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Business Loan

Business Loan

Business Loans are financial products that don’t require any collateral or security — also known as unsecured loans. They are specifically designed for self-employed individuals and businesses seeking funds for growth and expansion. Capital Loan & Investment Solutions provides both Business Loans and Unsecured Business Loans in to help entrepreneurs meet their financial goals.

You can use a Business Loan for various purposes, including:

  • Wants to increase stock 

  • Short of working Capital

  • Expanding an existing business

  • Buying Machinery

Typically, a business loan can be availed for up to three years. However, based on your business profile, documentation, and CIBIL score, certain banks and NBFCs may offer an extended repayment period of up to four years.

At Capital Loan & Investment Solutions, we make business financing simple, quick, and transparent helping entrepreneurs access the right financial support to grow their businesses confidently.Great stories have a personality. Consider telling a great story that provides personality. Writing a story with personality for potential clients will assist with making a relationship connection. This shows up in small quirks like word choices or phrases. Write from your point of view, not from someone else's experience.

Great stories are for everyone even when only written for just one person. If you try to write with a wide, general audience in mind, your story will sound fake and lack emotion. No one will be interested. Write for one person. If it’s genuine for the one, it’s genuine for the rest.

Business Loan

Due to the risk inherent for the lending company, because business loans are unsecured, they typically base their ROI and PF calculations on the customer’s entire business profiles. The factor that the lending company, such as a bank or NBFC, takes into account is the customer’s CIBIL score, business profile, current company constitution (a partnership, LLP, limited liability company, or sole proprietorship), well-audited financials, etc.

Feature & Benefits of Business Loan

  • No collateral or security is needed.
  • Fast Processing & Disbursement.
  • Consolidating debt through CC payments or other loan payments reduces greater EMI load each month.
  • Lower rate of interest (ROI) than friends, family, or other money lenders.
  • Dropline Overdraft Facility: Only pay interest on amounts actually used. 

Criteria for Business Loan

  • Self-employed people, business owners, private limited companies, and partnership firms engaged in the manufacturing, trading, or service industries.
  • Those who have been working in the current industry for at least three years.
  • Person must be older than 23 and have a good CIBIL score of 700 or higher.
  • A person must not have missed or delayed payments on any EMIs in the previous 12 months.
  • The tenure varies from one to three years.
  • Loans up to 1 Cr are available without the need for collateral.

 Documents Require for Business Loan

  1. Individual KYC – ID Verification (PAN Card) & Address Verification (Aadhaar Card/DL/Voter ID/Passport)
  2. Business KYC - ID Verification- Pan Card in the Firm's Name & Address Verification - Light bill bearing the company's name.
  3. Business KYC- In the name of the firm or corporation (GST Certificate, MSME Certificate, Gumastadhara) and address proof are required for business registration.
  4. Banking for Businesses: Last 12 months' worth of bank statements for each account (current account, savings account, CC/OD).
  5. Business Financials: Most recent ITR, as well as income calculations, balance sheets, and profit and loss accounts for the last two years, following CA certification or audit.
  6. Most recent ITR, as well as income calculations, balance sheets, and profit and loss accounts for the last two years, following CA certification or audit.