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Business Loans in Jodhpur

Special Schemes for Women Entrepreneurs

A new generation of women entrepreneurs is actively exploring business opportunities in different industries like beauty, travel, IT, food, and more. To ensure easy availability of finance for their growing business, the government offers several loan schemes.

 

          1. Udyogini Scheme

 

Partnered with the government of India, the Women Development Corporation aims to promote women's entrepreneurship with financial support. Small businesses in the retail and agriculture sector can avail a loan of up to Rs. 1 lakh at affordable interest rates.



          2. Trade-Related Entrepreneurship Assistance and Development Scheme

 

Running a successful business not only requires adequate financial backing but needs certain expertise to grow a competitive venture. To achieve this, the Trade-Related Entrepreneurship Assistance and Development Scheme offers financial and training assistance to women entrepreneurs.



Purpose of Business Loans

A business loan is the best way to meet all your urgent financial needs in a growing city like Jodhpur. No matter which industry you're in, a business loan can be used for several purposes-

 

          1. Establish new business

 

If you have a solid business idea for a successful venture in Jodhpur, a lack of funds shouldn’t come in your way. At Tata Capital, you can get an affordable business loan to turn your business idea into reality without worrying about your capital needs.



          2. Manage seasonal business

 

Many small businesses face the challenge of managing a seasonal business with fluctuating market demand. During peak seasons, maintaining business liquidity is easier said than done. In such a case, a short-term business can help you meet the market demand with ease.

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 Jodhpur Advantages

Avail funds when you need them

Sometimes, business opportunities don't knock twice. When you apply for a business loan in Jodhpur, you don't have to wait too long for disbursal. We take only a few working days to process, sanction, and disburse the required funds. 

Flexibility of use

Taking a business loan in Jodhpur comes with ample flexibility. Whether you need to finance business expansion, buy the latest machinery, or hire new employees, it can cover all the expenses.

Higher loan amount

No matter how big a business loan amount you need, we have you covered. You can qualify for a loan of up to Rs. 75 lakhs without pledging collateral.

Avail funds when you need them

Sometimes, business opportunities don't knock twice. When you apply for a business loan in Jodhpur, you don't have to wait too long for disbursal. We take only a few working days to process, sanction, and disburse the required funds. 

Flexibility of use

Taking a business loan in Jodhpur comes with ample flexibility. Whether you need to finance business expansion, buy the latest machinery, or hire new employees, it can cover all the expenses.

Higher loan amount

No matter how big a business loan amount you need, we have you covered. You can qualify for a loan of up to Rs. 75 lakhs without pledging collateral.

What are Interest Rates for Business Loans in Jodhpur?

Various factors determine the interest rate on a business loan in Jodhpur. These usually include your business cash flow, profitability, financials, business plan, annual turnover, business vintage, and more. Your business credit score also plays a critical role in demonstrating your ability to repay the loan. As a result, the higher the score, the lower the interest rate you can get on the loan.

If you are searching for competitive Business Loans interest rates in Jodhpur, you've come to the right place. At Tata Capital, you can avail of a business loan at 19% ROI and pay back the sum in convenient EMIs.

So, take advantage of the lowest business loan rates in Jodhpur with Tata Capital and fund your dream venture. 

What is the Eligibility Criteria for a Business Loans in Jodhpur?

Here are the Business Loans eligibility criteria followed at Tata Capital.

  • Age should be between 25 to 65 years

  • CIBIL score must be 700 or more

  • Candidate should own a business at least profitable for three successive financial years

  • The business turnover must display an upward trend

  • Your balance sheet be audited by a registered Chartered Accountant (CA)

What are the Documents required for getting Business Loans in Jodhpur?

Here are the document proofs required for getting a business loan in Jodhpur.

  • Last six months’ company bank statements

  • Last two years' Income Tax Returns

  • Last two years' balance sheet and Profit & Loss accounts

  • KYC documents of the company

  • KYC documents of the business owners

  • A report with detailed information about how the candidate will utilise the Business Loan

  • Photo identity proof (Aadhar card/ Driving license/ Voter ID/ Passport)

  • Bank statements

  • Business proof

How to Calculate EMI for Business Loans Online?

Before you borrow a business loan in Jodhpur, make sure to check and understand your EMI obligations for the entire loan tenure. 

Business loan EMIs comprise two components. There is the principal component and the interest component. You can use a business loan EMI calculator to compute the monthly instalments you will be paying over the course of the loan tenure. You just need to input the loan amount, tenure, and interest rate.

Unlike manual estimations, a Business Loans EMI calculator is fast and accurate. This way, you will know the total payable business loan EMI in Jodhpur well in advance and plan your finances based on your needs.

HOW TO APPLY FOR A BUSINESS LOANS ONLINE IN JODHPUR

Other ways to apply for Business Loans in Jodhpur?

You can apply for business loan in Jodhpur in multiple ways.

  • Apply through the phone

Give us a call at 1860 267 6060, and our representative will help you out with the application process.

  • Visit the nearest branch

Directly walk into any one of the Tata Capital branches and fill out the application form in person.

  • Seek virtual assistance

Use our loan processing virtual assistant to apply for a business loan.

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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