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Business Loan with Hybrid Term Loan benefits

Business Loan with Hybrid Term Loan benefits

Overview

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Overview Required Documents Rates & Charges EMI Options

What is a Business Hybrid Term Loan benefits?

A business loan allows you to avail of finances for the working capital requirements of your business. However, if you’re unsure of the total loan amount that you may need for your business, you can avail of a Hybrid Term business loan. A business Hybrid Term Loan allows you to borrow funds from a pre-determined loan amount for your emergency business requirements.

With Tata Capital, you can get an Hybrid Term Loan for business of up to Rs. 90 lakhs at an affordable interest rate. You can withdraw funds from this business Hybrid Term Loan amount based on your requirements, and the interest would be charged only on the amount used by you. You can apply for a business Hybrid Term Loan by submitting minimum documents through an easy online process.

Loan Amount

₹ 40,000 to ₹ 90 Lakhs

Loan Tenure

12 months to 60 months

Interest rate starting @

12% p.a.* onwards (professional),

14% p.a.* onwards (non-professionals)

View Rates & Charges

Advantages of Business Hybrid Term Loan

A High Loan amount

By availing of Tata Capital’s Hybrid Term Loan for business, you can get a loan amount of up to Rs. 90 lakhs. You can withdraw from this loan amount anytime to meet the urgent financial requirements of your business.

Flexible Tenure

You can choose to repay the amount you borrow from your business loan Hybrid Term Loan amount in a convenient repayment tenure. Our business Hybrid Term Loan tenure may range between 12 months and 60 months.

Fixed Cum Hybrid Term Loan

At Tata Capital, we provide a fixed-cum-dropline business Hybrid Term Loan. This will help you in reducing your overall borrowing costs. By getting a fixed line facility of up to 24 months, you can pay only the interest amount during the fixed line period.

No Collateral Required

We won’t ask you to submit any additional collateral or security for providing you with a business Hybrid Term Loan. You can get an Hybrid Term Loan for business without putting your valuable assets on the line.

Quick Approvals and Faster Disbursals

We provide quick approvals for Hybrid Term business loan applications. It means that you don’t have to wait for long to get access to your business’ working capital. Moreover, we ask for minimum documentation for providing an Hybrid Term Loan for business.

Why Should You Apply for a Business Hybrid Term Loan?

You can apply for business Hybrid Term Loan from the convenience of your home or office. Here are a few reasons why you should take an Hybrid Term Loan for business:

Flexibility to Withdraw and Repay

By availing of a business Hybrid Term Loan, you will have the flexibility to withdraw funds from a fixed loan amount of up to Rs. 90 lakhs. You can withdraw any amount from this loan amount and for any number of times during the tenure of your Hybrid Term Loan for business.

Save Interest Cost

When you withdraw funds from your business Hybrid Term Loan amount , the interest would be charged only on the amount drawn by you and not on the entire loan amount . Your interest will be calculated daily, but you’ll have to pay it only after the end of every month.

No fixed EMI and Prepayment Charges

With an Hybrid Term Loan for business, you won’t have to face the hassles of paying fixed EMIs every month. Moreover, you can make prepayments on your Hybrid Term Loan business loan account any number of times without incurring any prepayment charges.

Virtual Loan Account

You can withdraw and deposit funds from an easy-to-operate virtual loan account. This will act like a current business account and will be based on an online model.

What are the Eligibility Criteria for a Business Hybrid Term Loan?

At Tata Capital, we ask only for some basic documentation and simple eligibility requirements for providing an Hybrid Term Loan for business. Below are our business Hybrid Term Loan eligibility criteria that you need to fulfill:

Your age should be at least 21 years at the time of loan application and a maximum of 65 years at the time of last EMI

Your business must be profitable for at least the last three financial years

Your business turnover must indicate an upward trend

Your balance sheet must be audited by a registered Chartered Accountant

Please note that we may ask for some other eligibility requirements as well.

How to Apply for a Tata Capital Business Hybrid Term Loan?

Branch

You can visit your nearest Tata Capital branch and get in touch with one of our executives there. They will guide you through the entire application process

Locate a Branch

You can apply for business Hybrid Term Loan with Tata Capital in any of the following ways:

Online

You can apply for a business Hybrid Term Loan online from the convenience of your home/office

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Virtual Assistant

You can take the help of our virtual assistant TIA, to apply for the loan anytime and from anywhere

Over the Phone

You can call our customer care number at 1860 267 6060 between 9 am and 8 pm on Monday to Saturday to apply for an Hybrid Term Loan for business through your mobile phone

Request a call back

Avail TATA Capital loans directly from WhatsApp

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What our customers say about us

Good service. We received solutions against our query. No suggestions.

AADISH IMPEX PRIVATE LIMITED .

Business Loan | 18 Jun, 2025

All services is good. Please continue with such dedication.

KABYASHRI SONOWAL

Business Loan | 17 Jun, 2025

Good and prompt reply to our queries by telephone and email.

HINDUSTAN VIBROTECH PRIVATE LIMITED .

Business Loan | 16 Jun, 2025

Fully co-operative. Thank you very much for your support till date.

RAJENDRAKUMAR PANCHAL

Business Loan | 07 Jun, 2025

Best service ever. Thank you so much for helping me and also understanding my situations. Thank you once again all Tata family.

NAEEM KAMRUDDIN MOMIN

Business Loan | 05 Jun, 2025

I am very happy, satisfied, and special thanks for helping me.

YOGESH SAGAR

Business Loan | 22 May, 2025

Very good interactive mobile app. Excellent service.

ABC DESIGNS

Business Loan | 22 May, 2025

As far as I am concerned, I found your services up to the mark—no delays and no problems at the time of documentation. It was a good experience.

URMIL NIGAM

Business Loan | 14 May, 2025

Your service is good. All staff are good. In the future, I will definitely take a loan from Tata Capital. Thanks for your support.

HEMAL PRAKASH MEHTA

Business Loan | 11 May, 2025

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Popular FAQs

Depending on the kind of business, you may need money in the short term or for an emergency. During such cases, it might be difficult to avail of a loan quickly. This is when an Hybrid Term Loan can be beneficial as it gives you the flexibility to get money fast.

The maximum Hybrid Term Loan amount depends on the financial health of your business. Factors such as account balance and relationship with the lender all constitute your maximum amount. Thus, maintaining solid financial health can give you a better amount on these amounts.

The Hybrid Term Loan interest rate is the interest charged for your Hybrid Term Loan procedure. This interest rate is also charged only for the number of days the loan is withdrawn and is determined by the average daily balance.

Only your needs will determine if an Hybrid Term Loan is a good idea. If it helps you meet your short-term plans without compromising your financial health, it can be an excellent idea.

Extra charges for extending amounts and variable interest rates can get expensive are all risks Hybrid Term Loan pose. It is a good idea to determine how much money you need to make use of an Hybrid Term Loan in the best way possible.

Lenders charge you if you exceed Hybrid Term Loan amounts , and repayment of your Hybrid Term Loan can be asked anytime. These drawbacks can be tough to handle if you don’t plan your finances well.

The best method is to request your lender to reclaim the money. While this may not work every time, lenders might understand if it’s a one-time occurrence or if you have a genuine reason.

There are two types of Hybrid Term Loan called authorized and unauthorized. The first one is an advance arrangement between the lender and the consumer, while the second one is an arrangement without any authorisation on Hybrid Term Loan amounts.

The Hybrid Term Loan policy specifies the type, amount , interest rate and other factors between the lender and the consumer. This policy clearly mentions all the dos and don'ts for you to abide by.

Hybrid Term Loan amounts are set in place as a safety measure by the lender. It can also provide a safety net for you to spend money within a certain amount.

The amount (loan) for an Hybrid Term Loan is calculated based on the financial health of your account. Based on your transaction history, debts, stability, etc., the amount is calculated. Thus, ensure you have a good check on your overall financial health before approaching a lender for an Hybrid Term Loan.