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Business Loans in Hyderabad

Special Schemes for Women Entrepreneurs

As more women step into the world of entrepreneurship, several government loan schemes are available to help them achieve financial freedom.

 

          1. Mudra Loan for Women

 

Mudra Loan for Women is a government initiative aiming to provide financial aid to women entrepreneurs with a business plan for a beauty parlour, stitching shop, tuition centre, etc. It is a collateral-free loan, and you can secure a loan under these categories-

  • Sishu Loan- Maximum loan amount of up to Rs. 50,000 for businesses in the initial stage

  • Tarun Loan- Avail a loan of up to Rs. 10 lakhs to meet the capital needs of your established business

  • Kishor Loan- You can secure a loan ranging between Rs. 50,000 to Rs. 5 lakhs to improve business services

     

          2. Stree Shakti Package

 

Under the Stree Shakti Package, women in rural areas with at least 50% ownership in a business can avail of financial assistance at concessional interest rates.



Purpose of Business Loans

Looking to start your own business in Hyderabad? You can run a successful business and cover all your immediate financial needs with an affordable business loan.

 

          1. Fuel working capital

 

Businesses with a longer sales cycle, high product demand, and manufacturing activities need a constant supply of funds to meet their working capital needs. So for the smooth functioning of business, a working capital loan can help you manage your everyday expenses with ease.

 

          2. Purchase new machinery

 

A business loan can help you introduce the latest machinery and equipment to your business without affecting your liquidity. With the availability of up-to-date machinery, you can meet the market demand for your products in no time.

 

           3. Manage cash flow needs

 

If you're unable to meet your business liquidity and worrying about regular expenses such as rent, overhead costs, utility bills, and more, a business loan from Tata Capital is all you need to ease your worries.

Know more about our offering

Key Features

Loan Amount

₹5,00,000 - ₹75,00,000

Loan Tenure

12 - 36 months

Interest rate starting at

19%

Business Loans in Hyderabad Advantages

Relaxed eligibility requirements

Don’t let financial hurdles stop you from setting up a business in Hyderabad. Get a personal loan easily with Tata Capital, thanks to our minimal eligibility requirements.

Attractive interest rates

Lenders in Hyderabad may offer plenty of business loan offers, but you can get the most savings by choosing a loan offer with lower interest rates. So, turn to Tata Capital and enjoy the most affordable interest rates in the market.

Structured EMI plans

Opt for a lender like Tata Capital offering a business loan in Hyderabad with flexible repayment terms. Have total control over your finances and make your loan repayments easier. 

Simple documentation

Enjoy hassle-free loan processing, thanks to minimal documentation requirements at Tata Capital.

Relaxed eligibility requirements

Don’t let financial hurdles stop you from setting up a business in Hyderabad. Get a personal loan easily with Tata Capital, thanks to our minimal eligibility requirements.

Attractive interest rates

Lenders in Hyderabad may offer plenty of business loan offers, but you can get the most savings by choosing a loan offer with lower interest rates. So, turn to Tata Capital and enjoy the most affordable interest rates in the market.

Structured EMI plans

Opt for a lender like Tata Capital offering a business loan in Hyderabad with flexible repayment terms. Have total control over your finances and make your loan repayments easier. 

Simple documentation

Enjoy hassle-free loan processing, thanks to minimal documentation requirements at Tata Capital.

What are interest rates for Business Loans in Hyderabad?

Your business loan interest rates are directly linked to the EMIs you pay on your business loan every month, such that the higher the interest rate, the higher the EMI repayments.

Naturally, if you want to save money on your business loan repayments, the simplest way is to opt for a business loan in Hyderabad at a low interest rate. Doing this reduces the total money you spend on interest and makes the EMIs more affordable for you. Hence, you must take your time and select a lender offering affordable Business Loans interest rates in Hyderabad.

If you’re looking for affordable interest rates in Hyderabad, turn to Tata Capital. We offer the lowest business loan interest rates in Hyderabad and make loan repayments more convenient for you.

What is the eligibility criteria for a Business Loans in Hyderabad?

The Business Loans eligibility criteria at Tata Capital are as follows.

  • You should be between 25-65 years old.

  • You should have a profitable business for over three consecutive years.

  • Your business should have a positive turnover.

  • Your balance sheet should be audited by a Chartered Accountant.

What are the documents required for getting Business Loans in Hyderabad?

At Tata Capital, we ask for minimal documentation. These include-

  • A photo identity proof

  • Business proof

  • Income Proof

  • Bank Statements

  • KYC documents

How to calculate EMI for Business Loans Online?

EMIs or equated monthly instalments are how you pay off your business loans. This stipulated monthly amount is determined by the loan tenure, the loan amount you take and the interest rate specified by the lender.

Now, knowing your EMIs for your business loan in Hyderabad can help you arrange for finances to pay off the loan on time. So, if you are keen on making loan repayments easier, you must know how to calculate them.

Need help calculating business loan EMI in Hyderabad? Use our Business Loans EMI calculator . Enter your loan details, tenure and interest rate and hit submit. The calculator takes a few seconds and then displays your monthly EMIs on the screen. This way, you will have a clear idea of your interest amount and monthly instalment payable against the principal amount.

HOW TO APPLY FOR A BUSINESS LOANS ONLINE IN HYDERABAD

Other ways to apply for Business Loans in Hyderabad

You can apply for business loan in Hyderabad with Tata Capital in the following ways too.

  • Via phone

Connect with our customer care office via phone by dialing 18602676060, and request a callback.

  • Virtual assistant

Request for a business loan without an online virtual assistant at any time.

  • Offline

Visit our offline Hyderabad branch personally, meet with our lending experts and get a business loan by filling out an offline application form.

Apply for a business loan with us today!

FAQ

A business loan is an unsecured form of credit designed to fund the various capital needs of a business. Using different types of business loans, companies can scale new heights with increased manpower, advanced equipment, and faster turnaround time.

Here’s why our Business Loan is the perfect match for you:

  • We don't ask for any security or guarantor for our Business Loan
  • You get the flexibility of choosing from business loan repayment options
  • For our existing customers, we regularly provide exclusive pre-approved offers on business loans
  • Convenient Online access to all details regarding your business loan.
  • We offer unsecured business loans up to ₹ 75,00,000
  • We seek minimum documentation
  • We give you quick online approval once you share the minimum documents we need

You can repay through Post Dated Cheques, Electronic Clearance Service (ECS) or Direct Debit.

Business loans are available to both professionals and non-professionals that are self-employed. Business loans interest rates are highly competitive and are typically approved quickly. The following types of companies can secure business loans –

  • Sole proprietorship

  • Partnership firm

  • Private limited companies

  • Closely-held public limited companies

  • Societies

  • Trusts

  • Hospitals, nursing homes, diagnostic centres, pathological labs 

A typical structure of a business loan involves a lending institution extending capital to a business owner, for which interest is charged. The business owner must pay back the business loan amount along with the applicable interest, in the form of Equal Monthly Instalments (EMIs), over a predetermined period of time known as loan tenure.

Three core components make up a business loan –

  • Principal amount – Also known as the loan amount, the principal is the sum of money a business owner borrows from a lending institution.

  • Rate of interest – The rate of interest is the cost of borrowing the business loan, generally expressed as a percentage of the principal amount. This is the amount that you need to pay in addition to the principal loan amount.

  • Loan Tenure – The tenure is the period for which the business loan is borrowed. Business loan tenure is calculated from the date of first disbursement till the date of payment of the final disbursement. 

To avail a business loan, one must ideally have a CIBIL score of 700 or above. The same is true for both self-employed professionals such as doctors and engineers as well as self-employed non-professionals such as suppliers or manufacturers.

CIBIL or credit score plays a huge role in determining business loan eligibility. Since a company’s CIBIL score is its credit footprint, it enables lenders to know the timely repayment ability of the business loan applicant. 

Business loans are typically short-term loans. Though business loan tenure may differ from lender to lender, most lending institutions extend business loans for a tenure ranging from 12 months to 36 months. 

Lending institutions offer different types of business loans, designed to meet specific needs. They are as follows –

  • Machinery loans – Machinery loans are designed exclusively to meet the expansion needs of businesses via the purchase of advanced machinery and equipment.

  • MSME/SME loans – Designed to encourage the growth of small and medium-sized business enterprises, MSME/SME loans is a credit facility that can be availed for purchasing equipment, meeting operational expenses, and upgrading infrastructure.

  • Business loans for women – These loans are extended to women business owners to help them expand their business and push them towards financial independence. 

The amount of business loan EMI that you will be required to pay towards the repayment of your business loan will largely depend upon three factors, as given below –

  • Principal loan amount – The higher the principal amount, the higher will be the EMI amount you will need to pay.

  • Rate of Interest – The higher the rate of interest, the higher will be the EMI amount you will need to pay.

  • Loan Tenure – The EMI is inversely related to the loan tenure. The shorter the loan tenure, the higher will be the EMI amount you will need to pay.

    For a quick and accurate assessment of your business loan EMIs, use a handy online tool such as the business loan EMI calculator

You can get a business loan from the lending institution of your choice in a number of ways, depending upon your convenience and the options offered by your lender.

  • Visit a nearby branch

  • Apply online via the lender’s website

  • Talk on call with the lender’s relationship managers

  • Send an email to your lender’s customer support mail address

  • Use the lender’s 24x7 virtual assistant feature

To avail a business loan with Tata Capital, simply apply for a business loan online or call on 1860-267-6060. You can also mail us at contactus@tatacapital.com or visit any of our branches.                     

Yes, just as your CIBIL score has a say in your business loan approval, your repayment of the business loan will affect your future credit score. Timely payment of loan EMIs will pose you as a low-risk borrower in the eyes of future lenders and hence, will enhance your CIBIL score. 

Business loans can be availed for a variety of reasons. You can use different types of business loans to purchase infrastructure for expanding operations, to increase production via the purchase of new and advanced machinery, to purchase and store inventory in advance of seasonal sales, to build a workforce of skilled employees, and to increase working capital. 

Yes, you can get a business loan without any collateral or security. 

You can take an online business loan for your online retail store or e-commerce website. You must fulfil the following criteria for swift online business loan approval:

  • CIBIL score should be above 700

  • Your business must be profitable for three consequent financial years

  • Your turnover must show an upward trend

  • A CA should audit your balance sheet

Business owners have business and personal credit.

Loans for sole proprietorship and partnership businesses are guaranteed by an individual. So, the loan is reflected in your personal CIBIL report. However, if your company’s structure is LLC, then the business loan affects only the business’ CIBIL score. 

Any interest levied on a business loan is exempt from taxation. This is because the interest paid is considered to be a business expense and not revenue. Registering as an MSME can also help you avail of business loan tax benefits on excise and other charges. 

However, the principal amount is not tax-deductible.

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