List of Business Loan Articles

Banks and financial institutions offer Flexi business loans, which let borrowers withdraw and repay funds within a set credit limit. Unlike regular term loans, which involve receiving a lump sum and making fixed monthly payments, Flexi business loans work like a revolving credit facility. This means business owners can withdraw funds as needed, repay them, and then draw again within the specified limit. It's like a credit card but with lower interest rates.

A retail business loan is a financial product designed to provide funding specifically for retail businesses. It enables retailers to secure capital to cover various expenses, such as opening a new store, expanding an existing one, purchasing inventory, marketing campaigns, renovating premises, or investing in new technologies.

Swedish banking crisis is one of the most well-known financial crises. It occurred in 1992. All through the decade of 80s, the central bank of Sweden kept interest rates low. Due to low interest rates, demand for loans went up sharply.

What is a microfinance institution A microfinance institution or micro-finance lender gives small, unsecured loans to people from poorer sections of the society. Usually, the maximum amount of loan that a micro-finance lender gives is Rs 1 lakh. These loans are usually given for meeting the daily needs of the borrower or the needs of the borrower to buy some income-generating asset.  Microfinance is a […]

What is an asset price bubble? An asset price bubble happens when the market price of an asset becomes excessively above its intrinsic value or fair value. Take the example of a stock, X. Market price of stock X is currently Rs 500. Intrinsic value of stock X is Rs 20. So it can be said that an asset price bubble is there in stock […]

Savings & Loan (S&L) associations are quite common in United States. They accept deposits and give loans only to their members. So the customers of an S&L association are also its members or shareholders. S&L associations are also known as credit unions. They give a variety of loans to their customers. These include mortgage loans, business loans, personal loans etc. They also provide checking and […]

The term securitization came into wider notice when 2008 global financial crisis happened. The crisis started with large scale defaults on mortgage backed securities (MBS) in United States. MBS are securities issued against home loan mortgages.

It's easy to commence small business ideas in India with low investment, which makes it interesting for starters. However, individuals could pursue these in their spare time when they are not working full-time. Such businesses offer one of the largest ways to earn profits through displaying and monetising their products and services to others.

There are a few construction company ideas for beginners that can help you get started in this exciting and quickly growing area. If you want to establish your firm in the construction industry, now is a fantastic time.

A business is a for-profit operation or activity. It could be a corporation, a partnership, an organisation, a single proprietorship, a profession, or any other entity that engages in profit-making commercial, industrial, philanthropic, or professional activity.

Debt financing adds to a company's debt element of its capital structure. It can improve the performance and growth of an organisation.

The net working capital meaning displays the discrepancy between current liabilities and assets for a business. The leftover sum represents the business's working capital for the near future.

Funding issues are common amongst corporate exporters who implement sought-after strategies to expand their global sales. If you are one such company seeking ways to improve your sales figures, this post might be for you.

Bridge loans will function much more similarly to short-term loans. They have some features that distinguish them from short-term loans.

Payments play a crucial role in any buyer and supplier's financial decisions. So, they are a sheer source of negotiations between buyers and suppliers. Buyers may seek longer payment terms as it works in their favour.

In the context of business, capital refers to the financial as well as non-financial assets and resources that are used by a business organization for funding its operations, as well as various investments.

Non-Banking Financial Company or NBFC business loan is a kind of financing offered by Indian non-banking companies, which are financial institutions that offer various financial services just like the traditional banking system but don’t hold a banking license.

Opting for a business loan can be a pivotal step in addressing one’s entrepreneurial dreams or expansion of an existing business. Applying for a business loan is a significant financial decision that must be taken only after considering various factors.

Take advantage of the subsidies provided by the CLCSS to enhance your plant equipment and machinery. Before applying for a term loan, ensure that your primary lending institution is included in the CLCSS scheme.

Small and Medium Enterprises (SMEs) can secure financial support through loans to facilitate their progress, enlargement, and evolution. MSME loans serve many purposes, including addressing working capital needs, acquiring new machinery or equipment, and acquiring fixed assets or inventory.

The government has launched a special loan program for women entrepreneurs under the Pradhan Mantri Mudra Yojana scheme, known as the Mudra Yojana Loan Scheme or Mahila Udhyami Yojana. This initiative offers women entrepreneurs approximately Rs 10 lakh loans, free from collateral requirements and featuring low-interest rates with flexible repayment tenures.

Inventory Financing definition refers to the form of short-term financial arrangement or a revolving credit line established to fund a company's inventory. In this arrangement, the inventory purchased by the company serves as collateral to secure the borrowed funds.

Business ideas for students in India can significantly contribute to their upcoming professional lives. Other than that, these business schemes can provide a perfect scope for offering young minds practical experience, financial security, solid work portfolio and professional satisfaction.

The longer-term loans for business come with a specified extended duration for repayment. While certain loans can extend up to 25 years, the usual repayment timeframe falls within 5 to 7 years.

Mumbai, the city of dreams, also serves as the financial capital and is a city teeming with fashion and entrepreneurial opportunities. Many people from other parts of the country move to Mumbai with their aspirations and ambitions, as the city houses the headquarters of some of the leading multinational companies in India.

A business loan serves as an effective financial arrangement in which a financial institution lends a sum of money to an entrepreneur or a business with a mutual agreement that the sum will be repaid within the stipulated time, along with interest.

The cost of ev charging station in India depends on the charger type and quantity. Two primary types of EV charging stations exist - AC and DC fast-charge. AC stations deliver a slower charge rate than DC fast-charge options, but their installation costs are generally lower.

This article is designed to present you with ten side business ideas that require no financial investment, offering you a path toward self-reliance. Continue reading to find how to initiate a profitable venture without spending a single rupee!

Embarking on your entrepreneurial journey needn't be an intimidating financial leap. By infusing a touch of research and a dash of creativity, you can confidently step into successful business ownership without feeling the pinch in your wallet. Imagine this: You stand on the threshold of an exciting adventure where the absence of upfront investment doesn't cast a shadow over your potential for success.

The term "Udyam" translates to enterprise in English, and the Udyam Registration symbolizes the official recognition of an enterprise under the MSMED Act. This registration applies to enterprises engaged in manufacturing or production and those providing services. Whether it's a startup, a small factory, or a service provider, Udyam Registration is a boon for them all.

The beauty of crowd funding lies in its flexibility; it caters to various types of businesses and projects. Whether you're launching a new product, expanding your existing business, or supporting a social cause, crowd funding offers a viable financing option.

NBFCs have emerged as formidable contenders to traditional banks and other lenders. With their flexible eligibility criteria, swift loan disbursal, competitive interest rates, and digital loan processing, NBFCs offer unique advantages that cater to the needs of modern businesses.

A fixed-interest loan on a business loan comes with a steady and unchanging interest rate throughout the loan tenure. This means that the interest you agree upon at the beginning of the loan remains constant, and your monthly installments will not be affected by market fluctuations.

A project report for a bank loan is a detailed document that outlines the nature of your business project and the reasons behind seeking financial assistance from the bank. It serves as a blueprint, providing potential lenders valuable insights into your project's feasibility, profitability, and potential risks.

The debt trap looms as a formidable adversary in the treacherous realm of personal and business finance. This perilous predicament ensnares individuals and enterprises alike when debts accumulate to an overwhelming extent, rendering the path to repayment treacherous. The debt trap often emerges when borrowers resort to securing new loans to alleviate the burden of existing debts, unknowingly entangling themselves in a relentless spiral of debt accumulation that seems nearly impossible to escape.

The Micro, Small, and Medium Enterprises (MSME) sector is vital to India's economic growth, contributing significantly to GDP and generating employment for millions. However, despite its importance, MSMEs often need help accessing much-needed business loans.

No-doc business loans are a one-stop solution for businesses and entrepreneurs seeking funding or finance options that are quick and easier to procure without much hassle of documentation.

According to the UCC Filings definition, Uniform Commercial Code Filing is a form of document or notice employed by lenders to secure transactions when lending debtors' money. It allows the lender to recoup the loan money in case of default by establishing rights over the listed property of the debtor, which is used as collateral to secure the loan.

At its core, the concept of an overdraft meaning revolves around its role as a safety cushion during possible financial challenges. Imagine a situation where you've come to the close of the month, and your bills are knocking at the door, yet your account balance is a bit shy. The overdraft comes, swooping in to let you make those crucial payments, even if your account isn't overflowing.

Working capital management meaning encompasses the discrepancy between a company's current assets and present liabilities. Current assets consist of highly liquid resources such as cash, accounts receivable, and inventory – essentially, anything readily convertible into cash within a year.

In the present era, there exists a dual narrative. While we encourage women to embrace professional roles, we expect them to fulfil traditional responsibilities like childbirth and child-rearing. This juxtaposition often leads women to prioritise the latter to maintain harmony within their families or society, resulting in a regression to conventional gender norms.

Kiosk refers to Kommunikasjon Integrert Offentlig Service Kontor, which is basically a small cubical or space denoting a compact booth that offers banking services to every individual, even to customers living in the most remote areas, without requiring them to pay a visit to any bank branch.

Two of the most common types of loans that often cater to their needs are business loans and microloans. Understanding the contrast between the two is essential for entrepreneurs to determine the right funding fit for their business.

A business loan is a financial solution offered to entrepreneurs and businessmen for a plethora of purposes, such as expansion, purchasing inventory, buying equipment, working capital, and investing in technology, among various other needs related to business. Business loans are typically offered by banks, online lenders, credit unions, and other financial institutions.

Small or large businesses alike frequently want more funding to cover ongoing expenses. The type of firm, its capital intensity, and its stage of development, all affect the amount of investment needed.

A machine lounge is a special type of business loan specially designed to assist businesses in upgrading or acquiring equipment, machinery, and other capital assets that are essential for the smooth performance and enhanced productivity of an enterprise. Businesses that heavily rely on equipment and technology for their daily operations can be particularly benefitted from machinery loans.

Equity crowdfunding is a particular kind of crowdfunding that helps businesses and individuals in raising capital for their ventures or projects by offering equity or ownership stakes through online platforms to a large number of investors. This allows enterprises and companies to gather small amounts of money from a large pool of investors instead of from a single investor.

Banks and financial institutions offer Flexi business loans, which let borrowers withdraw and repay funds within a set credit limit. Unlike regular term loans, which involve receiving a lump sum and making fixed monthly payments, Flexi business loans work like a revolving credit facility. This means business owners can withdraw funds as needed, repay them, and then draw again within the specified limit. It's like a credit card but with lower interest rates.

An asset-based or secured loan uses collateral as its security. The asset of a business is any property that it owns and controls. In unsecured loans, collateral is not required, and lenders usually consider factors like good payment history and active years in business to determine the amount of money to lend. Lenders cannot take any asset in unsecured loans.

Understanding the loan disbursement process allows you to navigate the borrowing landscape more confidently. By selecting the right lender, submitting a comprehensive loan application, and completing the necessary documentation, you increase your chances of a smooth loan disbursal experience.

MSME loans are specifically designed to cater to the financing needs of Micro, Small, and Medium Enterprises. These loans provide capital for business expansion, purchasing equipment, managing working capital, or any other business-related requirement. Financial institutions, including banks and non-banking financial companies (NBFCs), offer MSME loans to support the growth and development of small businesses.

Business loans empowers you as a borrower. Understanding common terms such as collateral, interest rate, amortization, loan term, and debt-to-equity ratio enables you to communicate effectively with lenders, compare loan options, and make informed decisions for your business.

Securing an emergency business loan can be a lifeline during challenging times. By evaluating your financial situation, researching lenders, preparing a compelling loan proposal, and improving your creditworthiness, you can increase your chances of success. Build relationships with lenders, submit a complete application, and carefully review loan terms and conditions before signing.

In today's competitive business landscape, effective advertising is crucial for the success of any company. It allows businesses to reach their target audience, increase brand awareness, and ultimately drive sales. However, financing advertising campaigns can be challenging, especially for small and medium-sized enterprises (SMEs).

In today's digital age, the idea of working from home has garnered massive popularity. Whether you're seeking the flexibility of being your own boss or simply want to escape the daily commute, starting a work-from-home online business can be a rewarding venture.

Working capital loans are short term loans. They have to be paid within a period of 1 year or less. They are usually approved quickly. If you have current account.

If you are looking for a loan to start a new business or for expanding your existing business, then a good and detailed business plan may also help you in getting a business loan at a lower interest rate.

A business loan pitch refers to an engaging presentation or proposal made by the business owner or the entrepreneur to potential investors or lenders with the aim of convincing them to provide a business loan. A business pitch revolves around highlighting the key aspects of the business, including market opportunities, revenue projections, and loan purposes.

ITR refers to Income Tax Return which is basically a document that needs to be filed by businesses and individuals with the tax authorities for reporting their income, tax liabilities, and tax deductions for a particular financial year.

Startup business loans are specially offered as assistance to entrepreneurs who have an innovative business idea but need an established credit history or significant assets to use as collateral.

Getting a business loan approved opens the door to fulfilling your entrepreneurial dreams and accomplishing your long-term business goals. It offers you finacial fuel for either option for a startup or to expand your existing business.

CIBIL score is an individual's lending worth, the trade report by CIBIL emphasises an establishment's lending value. This report is a systematic declaration that reflects a firm's financial health considering the information acquired from financial institutions and banks.

Paying a business loan down payment upfront is not necessary. Nonetheless, if you opt for a secured loan, specific lenders may request collateral in business or personal assets. However, for unsecured loans, no business loan down payments required.

Business loan, it is essential to analyze them well and then choose a practical, hassle-free business loan for raising immediate capital without going through unnecessary steps or delays. So, here’s what does a hassle-free business loan mean.

MSME loan provides financial assistance to individuals, medium and small business owners, or start-ups, enabling them to support their company operations. MSME loans are typically unsecured debts and are considered to be among the most effective ways to grow a business by improving cash flow.

As a major business loan benefits, you can easily avail of a business loan without associating any of your assets as a guarantee. Simply put, taking a business loan is possible even without a guarantee or a guarantor.

As per the new definitions, a micro enterprise is now one that has an investment of not more than Rs 1 crore and annual turnover or sales of not more than Rs 5 crore. A small enterprise is one that has investment in plant, machinery etc. of not more than Rs 10 crore and annual turnover of not more than Rs 50 crore.

The 59 Minutes Loan program for MSMEs is meant to act as an incentive of growth for MSMEs. For Indian small enterprises, the 59 Minutes MSME Loan scheme is proving to be an important one. The program has accelerated MSMEs' growth by streamlining loan approval processes, providing collateral-free loans, and delivering attractive interest rates.

Business owners should consider the pros and cons of no credit check loans. Exploring alternative financing options, improving credit scores, and seeking guidance from financial professionals can also be beneficial in finding the most suitable funding solution for their specific needs.

An EV charging infrastructure is necessary for making electric vehicles (EVs) a viable alternative to conventional vehicles. This article will give you an idea of how much it can cost for setting up an EV charging station in India.

As a woman you can have a number of home responsibilities or both home & work responsibilities. A side business can be started by giving just your free time to it. You can do it on a small scale and still earn some useful income from it.

MSMEs are micro, small and medium enterprises. It is important for MSMEs to be able to raise loan financing, in order to meet their expansion and operational needs. A number of banks and NBFCs, such as IIFL Finance, offer business loans to MSMEs. Some lenders offer unsecured business loans of as high as Rs 2 crore to MSMEs.

You can get a loan for buying another business. Usually, the lender checks the financial viability of the business that you intend to acquire with the loan. The assets of the business that you intend to acquire with the loan may be asked by the lender as security for the loan.

Unsecured business loans do not require any collateral or security to be given to the lender by the borrower. In order to get an unsecured business loan the business should have a high credit score or strong cash flows.

The easiest way to acquire funds for setting up your online trading firm is by applying for a business loan. Several lenders are offering affordable loans to set up a new business. You should compare the interest rates, repayment flexibility, and various other aspects of the loan before choosing it. You can get such a loan from an NBFC lender, such as IIFL Capital Services.

While applying for business loans, you must choose the right tenor according to your convenience. A longer tenor means you will get more time to repay your business loan. But it will also unnecessarily increase the interest payable.

Working capital helps businesses to fund their operations and meet short-term requirements. It also helps businesses to achieve operational expansion. Therefore, working capital management is crucial for smooth , uninterrupted operations of any business.

Several lenders offer loans to small businesses in India. If you want to apply for a small business loan, check out the key factors to consider.

If your business is a micro, small or medium enterprise then getting it registered as an MSME can bring some benefits. These benefits can include government incentives for MSMEs in certain sectors, tax rebates in some areas etc.

Commercial financing or commercial loan is an arrangement of funds between a financial institution and an enterprise owner. You can use the proceeds from the loan for anything right from paying off an existing debt or investing in new equipment.

Finance is the lifeline of every business. It's not just crucial for the company's success, but it also helps set the company up from the ground up. The world of company finance has advanced significantly since the days of conventional borrowing. This article will cover eight business finance types in India.

According to some estimates, India is home to 5000 medium enterprises, 0.33 million small, and 63.05 million micro industries. Therefore, the need for business financing is on the rise. However, different government loan schemes for small businesses have been launched for budding entrepreneurs. Thus, you can start and grow your firm with these loan programmes.

According to the data, women-led businesses comprise 20.37% of India's MSME industry. In subsequent years, this figure is expected to rise. In addition, this will increase available jobs across the country.

"Big businesses start small". Long ago, people used to hesitate to start their enterprises given the high costs involved. However, times have changed, and today you may start your successful business with almost zero money down.

A long-term loan is a kind of credit borrowing that is repayable over a protracted period of time with additional interest and fees. Comparing long-term loans to short-term business loans, long-term loans are more advantageous and are generally favoured by borrowers.

A short-term loan is a type of business loan that can be used to finance transient business needs. Before the loan's term expires, you pay back the principal and interest. The typical loan term for short-term loans is three to five years.

Business loans can often be challenging to obtain and come with tight conditions. But that's precisely what we're here to do; we want to support the expansion of your company. Prepare your business loan application using our detailed instructions to increase your chances of approval.

what a business loan is and all of its advantages, you should consider applying for one. We know you can reach new heights after all. With the help of this business loan, you will be able to overcome any financial obstacles and receive the necessary funding to realise your business idea.

Every component of running the business requires a constant infusion of finances, whether it is for meeting working capital needs,etc. Raising money for a startup can occasionally be a difficult and time-consuming endeavour. To make things easier for you, we have put together a few crucial funding ideas or recommendations that will enable you to obtain credit from reputable financial organizations.

Banks and NBFCs offer business loans with interest rates starting at 16% p.a. for loans up to Rs2 crore that can be repaid over a maximum of 5 years.

A business loan can be used to develop the business, buy new equipment, renovate an existing one, or raise the working capital.

A business loan is borrowed money that businesses use to cover costs they can't afford on their own in the short term.

The latest MSME classification and the MSME business list came into existence to assist firms in receiving government incentives and utilising government operations. If you are a first-timer, you must note that the MSMEs do not all have to be small enterprises.

There appears to be an abundance of viable types of online businesses. The truth is that the Internet has simplified the process of launching a business. You can reach anyone in the globe using only a website.

Term loans are amounts borrowed from banks or other lending institutions with a defined term and easy installment repayment terms. Depending on the terms of the borrower-lender agreement, the loan might last anywhere from 30 days to 30 years. Interest rates on term loans can either be fixed or fluctuating.

A home-based business refers to a small-scale enterprise that can be operated conveniently from your residence. This business model is gaining popularity, presenting numerous benefits in contrast to traditional brick-and-mortar establishments.

Business expansion loans are specialised financing options designed to support businesses in their journey toward expansion. Whether you plan to open new locations, invest in technology, or scale your operations, these loans can provide the necessary funds to turn your dreams into reality.

Writing off the repayment of a business loan may be an elusive goal, but there are legitimate and practical ways to reduce the burden through tax deductions on interest payments. By understanding the eligibility criteria, keeping meticulous records, seeking expert advice, and exploring available government incentives, you can optimize your chances of easing the financial strain.

Loan restructuring involves modifying the terms and conditions of an existing loan agreement. It is typically pursued by borrowers facing financial difficulties, such as payment delays or a significant change in their financial circumstances.

Flexi business loans and term loans are the two most popular choices which act as a potential instrument for offering financial support. But how are these two different from one another?

A business term loan is a longer term loan to a company for a set period, typically between one and ten years. It is often used for long-term capital expenditures like purchasing fixed assets, business expansion, or major projects.