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CreditMantri Finserve Private Limited
CreditMantri Finserve Private Limited Unit No. B2, No 769, Phase-1, Lower Ground Floor, Spencer Plaza, Anna Salai, Chennai - 600002
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Get business loans in India that are best matched to your credit profile
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Processing Fee
3%
Max Tenure
24 months
Best Rate
1.75% P.M
Affordable Interest Rates starting from 2% monthly |
Quick response to your queries within 72 hours |
Quick support at connect@mcapital.co.in |
Simple repayment options ranging from daily to monthly EMIs |
Small Business Loans:
A small business loan is a financial product tailored to meet the needs of a small or medium enterprise. Whether you are just starting your business or want to grow, a small business loan will give you access to the capital you require.1. Features:
2. Loan Against POS Receivables
Loan against POS receivables are loans taken by small business owners from lenders against future credit card and debit card swipes at the POS terminal.3. M-Swipe Retail Merchant Loans
M-Swipe offers POS loans to startups to bring their business ideas to life in a way that is convenient for them. They will have flexible repayment options and need not submit a collateral.1. Credit score:
The credit score is an important factor that affects the small business loan amount. The higher your credit score, you will be eligible for higher loan amounts. This is because the lender will have confidence in your repaying capacity.2. Financial Performance and Standing:
Lenders usually evaluate the financial health and performance of a small business based on its profit and loss account, income statement, balance sheet, and cash flow statements. Lenders use these documents to compute important financial ratios like debt-to-equity, liquidity, and operating margin.3. Personal Loan Guarantees:
Many lenders ask the borrower to bring guarantors on board if there are several partners in the business or its ownership and management are separated. The lender will review the financial statements of individual owners (submitted by the borrower) to make sure that they remain associated with the small business till the loan is repaid completely.4. Insurance Information:
In addition to checking the personal guarantee of owners, lenders verify if the co-owners have brought life insurance policies. The life insurance policies are to ensure that the small business is not liquidated in case of a partner’s death.5. Age of the Business:
Many small business owners prefer giving small business loans to small businesses that have been operational over a few years. You can avail quick, unsecured, small business loans from M Capital.6. Collateral:
Lenders sanction huge loan amounts to small businesses with collateral. This is because, if they fail to repay the loan, they can sell the assets and recover the loan. But, many lenders allow small businesses to pledge stock, equipment, and like business assets as collateral. Companies like M Capital provide collateral-free business loans.Step 1: Fill in your name, contact, and KYC details.
Step 2: Submit the online application.
Step 3: Get online loan approval
Step 4: You will get the funds in 72 hours.
The M-Capital business loan is an easy and convenient way of funding your business initiative. With affordable interest rates, flexible tenures, and easy and smooth repayment tenures, M-Capital business loans bridge the gap between ideas for business and bringing them into reality.
1. What is the age limit to get a business loan?
The business should have a minimum annual income (ITR) of Rs. 1.5 Lakhs per annum. The applicant should be at least 21 years at the time of applying for the loan and should not be older than 65 years at the time of loan maturity.
2. Is there a processing fee for a business loan?
A processing fee starting from 2% of the loan amount plus GST at the prevalent rate has to be paid.
CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf. We do not sell any loans on our own and do not charge any fee from our customers/viewers for the purpose of loan application