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Borrow for growth, not gaps: a business loan works best when it funds something that earns more than it costs — new stock, equipment or capacity — so the loan pays for itself.
3 quick tips before your call
1
Keep GST returns & bank statements ready. Lenders assess your turnover and cash flow from GST filings and 6–12 months of bank statements. Clean, consistent records get you a higher amount at a better rate.
2
Match the tenure to the purpose. Use a short tenure for working capital and a longer one for equipment or expansion. Longer tenure means smaller EMIs but more total interest — borrow only what the business can comfortably repay.
3
Compare the APR and check for collateral-free options. The APR (rate + processing fee) shows the true cost. Many NBFCs offer unsecured business loans — no asset pledged.
Example: on a Rs 10 lakh loan, a 2% lower APR saves you roughly Rs 30,000–40,000 over 3 years.
