 1 year to maximum 4 years.

Reasons of Business loan

  • Business Expanses
  • business Improvement
  • Take Over From Other Bank/NBFC
  • Top up
  • Create New Venture
  • No Security / Collateral
Business-Loans-for-startup

Any questions find here

★ KYC Documents
1. Pan Card
2. Aadhar Card
3. Passport Size Photos – 3 Copy

★ Income Documents
1. Last 3 Years IT Returns
2. Balance Sheet – Computatioin & Profit-loss
3. All Bank Statements of 1 Year from Till Date.(Current & Saving)
4. GU-MAT-SA Dhara Certificate, Udhyog Aadhar, GST Certificate
5. Light Bill of Business/Rent Agrement (If Rented)

★ Resident Documents
1. Latest Light Bill Copy
2. Rent Agreement (If Rented)

1. Diverse Options for Business Loans: When seeking a business loan, each bank offers varying interest rates, tenures, and criteria. Your loan amount and interest rate depend on your profile, encompassing factors like your company, take-home salary, average bank balance, designation, and CIBIL score. Banks usually grant loans based on multiples of your net take-home salary, typically ranging from 7 to 18 times.

2. Consider the Balance Transfer Scheme: If you wish to relieve the burden of high interest rates or consolidate multiple EMIs into one, the Balance Transfer Scheme can be a game-changer. This scheme provides a chance to secure a new loan with lower interest rates and processing fees. By utilizing this scheme, you can manage a single EMI despite obtaining new funds.

3. Discover Special Schemes: Every bank and NBFC offers unique policies for business loans, often considering different factors for eligibility. Special schemes cater to diverse situations, even accommodating those who may be overleveraged. These institutions frequently introduce new schemes featuring varying loan amounts, processing fees, and interest rates. It’s advantageous to seize the right scheme promptly.

4. Differentiating Prepayment and Regular Loans: In the market, there are loans with and without prepayment options, each having distinct interest rates. Choose between them based on your loan purpose, repayment capacity, savings strategy, and additional income sources. Deciding if you can make prepayments before the tenure concludes is crucial for optimizing your loan choice.

5. Understanding Flat Rate and Reducing Rate: Differentiating between flat interest rates and reducing interest rates is pivotal. While they yield the same effective interest rate, the calculation method varies. A flat rate multiplied by 1.75 equals the reducing rate. For example, if the flat rate is 10%, the reducing rate would be 10% * 1.75 = 17.5% annually. This understanding ensures informed decisions and prevents misunderstandings caused by misinterpretations.

✔ Submit Currently Running Loan Statement of account (If Any).
✔ Submit all Documents in Hardcopy Togather.