Zyadatar business mein paisa atka rehta hai — maal godown mein, udhaari customers ke paas — jabki suppliers, kiraya aur salary time par dene hote hain. Is gap ko bharne wala loan hai working capital loan.
Kiske liye
- Stock aur raw material kharidna
- Tyohaar ya season se pehle maal bharna
- Customers se payment aane tak ka gap
- Salary, kiraya aur bijli jaise regular kharche
Types
| Type | Kaise kaam karta hai |
|---|---|
| Overdraft / cash credit | Ek limit milti hai; jitna use karein, utne par aur utne din ka byaaj |
| Short-term loan | Tay amount, kuch mahino se ek-do saal mein EMI se wapsi |
| Invoice financing | Bakaya bills ke badle paisa, customer ke payment par chukta |
Term loan ya working capital?
Machine ya dukaan ke fit-out jaisi ek baar ki kharid, jo saalon chale, uske liye term loan theek hai. Ghatte-badhte stock aur udhaari ke liye working capital behtar hai, kyunki aap aam taur par sirf use ki gayi amount par byaaj dete hain.
Lenders kya dekhte hain
- Bank statements mein regular credits aur sales ka cycle
- GST returns se turnover
- Stock aur udhaari ka level
- Chal rahe karz aur payment record
Tips
- Season se pehle hi apply karein, taaki zaroorat ke time limit taiyaar ho.
- Limit sirf zaroorat bhar use karein aur jaldi chukayein — byaaj bachega.
- Business loan EMI calculator se payment ki planning karein.