Peer-to-Peer (P2P) Lending
Peer-to-peer lending also referred to as P2P lending, is a form of direct lending of money to individuals or businesses. It works without an official financial institution participating as an intermediary in the deal. P2P lending is generally done through online platforms. P2P lending offers both secured and unsecured loans. However P2P lending websites connect [...]
Understanding the Top 10 Financial Ratios for Smart Investing
Did you know that more than 90 percent of successful investors apply financial ratios to gauge the performance of a company in making investment decisions? This is a testimony to the importance of knowing the figures that a business is dealing with. Learning about the Top 10 financial ratios for smart investing is not [...]
How to Apply for a Loan Against Inventory – A Step-by-Step Guide
Did you know that almost 65% of the small and medium businesses in India have problems with the working capital because of the stock holding? The inventory in your warehouse can literally open up instant cash via loan against inventory. This kind of loan allows you to use the current inventory as collateral to [...]
Merchant Cash Advance
As the name implies, a Merchant Cash Advance is an upfront cash advance that is received by a merchant in case he or she has temporary business credit needs and does not qualify for a bank loan. Many times, merchants of small and medium businesses experience a short-term cash crunch. Hence, to reduce liquidity [...]
Machinery or Equipment Loan
Although many SME loans on the market can be used for various purposes, a specific loan can be advantageous if you are sure about the purpose of taking the loan. For example, one type of loan that can be used to buy machinery is a machinery loan. What is a machinery loan? A machinery [...]
CGTMSE Loan: How to Get Collateral-Free Business Loans in India
Did you realise that since its introduction more than 45 lakh small businesses in India have been beneficiaries of the CGTMSE Loan Scheme? To most entrepreneurs, it seems almost impossible to access a business loan without collateral, and that is where the Credit Guarantee Fund Trust for micro and small enterprises (CGTMSE) comes in. [...]