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Business loans are provided by various banks to business people for their short or long term financial needs. A lot of times it is important for businessmen to acquire a certain amount of money for running their enterprise. It is well known that without the required capital no business can run. For any business whether in initial stage or in growth phase, capital is required to keep up the momentum.

Banks and other financial institutions offer business loans for expanding, modernizing or improving small, medium or large scale businesses. Banks often offer loans that are either secured loans and unsecured loans. A secured business loan means that the businessman keeps something as collateral against the loan amount taken. Collateral can vary depending on various factors. It can be anything from raw material to finished products, land or even the building of the business. In secured business loans the interest rates are comparatively low and they have much more flexible repayment options.

Secured loans are long-term loans that can be given to business owners that are well established and wish to increase their fixed assets or expand their business. Long-term loans can also be provided 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.

On the other hand, unsecured business loans do not require a collateral. It is often at a higher rate of interest and are taken for a comparatively smaller tenure. These short-term loans are usually used for short-term working capital for a business temporarily in need of cash. It is needed mostly due to seasonal fluctuations, and other short-term problems that a business may encounter. Before going for a business loan properly evaluate the situation. See how badly your need the money and when. You should evaluate how much loan you should take that you can easily repay later.

You need to provide proofs of your age, identity, residence address and income. The following list of documents can be used as proof.       Apply Business Loan Now

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December 2011

HDFC Top Executive Offer

Personal Loan Interest Rate - 14.00%...


December 2011

HDFC Bank - KRC (Key Relationship Corporates)

Personal Loan Interest Rate - 14.25%...


December 2011

HDFC Bank - SRC (Special Relationship Corporates)

Personal Loan Interest Rate - 15.75%...


October 2011

Key Relationship Corporates - KRC Offer

CSA Customers

Interest Rate - 14.25%, Processing Fee - 0.80%- for CSA Customers

Non CSA Customers

Interest Rate - 14.75%, Processing Fee - 1.00%- for Non CSA Customers


Identity Proof

Passport / Driving License / PAN card / Voters Id

You will also need latest color passport size photographs to complete the identification requirements.

Address Proof

Passport / Telephone Bill (Land / Mobile) / Electricity bill / Rental agreement / Driving license / Bank Statement With Address page / HR Letter - (Accept Only for SUPER CAT- A) / Election ID card / Postal Id card / BB BILL / Ration Card / Gas Bill With Agreement Book / Photo-credit card (with last two month statements) / Life Insurance Premium receipt / Proof of Office for Self Employed (any one) Lease deed / Utility bill / Municipal Tax receipt / title deed.

Age Proof

PAN Card / Passport / Driving License / School leaving certificate / Birth Certificate

Income Proof / Processing Documents

2 Yrs IT Including TDS amount Mentioned -TDS certificate (Form 16 )

2 Yrs Individual I T of Major Partner

6 Months COMPANY'S Current Account Bank Statement

Loan Schedules

Business Continuity Proof

Partnership deed

Company Pan Card

Partner Pan Card

Partner's Own House Proof or Shop

KYC of All partners

MOA – Memorandum of Article

Turn Over Min 40 Lakh

Net Profit – Min 1.5 Lakh

Business Stability - 5 Years


1. CIBIL Score Check: You must know that your credit history play a very important role in the acceptance of your business loan application as CIBIL keeps a record of credit history by collecting your credit data from various financial institutions. A decent credit score not only gives a green signal to your loan application.

2. Increase your loan eligibility: You can increase your eligibility of the loan amount by clubbing your income with your spouse’s income.

3. INTERNAL relationship with bank will help you to reduce business loan interest rates.

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