Corporate Financing Advisory Services

Every organization needs money to function, to start business and for a lot of other reasons. Finance for a business is like blood for body, without finance their will be no business. The first question in every entrepreneur’s mind when they start a business is how, where and when will I get the money to start my business. Your business may require money at any point of time below are a few reasons you might need money for your business:

• Starting a new business
• Business Growth
• Business Expansion
• Working Capital
• Launching new products

We specialize in providing corporate finance for your organization using different sources of financing. We provide end to end solution starting from filling the form and getting approvals.

Unsecured Business Loans

Unsecured Business Loan, as the name explains is a type of loan that doesn't require a collateral. It is typically at a higher rate of interest and is taken for a comparatively smaller tenor. Business Loan can also be explained from the point of view of the tenor:

• Short-term loans are usually used for short-term working capital for a business temporarily in need of cash. These loans may be based upon seasonal fluctuations, and other short-term problems that a business may encounter. Usually, these loans are paid within 1 year.

• Intermediate loans are often used for businesses that are starting up. These loans may be used to build inventory, buy equipment, or increase working capital. Working capital is money needed for business purposes such as paying employees, maintaining good over-head, and other business needs.

• Long-term loans can be given to business owners that are well established and wish to increase their fixed assets, for related business acquisitions, and for expansion. Long-term loans may also be given to start-up businesses, usually for purchases of land or buildings, construction efforts, and long-term working capital, these loans have terms that run 3-5 years.

For assistance on Unsecured Business Loans please click here

Home Loan

Home Loan is a Secured loan offered against the security of a house/property which is funded by the bank’s loan, the property could be a personal property or a commercial one.

Factors To Consider When Getting A Home Loan

Loan Amount
It is not always wise to borrow huge sum or apply for different loans as huge debt will make your repayment a challenging that leads to debt trap. Decide your loan amount depending or considering your income, Job, age, other debts and financial commitments.

Tenure or Period of repayment:
Borrowers always want to pay off their loan or debts as soon as possible and opt for short tenure loans.

Hybrid Loan:
When considering home loan it is important to consider interest rate. You can either consider fixed rate or fluctuating

Insurance for Home Loan:
Home loan insurance enables you to insure your loan and repay your loan in cases of accident, death, sickness or loss of job.

Penalty and Charges:
Before applying for home loan, know the rate of charges, penalty or fee charged by your lending company or bank for default in monthly EMI.

Tax benefit:
If you borrow your home loan from recognized lender such as banks and leading lending company, you can get tax relief on your principal amount and interest paid along with monthly EMI.

For assistance on Home Loan please click here

Loan Against Property (LAP)

This type of Loan Against Property is a loan which a person or individual takes against the Property, house or flat.

Advantages of taking a Loan Against Property:
• Cheaper than Personal Loans: It works out to be much cheaper than a personal loans, which is usually issued at interest rates in the region of 16 per cent-21 per cent.
• Longer Loan Tenure: The tenure for a Loan Against Property is usually longer than that for a personal loan. Generally, LAP is given for a maximum tenure of 10 years.
• Lower EMI: Since the rate of interest is lower, many times, LAP Equated Monthly Installments (EMI) turn out to be cheaper than those under personal loans.
• Simple documentation and Fast Approvals: LAP being a secured Loan has comparatively faster approvals and minimal documentation.

Loan Against Property can be taken for following purposes:
• Expanding your business
• Get your child married
• Send your child for higher studies
• Fund your dream vacation
• Fund Medical Treatments

For assistance on Loan Against Property (LAP) please click here

Commercial Loans for Property / Plots

Commercial or Business loans is popular category of loans offered by almost all banks in both public as well as private sector. The main aim of a commercial loans is to help traders, businessmen and professional, start or expand their commercial activities.

Commercial loans for property plots helps your business grow. When you want your business to grow, you need to expand and need new place to setup. We help you get commercial loans for property in simple steps. Our defined and customized process will save you time and help you achieve your desired results.

The commercial loan is often thought of in terms of a short-term source of cash for a business. Some bankers offer a commercial loan format that is known as a renewable loan. Renewable loans allow the business to secure necessary funds, repay the balance within terms, and then roll the loan into a second or renewed period. This type of commercial loan is often employed when a company needs funds to secure resources to handle large seasonal orders from customers while still providing goods to other clients.

For assistance on Commercial Loans for Property / Plots please click here

Term Loans

A term loan is a monetary loan that is repaid in regular payments over a set period of time.Term loans usually last between one and ten years, but may last as long as 30 years in some cases. A term loan usually involves an unfixed interest rate that will add additional balance to be repaid.

Term loans can be given on an individual basis but are often used for small business loans. The ability to repay over a long period of time is attractive for new or expanding enterprises, as the assumption is that they will increase their profit over time. Term loans are a good way of quickly increasing capital in order to raise a business’ supply capabilities or range. For instance, some new companies may use a term loan to buy company vehicles or rent more space for their operations.

• Intermediate-term loans: Usually running less than three years, these loans are generally repaid in monthly installments (sometimes with balloon payments) from a business's cash flow. According to the American Bankers Association, repayment is often tied directly to the useful life of the asset being financed.

• Long-term loans: These loans are commonly set for more than three years. Most are between three and 10 years, and some run for as long as 20 years. Long-term loans are collateralized by a business's assets and typically require quarterly or monthly payments derived from profits or cash flow. These loans usually carry wording that limits the amount of additional financial commitments the business may take on (including other debts but also dividends or principals' salaries), and they sometimes require that a certain amount of profit be set-aside to repay the loan.

For assistance on Term Loans please click here