Business Loan in Kolkata

Click to apply for Business Loan in Kolkata

 

Indexia Finance provides Business Loan Kolkata, it means we provide a Business Loan in your doorstep facility, as now the right bank will come to your doorstep. You can apply online for Business loan in Calcutta at lowest rate of interest.

Business Loans are offered in two types

1.    Secured and

2.    Unsecured

For a Secured Business loan, the borrower needs to pledge something as collateral or security against the loan amount taken. Be it raw material or finished products, land or machinery, anything can be kept as collateral in agreement with the lending party. The borrower can also offer cash advance as collateral as it offers more liquidity and the loan can be availed at lower interest rates and flexible repayment options.

Eligibility Criteria for Business loan in Kolkata

 The applicant must meet the below eligibility criteria for Business Loan .

  • Minimum age 21 years
  • Maximum age 65 years
  • Minimum income (annual) Rs. 4,00,000/-
  • Minimum loan amount Rs. 100,000/-
  • Maximum loan amount Rs. 2,00,00,000
  • Minimum years of business existence 3 Years
  • Minimum loan tenure 1 year
  • Maximum loan tenure 5 year

Required Documents for Business Loan in Kolkata

The documents are required for Business Loan in Kolkata are as below;

Common Documents :-

  • Two photographs of each applicant & co- applicant
  • Pan Card Copy each applicant & co- applicant
  • Adhar Card of each applicant & co- applicant
  • Utility Bill of office and current residence (latest month) each applicant & co- applicant

Income Documents :-

  • 3 years ITR, computation of income,  P&L, Balance sheet, all annexure & schedule. List. (self & CA attested)
  • Sales & Purchase Summary – last 3 years (till date)
  • & Cr. List – last 3 years (till date)
  • Last 12 months bank statement of the company and all the EMI reflection if any loans going on
  • Sanction letter of all Loans & OD/CC (if any)

Additional Documents :-

  • Pan card copy of Company
  • MOA & AOA copy / Partnership Deed
  • List of Directors/ Partners & Shareholders
  • Business Proof (Shop & Establishment Certificate, VAT, Sales Tax, GST, Service Tax, IEC)
  • GST Certificate of the Company