Important Criteria to be Aware of Before Applying for a Business Loan

  • Business Loans
  • 1 Months ago
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Important Criteria to be Aware of Before Applying for a Business Loan

Table Of Content

  1. Introduction
  2. SME loans: What are they?
  3. What are the criteria to consider before applying for a business loan?
    1. Age limits
    2. Analysis of Income statements
    3. Credit analysis
    4. Knowledge of Interest rates
    5. Documentation
    6. Proper design of the business plan
    7. Insurance advantage
    8. Online application
  4. In a nutshell

Introduction

The pandemic taught businesses to give their working capital more attention. In today's environment, every business must prepare for expenditures including inventory, equipment, expansion, marketing and much more. This requires funding. Personal savings are one option. Another option is to avail a business loan. Individuals can go to physical branches or opt for an online business loan. However, like any loan, business loans have terms and conditions. Let's explore the business loan criteria individuals must know before applying for an SME loan.

SME loans: What are they?

SME loans, as their name implies, are designed for smaller and medium-sized enterprises. A business loan is an unsecured loan given by a financial institution to a small business to fund its working capital needs. As per the loan amount requirement of the business, the monthly payments are fixed during the entire loan term. Business loans can have the following benefits for a business:

  1. An advantage of getting a business loan is that the business does not lose control or ownership. A business owner does not have to worry about losing equity when taking out a business loan.
  2. Flexible repayment schedules are another advantage. Business requirements differ. Therefore, lenders provide the option of tailored business loans, including amount and tenure based on the business's needs. For example, if an individual meets the Shriram city business loan eligibility and criteria, then he/she can benefit from the flexible repayment tenure varying from 12 to 36 months, as per their profile.
  3. Businesses need to have access to funds continuously at different stages. A business loan can help them get this funding quickly. Compared to raising funds from venture capitalists, the disbursement process is easier and faster. It is possible to receive the loan approval within 24 hours in some cases.
  4. In today's market, many financial institutions offer SME loans. This allows borrowers to take advantage of competitive interest rates. A good example of the same is the Shriram City business loan interest rate. In addition, borrowers can select from a range of loans that match their needs.

What are the criteria to consider before applying for a business loan?

The application for a business loan is approved quickly if the borrower meets the eligibility criteria and provides the necessary documentation. A primary rule is that the loan taken must be utilized for business only and not for any other purpose. The following are important things borrowers should know before applying for a business loan:

  1. Age limits

    It is a common business loan criteria for lenders. Every company has its minimum and maximum age limits for availing loans. Financial institutions and other lenders will ask for proof when applying for a business loan. According to the Shriram City business loan eligibility and criteria, the minimum and maximum age requirements are 23 and 65 years old, respectively.

  2. Analysis of Income statements

    Next, lenders make sure the borrower has good financial standing. Organizing the business statements and financial accounts in advance is therefore advisable. These are checked to ensure that the borrower has sufficient funds to repay the borrowed amount without defaulting. Additionally, the borrowers need to declare any prior loan commitments also while applying for a loan.

    Self-employed borrowers, professionals, partnerships, and private limited companies may be subject to different checks. 

    The following income requirements apply to Shriram City loans:

    1. For self-employed individuals - Minimum annual turnover of Rs 10 lakhs or more.
    2. For professionals- Minimum annual turnover of Rs10 lakhs or more.
    3. For sole proprietorship or partnerships or private limited companies- Minimum annual turnover of Rs20 lakhs or more.
    4. The business needs to be in operation for more than 3 years.
  3. Credit analysis

    The creditworthiness of a borrower is based on his prior experiences with loan repayments and whether he has defaulted on any of them. All lenders check this criterion before granting a loan. To qualify for their preferable loan amount and other terms and conditions, borrowers need to maintain a good credit rating. A healthy credit score also represents the financial discipline of the borrower.

  4. Knowledge of Interest rates

    With the economy growing and multiple lenders on the market, borrowers can get attractive interest rates if they do their research properly. It all depends on the EMIs which a borrower can afford. The Shriram City business loan interest rate is one such example of attractive interest rates. Its interest rates begin at 15% and vary for SMEs, MSMEs, and other terms.

  5. Documentation

    The lender will ask for the proof of all the information submitted by the borrower before approving the loan. Here is a list of general documents required for a business loan application.

    1. Personal KYC documents like Aadhaar card and PAN.
    2. Valid address proof like Passport, driving license, or gas bill.
    3. 2 recent photographs
    4. Proof of Income
    5. Business registration certificate and PAN
    6. Last 6 months bank statement of current account
  6. Proper design of the business plan

    For a business loan to be approved, the purpose must be clearly defined. It will include everything from the amount needed to the purpose of the funds and how the business plans to repay them. It is, therefore, necessary to prepare a business plan that shows the strengths of the company. Among these are target markets, credentials of the key management overseeing the project, industry data, and more. This information helps lenders determine the risks associated with the business.

  7. Insurance advantage

    Since the pandemic, everyone has understood that life is uncertain, including financial institutions and other lenders. Thus, before granting a loan, they check if the borrower has insurance. The insurance cover reduces the risk of the lender recovering the amount in case of any unfortunate incident.

  8. Online application

    Another thing that borrowers should know is that in this digital age, they can apply for an online business loan. Borrowers can check their eligibility easily, submit the necessary information, and then quickly find out how much they can borrow and what their interest rate will be. Now, to apply for business loans online you will require computer knowledge. For this, many companies even offer the facility of online consultants.

In a nutshell

Having read the above article, you will have a good idea of the important business loan criteria to consider. Unlike before, securing loans is not a taboo, but an asset for the growth of the business. However, it is still a debt and the borrower needs to maintain financial discipline. To remove your financial worries and apply business loan applications conveniently, you can always consult a financial advisor.

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  • Business Loans

What collateral do you need to provide for a gold loan?

  • Apr 28 2021
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  • Gold Loan

What Is a Business Loan and Why You Should Avail It

  • Apr 26 2021
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  • Business Loans

Why is a Fixed Deposit the Desired Form of Investment for Traditional Indians?

  • Oct 20 2021
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  • Fixed Deposit

What Are the Different Types of Business Loans Offered by Shriram City?

  • Jun 28 2021
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  • Business Loans

What are the Various Installment Frequencies and Payment Methods available for Recurring deposits(RD)?

  • Jul 30 2021
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  • Recurring Deposit

Keep These Things In Mind Before Apply For A Two Wheeler Insurance Loan

  • Oct 20 2021
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  • Two Wheeler Loans

What are the various modes of payment that I can use to invest in Shriram City?

  • Jun 29 2021
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  • Fixed Deposit

What makes a fixed deposit different from a recurring deposit

  • Jul 08 2021
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  • Recurring Deposit

Simple Bike Financing with Zero Down Payment

  • Dec 03 2021
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  • Two Wheeler Loans

Financial Advantages of Obtaining a Loan against Gold

  • Dec 02 2021
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  • Gold Loan

What kind of businesses are eligible for a Shriram City business loan?

  • Jun 24 2021
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  • Business Loans

How to choose your business loan online based on interest rates

  • Dec 07 2021
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  • Business Loans

What are the most attractive features of the Shriram City Recurring Deposit?

  • Jul 16 2021
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  • Recurring Deposit

How To Allocate Funds Efficiently After Receiving an SME Loan?

  • Oct 20 2021
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  • Business Loans

How to get Instant approvals on Bike Loan

  • Dec 03 2021
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  • Two Wheeler Loans

What makes Shriram City Union Finance better than other banks in India

  • Sep 06 2021
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  • Fixed Deposit

Important Things to Keep in Mind While Applying for a Gold Loan

  • Dec 06 2021
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  • Gold Loan

What is your money worth: A blog about understanding FDs and how you can make the most of them

  • Sep 03 2021
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  • Fixed Deposit

Understanding Principal And Tenure Of An SME Loan

  • Oct 19 2021
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  • Business Loans

How can Students Apply for Two-Wheeler Loans in India?

  • Dec 01 2021
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  • Two Wheeler Loans

What are the Opportunities for AI in the Financial Sector?

  • Aug 17 2021
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  • Loans

How to Optimise Your Investments in Fixed Deposits

  • Dec 02 2021
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  • Fixed Deposit

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

  • Dec 04 2021
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  • Gold Loan

Overcome these common challenges while applying for a business loan online

  • Dec 07 2021
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  • Business Loans

Everything You Should Know About Two Wheeler Loan

  • Aug 24 2020
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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

10 Things To Know About Two Wheeler Loans Post Pandemic

  • Jan 20 2022
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  • Two Wheeler Loans