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Tata Capital Business Loan - Features & Benefits

One of the greatest challenges for budding entrepreneurs or small business owners is getting funds to meet the working capital gap and take their business to the next level. And obtaining a business loan can exponentially boost their business prospects. But to get the maximum financial benefits, one must choose the right kind of loan for their business funding. You can avail Tata Capital business loans for funding requirements, business expansion, raw material purchase, etc. that come with following features.

a. Multiple Loan Programs
With Tata Capital Multiple Loan Programs for business finance, you can acquire the necessary funding to sustain in this competitive world. These loan programs are assessed by an expert team based under turnover, cash profit and banking. The loan programs are even available for qualified medical doctors.

b. Transparent Interest Rates
Business loan interest rates are based on diverse factors such as credentials of the borrower, cost of funds, loan tenure and market dynamics. Interest rates offered by Tata Capital are transparent adhering to the best market practices.

c. Flexi EMIs
A one-of-a-kind product offer from Tata Capital, Flexi EMI option enables you to customize your loan repayment as per your convenience. You get to choose a repayment plan that suits your cash flow. These Flexi EMI plans include:

  • Step Up Flexi EMI Plan - With this plan, you can increase your fixed monthly EMIs each year to meet the profit increment.
  • Step Down Flexi EMI Plan - This option allows you to lower your EMIs gradually, as your business starts making more profit, in order to repay your loan faster.
  • Bullet Flexi EMI Plan - In this option, you can repay your loan periodically to significantly lower your EMI.

d. Hassle Free Loan Disbursement
Commercial loans offered by Tata Capital are usually approved within 3 business days after a duly-filled loan application and all documents are submitted.

Advantages and Types of Business Loans
Acquiring a business loan can solve many financial problems that business owners face in the extremely competitive world. However, it is imperative for you to do your research prior to applying for a commercial loan as there may be some hidden costs associated with it. At Tata Capital, we believe in complete transparency and to help you make an informed decision, we have put together the advantages and types of business loans we offer.

Business Loan Advantages
With Tata Capital loans for business, you can leverage the following benefits:

  • No Guarantors and No Collaterals - Our business finance options enable you to avail a loan without any guarantor or collateral.
  • Flexi EMI Options - At Tata Capital, you get the flexibility of choosing from three different repayment options: Step Up, Step Down and Bullet as per your cash flow.
  • Pre-approved Offers - For existing customers, we regularly provide exclusive pre-approved offers on business loans as per their eligibility.
  • Online Account Access - Every information regarding your loan can be conveniently accessed online. You can keep a check on interest certificate, repayment track, payment schedule etc. simply by logging in on our website using your loan account number.

Business Loan Types
There are three different types of business loans to facilitate cash flow as per business requirements. These are categorized as:

  • Term Loans: These are short-term, long-term and intermediate loans varying in tenure from 3 years (short-term) to 10-15 years (long-term).
  • Overdrafts: This one is a temporary loan, wherein the account holder overdraws from his current account as per agreed terms.
  • Working Capital Loans: These loans are availed to meet day to day financial requirements of businesses.
By applying for a business loan with Tata capital, you can facilitate the business operations without worrying about a cash crunch at challenging times.

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A sudden requirement of funds is an unavoidable circumstance of business or personal life. Whether a personal necessity (hospitalization, child's marriage) or a professional one (expanding business operations on a priority basis), every person requires immediate financial backing at key moments.
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It is a type of unsecured loan and helps to meet your current financial needs. You don't need any security/collateral while availing it. Personal Loan is your solution for instant cash and can be used for travelling, wedding, medical emergency, home renovation, or anything else.

 

Home Loan is a Secured loan offered against the security of a house/property which is funded by the banks and NBFCs the property could be a personal property or a commercial one. Home loans consist of an adjustable or fixed interest rate and payment terms.

 

Loan Against Property belongs to the secured loan category where the borrower gives a guarantee by using his property as security. Banks and financial institutions offer this LAP, which can either be a residential/commercial building or a piece of land.

 

A Business Loan is a loan specifically intended for business purposes. As with all loans, it involves the creation of a debt, which will be repaid with added interest. Banks and other financial institutions are there to provide you with suitable lending assistance.

Different Purposes for Personal Loan through LoanMoney

Marriages are made in heaven and its celebration is one of the happiest and memorable events for married couples and their families. Wedding loan is available to people looking to meet their wedding expenses in order to make the wedding a grand success.
A Medical Loan is extended by a bank or a financial institution under the category of personal loans. A medical loan can be used for multiple emergency purposes such as an operation, surgery, procedure, therapy or for any concern related to health.
Balance transfer is the process where a customer transfers his outstanding principal amount to another bank or financial institute primarily for a better rate of interest and also for better features. Balance transfer reduces your interest rates and finally ensure saving.
The Credit Card Payment Loan is designed to allow you to take control of your finances and pay your credit cards off faster. This is made possible by consolidating your high-interest card balances into one monthly payment at a fixed rate and term.
The Education Loanaims at providing financial support from the bank to deserving/ meritorious students for pursuing higher education in India and abroad. Students enrolled in career-oriented courses e.g. medicine, engineering, management etc, can avail this.
Travel loan is a kind of Personal Loan that you can apply while planning a travel. It can help to cover the costs associated with your holiday, such as airfares, accommodation, hotel fares, tour packages, travel gears/accessories, or any other type of expenses associated with your travel.
Debt consolidation/ Financial Restructuring is a process to streamline one’s financial stability and debt. Thus by consolidating many small debts with one debt, one gets favourable payment off terms and lower burden of EMI.
Home is the place where your story generates. Home Renovation Loans are designed for the purpose of renovating a house and can be taken by a person who owns the property to be renovated.

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