Dukaan chalane mein sabse badi zaroorat hoti hai time par stock aur kabhi-kabhi expansion. Business loan ismein madad kar sakta hai — basharte dukaan ka hisaab-kitaab lender ko saaf dikhe.
Dukandaar kiske liye loan lete hain
- Tyohaar ya season se pehle stock bharna
- Fridge, counter, rack ya POS machine
- Dukaan ki marammat ya decoration
- Doosri dukaan ya naya outlet
- Supplier ko advance, wholesale kharid par discount paane ke liye
Lenders kya dekhte hain
- Dukaan kitne time se chal rahi hai
- Bank statements — roz ki sales ka paisa account mein aata hai ya nahi, UPI aur card payments
- GST returns (agar registered hain) ya ITR
- Dukaan ka proof — shop/trade licence, Udyam registration, rent agreement
- Owner ka CIBIL score
Dukandaaron ke liye tips
- UPI/QR se payment lein aur cash bhi bank mein jama karein — bank mein dikhi sales hi aapki kamaai ka saboot hai.
- Ek current account se dukaan chalayein.
- Udyam registration karwayein — free hai.
- Chhoti amount ke liye Mudra scheme dekhein — padhein Mudra loan kya hai.
- GST registration nahi hai? Dekhein bina GST ke business loan.
Amount ke hisaab se dekhein: ₹5 lakh aur ₹10 lakh ka business loan.