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Every business requires capital to keep it afloat and for the day-to-day activities and requirements of the business. There aren't too many stark differences between a business loan and an SME loan. However, a business loan is typically to start the business and to grow it from the bottom up. An SME loan, on the other hand, is to provide entrepreneurs with the finance to grow and expand their existing business. The interest rates for both the loans differ from bank to bank and depend on the...
Starting your own business gives you the power to turn all your ideas into reality. The businessman puts all his ideas into practice without worrying about someone shouting at him. It is undoubtedly one of the best feelings in the world. That said, the businessman also does everything to get the business running successfully, including investing all his savings into the business venture. However, after some time, a stage comes where all the savings exhaust and there is a need for urgent funds....
When we think about starting a small business, the next think that come to our mind is how and where can we raise the money to finance our startup? Many entrepreneurs sort out to loans as their only means to get funds for their small business startup. Getting a loan as an entrepreneur or a small business loans hasn’t always been easy. Big banks generally won’t give you loan and small community banks that usually care and support small businesses have greatly cut off such help since...
Running a business is a challenging but rewarding experience. The individual running a business is his boss, can take all decisions, and perform the tasks the way he likes. He also manages multiple tasks, travels extensively, and also arranges for required money. During the initial period, he arranges for money from his savings to get the business started. But later his funds begin to dry up. He is forced to seek an external source of funding to keep the business run smoothly and...
The loan is a financial instrument often obtained by the individual or an entity to meet their financial needs. In this, the lender lends some amount with the intent that the borrower will pay back the amount in a fixed instalment, within a fixed period. The monthly instalment is  called as EMI. The acronym ‘EMI’ stands for equated monthly instalments that the borrower pays upon obtaining the loan. It consists of the principal amount as well as the interest component on the...
  The Government of India has focused on the women empowerment and now has moved one step ahead and launched various schemes for them to start up a new business or can expand the existing one. These initiatives will help them to solve the financial crunch because the basic need for any business is the capital and if the same is in deficit in nature, then it won’t be possible to start up a new business. Hence, Government schemes enable women to utilize their skills in their...
In pursuit of implementing expansion projects and meeting growing customer demand, or maintaining cash flow into the business, you require a revenue. A small business loan can be a great option to help you expand your business, buy new equipment, to start a marketing campaign or to even help with your working capital needs. Almost all major Non-Banking Financial companies (NBFCs) offer special business loan schemes in India with attractive options to help you with each and every business need...
With the big number of businesses going under as a result of heavy debts, does your business need a loan? Well, Yes and No. Yes, you need a loan if you need the money for the right reasons and if you can repay the money and No, if the loan will only worsen things or if you don’t have a tangible reason for getting the loan. This article will focus on the upside of getting a business loan because you’ll need a financial boost if your business is ready to take a leap.    ...
Every startup business needs a certain amount of money to start and to keep it running. This is the sole obligation of the entrepreneur to figure off out where and how to get enough funds. Normally, the bank is the first organization he thinks. Banks are always among the first organisations to be reached for funds in the form of a loan. Other organisations that can be approached are credit unions, cooperatives, “Njangi” houses etc. It is at the point of bank loan that entrepreneurs...
An important element to the economic recovery is improving small business loan start up because of their wonderful contributions to the increasing economy. In the society small businesses employ more than half of the private sector workers, there by generating more than half of net new jobs annually over the past decade. Let’s not forget they have created more than half of the non-farm gross domestic product in business. A reason why most country governments do see on the adjustment and...
There are numerous best business loan companies operating in the country. All these companies offer different loan products which they claim to be the best ones in the market. However, there is no as such a universal best loan product or loan provider in India. Every business owner has a different requirement to fulfill from the loan product and the best option for them would be one that fulfills all their needs and requirements. So, the top small business lender would be the ones who are able...
A business loan or MSME loan is the financial products which are sanctioned by financial institutions, such as banks and NBFCs. The loan is sanctioned for a variety of purposes. Their repayment tenure and rate of interest varies from one lender to another. The loan amount helps the small business owners in efficient business operations and realise the organisational goals without putting too much stress on the liquid funds or working capital. Business loans can be repaid in easy EMIs. So, the...
Are you in a fix between a personal loan vs gold loan? Then, you are not alone. Many people who are in a quick need of money may be confused between a personal loan vs gold loan. Thus, if you urgently need some money and in a fix when it comes to choosing a mode to help you, then here is a quick post that can help you. Read on! Gold loan and a personal loan online facility are two leading and suitable financing solutions when you need money super quick. However, you should go through both of...
You have been making a lot of effort in researching the car you want to buy. Different brands, models, performance, there are so many factors to consider before buying a new car. But do you know, what all things you need to know before availing a loan for your new car?     As important as it is to look in detail the performance of the car you are going to buy, it is equally important that you understand the basics of applying for a car loan. Read below to...
If you are looking to buy something expensive and are in a dilemma about going ahead with a personal loan or a credit card, well, both have their pros and cons. A personal loan might be the right choice in some case and the credit card in others. It totally depends on the amount you need and the duration you need to pay it back. What is a Credit Card? A credit card is a finance option which lets you borrow a certain amount from the bank and pay it afterwards. It generally has a high-interest...


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