Tag: Interest Rates

Interest rates, flat vs reducing rates, APR and how rates are set.

7 Factors to consider while taking a Small Business Loan

Banks have been around forever, and they’re practically synonymous with business loans. But in recent years, business owners have turned to the new alternative loan market for faster financing, and higher approval rates. But while the idea of a business bank loan is enticing, there’s more involved than you might initially think. Before taking the dive […]

Factors that affects Personal Loan eligibility for Self Employed

In small towns, small businesses depend on unauthorised moneylenders for their financing needs. They charge exorbitant interest and there is normally no clear paperwork for the same. These are risky finance options that can prove dangerous in the long run. You can use the personal loan for any purpose like a medical emergency, your child’s […]

Loan Terminologies you must know

Using a loan to finance an expense whether it’s for an automobile purchase or home improvement project can be a smart decision. However, if you’re not familiar with certain loan terminologies, you might be at a disadvantage when it comes to evaluating a loan or comparing loans from multiple lenders. Quick check: Closing a loan […]

Revenue Based Financing

As the start-up ecosystem in India strengthens, many new classes of capitals are being introduced. And of all the capital classes, both investors and entrepreneurs find revenue-based financing a distinct solution. Since its adoption in India in 2020, more and more start-ups and small enterprises (SMEs) are pivoting towards this financing option. That’s because it […]

Credit Card vs. Personal Loan

Usually a loan available on a fixed rate of interest, a personal loan is sanctioned for a given tenure of between 12 and 60 months payable via equal monthly instalments or EMIs that include the principal as well as the interest component. Personal loan for salaried individuals is more easily approved than those for self-employed people. A […]

Drawbacks of Business Loans

A small business loan may be their only means of turning their dream of business ownership into a reality. Some may turn to banks or credit unions to obtain the necessary funds. While a small business loan can get a business off the ground, it has certain pitfalls. Quick check: Juggling several app loans? Read […]

Credit Card Truth

There’s no doubt about it credit cards offer the utmost in convenience. They’re accepted everywhere and since you only get a bill once a month, you don’t have to have any cash available to pay for things when you purchase them.  Quick check: Found a lender name on your CIBIL report that you don’t recognise? […]

Debt Financing

Debt financing is a time-bound activity where the borrower needs to repay the loan along with interest at the end of the agreed period. The payments could be made monthly, half yearly, or towards the end of the loan tenure. Debt financing is an expensive way of raising funds, because the company has to involve […]

Cash Flow Loans

A cash flow loan is a small business loan that is based on your company’s cash flow. Unlike traditional asset-based business loans, a cash flow loan doesn’t require any business assets for collateral. Cash flow implies the company’s ability to create value and generate profits. In this blog, we shall discuss cash flow in depth and how […]