Business Loans
A Business Loan, as working capital, is rotated in each operating cycle; even minor changes in working capital will impact the bottom line & top line significantly. Delayed receivables constitute a significant cause of working capital shortages for businesses.
A Business Loans is essential for keeping your business operations running smoothly. It provides short-term financial support to manage daily expenses such as payroll, raw materials, inventory, supplier payments, and other operating costs. Since working capital rotates with every business cycle, even small fluctuations in cash flow can significantly affect your company’s performance. Delayed customer payments and seasonal fluctuations often create financial pressure and lead to working capital gaps.
At ReaLoan, we understand these challenges. That’s why we offer fast and flexible working capital loan solutions designed to strengthen your cash flow and help your business function without interruption. With our tailored offerings and quick disbursal support, we empower MSMEs and small businesses to overcome operational hurdles, maintain stability, and achieve sustainable growth.
Eligibility Criteria for Business Loans in India
Minimum Turnover Rs. 50 Lakh Per Annum
Business Vintage at least 2 year’s
Collateral cover 2x to 3x
Loan amount 1 Crore to 10 Crores
Tenure up to 5 Years
Eligibility Requirements for Business Loans
- Business Vintage: While we value startup culture, we require a minimum business vintage of 2 years.
- Minimum Turnover: 50 Lakhs per annum in the last two years
- Collateral Requirements: Minimum 2x collateral like open land, residential & commercial spaces, etc.
- EMI cover: We require a minimum of 1.5x EMI cover on a Monthly cashflow basis.
Document Requirements for Business Loans
We only ask for basic documentation to process your loan application. These documents help us gauge your profile and evaluate the financing that will be most helpful for your purpose.
- Basic KYC information
- Business address proof
- Financial documents
Features of Business Loans In India
Flexible Repayment Options
Tailored to suit your business’s specific cash flow needs and cycles, our repayment plans are designed with MSMEs in mind
Quick Approval and Disbursement
ReaLoan ensures a swift approval and disbursement process, enabling MSMEs to access funds promptly and efficiently by our NBFC Partners.
Customized Solutions
We understand that each business is unique. Hence, we provide tailor-made solutions aligned with industry requirements and business goals.
Forward-looking approach
We are committed to understanding your businesses and estimating growth potential from the additional working capital, ultimately affecting the maximum eligibility for availling working capital loans.
Benefits of Business Loans for MSMEs
Business loans offer a range of benefits for MSMEs in India, including:
Cash Flow Management
An addition to working capital smoothens the overall cashflows and reduces payment delays due to delayed debtor realization.
Inventory Management
Inventory prices vary based on the payment terms offered. More liquidity enables businesses to alter payment terms and secure inventories at a discount ultimately improving profit margins.
Business Expansion
The availability of credit and credit lines allows businesses to venture into new geographies, expand product lines, handle demand shocks, and invest in other growth opportunities.
Emergency Funds
A complex business environment will always have uncertainty associated with it. Having a financial buffer aid to handle any unexpected expenses or business challenges.
Steps to apply for Business Loans
Applying for a working capital loan with ReaLoan Service in India is a simple and straightforward process.
- Head to our loan application page by clicking here.
- Read the requirements pdf attached at the top.
- Fill in the relevant details as accurately as you can.
- Agree to the terms & conditions.
- Our dedicated team will connect with you & ask for any additional information required.
Borrower Testimonials
