Business Loan:- Five problems, One solution

  • Business Loans
  • 6 Months ago
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Business Loan:- Five problems, One solution

Introduction

Recently, the market witnessed the birth of many start-ups and small business entrepreneurs. Owning a business is exciting, but any business requires funding to get started and survive. There are multiple expenses associated with the operation of a business, including inventory, working capital, human resources, and daily expenses. An entrepreneur can't rely solely on savings. Additionally, SMEs in rural or backward areas won't have such capital.

Hence, an optimal solution in such situations is to get an SME loan. SME loans, or small and medium enterprise loans, are designed to assist small- and medium-sized businesses with their financial needs, to run and grow their operations. This article discusses SME problems and how an SME loan can be the perfect solution.

SME loan: What are its features?

Under the MSMED Act, 2006, SME loans can be granted to certain types of enterprises that fall under the definition of small and medium enterprises based on annual turnover and investment in machinery and equipment.

Following are the threshold limits:

Particulars

For Small enterprise

For Medium Enterprise

Investment threshold

Between Rs 1 crore and Rs 10 crore

Between Rs 10 crore and Rs 50 crore

Turnover threshold

Between Rs 5 crore and Rs 50 crore

Between Rs 50 crore and Rs 250 crore

Additionally, SMEs can obtain financing by using easy online business loan facilities offered by several lenders.

The following are the features of these loans:

  1. Small business loans are chiefly economical, with affordable interest rates. In addition, entrepreneurs do not have to pay a prepayment penalty, if they decide to pay off the loan early.
  2. Another feature of these loans is that they are usually unsecured. In other words, the small business owners do not need to provide any collateral or security for the loan.
  3. One of the eligibility criteria of business loan requirements is documentation. Due to the absence of collateral requirements, documentation is often minimal. It varies from one lender to another. Many banks require GST, Income tax returns, and financial statements for a couple of years.

Why do you need a business loan?

While running a small business, every SME faces some challenges. Listed below are some issues and how a business loan can help solve them:

  1. Limited capital

    A start-up or small business has many things to consider, from customer demand to marketing to future financing, and more. A quick cash flow is important to meet these requirements. Insufficient working capital at the right time can affect an organization's ability to continue operations. An SME loan could help an organization deal with this issue. As there is minimal documentation, the loan approval process is quick. Furthermore, taking out a small business loan can build up their credit for future financing needs, as long as the repayments are made on time. SMEs can also calculate the repayment schedule suitable to them, using a business loan calculator, and then apply for a suitable SME loan.

  2. Limited revenue

    Liquidity and a positive cash flow are essential for a business to run smoothly. There may be issues with funds being blocked due to unused inventory or pending payments. Nevertheless, businesses have fixed costs such as rent, utilities, and employee salaries and thus need funds. In such situations, SMEs can apply for working capital business loans. When their profits are low or inconsistent, they will meet their short-term costs this way. Further, they will not need to draw from their emergency funds.

  3. Employee Retention

    It's difficult for a business that's new or hasn't established itself in the industry to attract the right kind of talent and levels of experience. The business needs to invest in marketing and advertising to obtain better-experienced skill. Additionally, it is critical, regardless of the size of the business, to ensure employee satisfaction and that they feel valued and appreciated. They must invest in employee benefits like paid leaves and insurance policies. Small business loans allow borrowers to use the money as they see fit. Furthermore, they get capped interest rates as well as the flexibility of repayment periods.

  4. Expansion

    Every business aspires to expand its geographic reach, attract new customers, and boost revenues. The manufacturing businesses must also invest in updated technology and equipment to stay in trend, and avoid high maintenance costs and a poor production cycle. Such investments not cheap. SMEs can obtain equipment financing business loans to purchase or upgrade their existing machinery. In addition to staying competitive, it saves enterprises money on taxes. The interest paid on such loans is deductible.

  5. Fear of losing control

    The venture capitalists or outside investors usually request certain equity in return when raising funds. SME loans, however, do not require letting go of equity ownership. Most SME loans do not require collaterals. Therefore, when a small business needs to pay off any debts, it should calculate the required amount using an online business loan calculator, and choose an SME loan accordingly.

In a nutshell

Having read the above article, you will better understand how an SME loan can help solve many of your business's problems. Small businesses must use their limited resources effectively and seek assistance in a financial crisis. Small business owners verify their eligibility criteria as well as apply for a business loan online. The application, approval, and fund disbursal in an online business loan is quick and hassle-free.

For competitive reasons, many lenders are even offering low-interest rates, along with other benefits. If you have any doubts, you should always consult a financial advisor.

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  • Loans

How is new technology helping NBFCs evolve?

  • Aug 18 2021
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  • Loans

Are the Interest Rates the Same Whether You Choose the Cumulative or Non-Cumulative Option?

  • Jul 08 2021
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  • Fixed Deposit

Financial Advantages of Obtaining a Loan against Gold

  • Dec 02 2021
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  • Gold Loan

Two Wheeler Loan Repayment Plans and Options

  • Feb 26 2021
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  • Two Wheeler Loans

How can students save money every month and get the highest return?

  • Dec 09 2021
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  • Recurring Deposit

Is it possible for a minor to open an RD in Shriram City?

  • Jul 23 2021
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  • Recurring Deposit

Simple Bike Financing with Zero Down Payment

  • Dec 03 2021
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  • Gold Loan,Loans

Loan For Women Entrepreneurs

  • May 23 2022
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  • Loans

Integration of the Use of AI in Finance

  • Aug 18 2021
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  • Loans

Which Fixed-Income Investment Is Best for You Is Determined by Your Time Scale

  • Jan 25 2022
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  • Fixed Deposit

Reasons and Benefits of Owning a Two Wheeler in City

  • Jul 28 2021
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  • Two Wheeler Loans

The Only Guide You Need To Getting A Loan Against Gold Jewellery

  • Dec 04 2021
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  • Gold Loan

Your One-stop Guide on Delay or Defaulting on Loan EMIs

  • Apr 02 2021
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  • Two Wheeler Loans

Why should I invest in Shriram City's recurring deposit?

  • Jul 19 2021
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  • Recurring Deposit

Is It Possible For a Single Customer in Shriram City to Invest in Both FDs and RDs From the Same Account?

  • Jul 21 2021
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  • Recurring Deposit

Why Is a Good CIBIL Score Vital For Achieving Business Goals?

  • Aug 02 2021
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  • Business Loans

Choose Your SME Loan As Per Your Requirement

  • Oct 26 2021
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  • Business Loans

Most Relevant Senior Citizen FD Rates and Schemes

  • Nov 30 2021
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  • Fixed Deposit

How Does An SME Loan Help In Business Growth And Expansion

  • Oct 25 2021
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  • Business Loans

Benefits of Taking Loan for Two Wheeler

  • May 22 2021
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  • Two Wheeler Loans

Why are SME Loans Crucial for Your Company's Growth?

  • Jan 20 2022
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  • Business Loans

How can Investments in Fixed Deposits Help for Retirement?

  • Oct 21 2021
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  • Fixed Deposit

Who Should Consider Investing in a Recurring Deposit?

  • Jul 20 2021
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  • Recurring Deposit

Is there any TDS on Recurring Deposits?

  • Jul 30 2021
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  • Recurring Deposit

AI Resolution In Lending: Hype Or Reality?

  • Aug 17 2021
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  • Two Wheeler Loans

Are recurring deposits covered by insurance?

  • Jul 15 2021
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  • Recurring Deposit

Is it possible to set up a recurring deposit online?

  • Jul 30 2021
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  • Recurring Deposit

How Does My Personal Credit Affect My SME Loan?

  • Oct 19 2021
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  • Business Loans

Premature Withdrawal of Recurring Deposit

  • May 23 2022
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  • Recurring Deposit

Bike Buying Guide: Factors to Consider While Buying Bike

  • Feb 27 2021
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  • Two Wheeler Loans

Why You Should invest More Time on Recurring Deposit

  • Feb 05 2022
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  • Recurring Deposit

Advantages and Disadvantages of Recurring Deposit Account

  • May 23 2022
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  • Recurring Deposit

Recurring Deposit : - Five problems, one solution

  • Feb 04 2022
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  • Recurring Deposit

Tips for Students and Professionals on Recurring Deposits

  • Dec 10 2021
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  • Recurring Deposit

7 Up-and-Coming Trends About Recurring Deposit

  • Feb 04 2022
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  • Recurring Deposit

Is investing in Corporate FDs a good option to build your corpus?

  • Nov 25 2021
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  • Fixed Deposit

How flexi recurring deposit offers complete flexibility

  • Nov 30 2021
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  • Recurring Deposit

Recurring Deposit : Expectations vs. Reality

  • Feb 05 2022
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  • Recurring Deposit

10 Things Your Kids Don't Know About Recurring Deposits

  • Jan 21 2022
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  • Recurring Deposit

Get started with minimum investment on recurring deposit

  • Nov 29 2021
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  • Recurring Deposit

Why‌ ‌are Recurring‌ ‌Deposits‌ ‌helpful‌ ‌to‌ ‌small‌ ‌businesses?‌

  • Jan 24 2022
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  • Recurring Deposit

Understanding Principal And Tenure Of An SME Loan

  • Oct 19 2021
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  • Business Loans

How To Allocate Funds Efficiently After Receiving an SME Loan?

  • Oct 20 2021
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  • Business Loans

Loan against FD

  • May 23 2022
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  • Fixed Deposit