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| Cash credit |
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Cash credit basics I need funds for my business. What are the right means to get them? How do I understand the meaning of the various types of offerings provided by the banks? What is cash credit and how will it help me with my business needs?... (read more) Operation of cash credit Is there a way in which I can use the cash credit facilities in the best possible manner? How do I ensure that my cost is low while I get all the funds required at different stages or time periods? Will this be enough to continue with the normal business activities?...(read more) Documentation required There are always a lot of requirements to be fulfilled when a bank transaction comes up. Will the cash credit too require a lot of documents and how will this requirement be fulfilled? Do I need to do something extra in completing the paperwork to get the finance?...(read more) |
| Overdraft |
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Overdraft basics I have some investments with me but I need funds for my business. Can I use them as a security for the purpose of raising funds? How long will I be able to raise funds and then use them for the necessary purpose?... (read more) Amount available Lately, my business saw a dip but I could survive hard times because my bank lent a helping hand to me. As I was regular in my payments and had pledged enough security, the bank had no problem in raising my overdraft amount...(read more) Securities for overdraft Is there a list of securities that are eligible for taking an overdraft? How will this be used for getting the necessary limit for the overdraft facility? I have some mutual fund units, which are not usually used as a security...(read more) |
| Term Loans |
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Term loan basics I am provided short-term credit for my business, but I am on the lookout for some route that will provide me funds for a longer time period. Will I be able to get this kind of finance for my business activities?... (read more) What is the purpose of term loans? My business is showing signs of significant growth. This will require adequate funding; will a term loan be able to meet this requirement? Some of my requirements are also long term in nature as my business involves some research and development work, will this also be covered?...(read more) Repayment of term loan My friend and I took a loan for our respective business from the same bank. Though there was not much difference in the loan amount, the repayment procedure prescribed for both of us was different...(read more) Security and margin I was not aware that like in a home loan, I have to raise some amount on my own for a business loan. The bank told me that pledging the house and other property was just not enough...(read more) |
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