Unsecured business loan mein aapko property, machine ya koi aur cheez girvi nahi rakhni padti. Lender aapke business ki kamaai aur record dekh kar loan deta hai.
Kise milta hai
- Jinka business kuch time se stable chal raha hai
- Jinke bank statements mein regular aur kaafi credits hain
- Jinki GST/ITR filing update hai
- Jinka aur business ka credit record achha hai
Secured vs unsecured
| Unsecured | Secured | |
|---|---|---|
| Girvi | Nahi | Property ya doosri security |
| Interest rate | Aam taur par zyada | Aam taur par kam |
| Amount | Apekshakrit kam | Zyada ho sakti hai |
| Process | Tez, kam kagaz | Property check se lamba |
CGTMSE ka role
CGTMSE scheme ke tahat member lenders eligible micro aur small enterprises ko collateral ke bina loan de sakte hain; guarantee fee lagti hai. 1 April 2025 se iska cover ₹10 crore tak hai. Faisla lender karta hai.
Tips
- Zaroorat jitni amount hi lein — unsecured loan mehenga hota hai.
- Key Fact Statement mein APR, processing fee aur prepayment charges dekhein.
- Badi amount aur lambe tenure ke liye secured option se compare karein.
- MSME loan aur eligibility bhi padhein.