Business loan mein lender do cheezein dekhta hai: business loan chuka payega ya nahi aur owner ka record kaisa hai. Har lender ki shartein alag hoti hain, par basic baatein milti-julti hain.
Aam eligibility shartein
| Shart | Lenders aam taur par kya dekhte hain |
|---|---|
| Business vintage | Business kitne time se chal raha hai — lenders minimum time tay karte hain |
| Turnover | Saalana sales ya income lender ki minimum limit se upar |
| Banking | Current account mein regular credits, achha average balance, kam cheque bounce |
| Filing | GST returns (jahan laagu) aur ITR time par |
| Chal rahe karz | Maujooda EMIs aur nayi EMI business ki kamaai se aaram se chukein |
| Credit record | Owner ka CIBIL score aur business ka credit record |
| KYC | Owner aur business ka PAN, address aur business proof |
Sabse zaroori: bank statements
Lenders aapke bank statements se business ki asli nabz dekhte hain — paisa kitna aur kitni regularity se aata hai, kitni EMIs chal rahi hain, bounces kitne hain. Isliye sales ek main current account se chalayein. Oxon Fintech ke saath yeh statements Account Aggregator se, aapki consent se, digitally jaate hain.
Eligibility kaise badhayein
- GST aur ITR time par bharein — yeh turnover ka sabse saaf saboot hai.
- Cash sales bhi bank mein jama karein — lenders wahi ginte hain jo unhe dikhe.
- Cheque bounce se bachein aur account mein kaafi balance rakhein.
- Udyam registration karwayein — yeh free hai aur MSME ke roop mein pehchaan deta hai.
- Zaroorat jitni amount maangein aur EMI business ki monthly bachat mein fit karein.
- GST nahi hai? Dekhein bina GST ke business loan.
Aage dekhein documents aur business loan kaise le.