Flexi Hybrid Business Loan

Learn how a flexi loan can help you manage your business finances more efficiently and conveniently.
Business Loan
2 min read
07 October 2023

In today's dynamic business landscape, flexibility is often the key to success. Bajaj Finance understands the ever-evolving financial requirements of businesses, which is why we offer a range of innovative loan solutions, including the Flexi Hybrid Loan.

What is a Flexi Hybrid Business Loan?

A Flexi Hybrid Business Loan is a financing tool that combines the advantages of a Term Loan and a line of credit. It offers businesses the flexibility to draw on the loan as and when required and repay it with customised EMIs. Additionally, you can choose to pay interest only EMIs for the initial period of the loan to manage cash flow. The loan amount, tenure, and repayment schedule can be customised to meet the specific needs of the business.

Term Loan vs. Flexi Hybrid Loan

When it comes to business loans, the traditional Term Loan is the most common option. Under a Term Loan, you borrow a fixed amount for a predetermined period. You repay the loan amount with a fixed EMI that includes both principal and interest components. While this structure has its merits, it may not be the best fit for all businesses.

The Flexi Hybrid Loan introduces a new level of flexibility into business financing. With this loan, you can withdraw funds from your pre-approved loan amount as many times as needed and repay at your convenience. Here is why the Flexi Hybrid Loan stands out:

  1.  Use only what you need
    Under the Flexi Hybrid Loan, you are approved for a specific loan amount, say, Rs. 10 lakh. You have the freedom to withdraw only the amount you require at any given time. For instance, you may withdraw Rs. 4 lakh today and opt to repay it over two years, while Rs. 6 lakh remains pre-approved for you to use whenever necessary.

  2. Pay Interest only on withdrawn amount
    One of the standout features of the Flexi Hybrid Loan is that you are charged interest solely on the withdrawn amount. For example, if you withdraw Rs. 5 lakh, you will be charged interest only on that specific sum. This is in stark contrast to traditional Term Loans where interest is levied on the entire loan amount, even if you do not utilise it fully.

  3. Withdraw and prepay as you please
    Flexibility is at the core of the Flexi Hybrid Loan. You have the liberty to withdraw funds from your sanctioned loan amount whenever needed, allowing you to address immediate business requirements effectively. Moreover, you can choose to repay a portion of what you have borrowed at any time. This means you can adjust your repayments as per your business cash flows and financial goals.

For instance, you initially borrowed Rs. 6 lakh and, three months later, decided to withdraw an additional Rs. 4 lakh. You can repay Rs. 50,000 six months later, another Rs. 2 lakh the following month, and the remaining balance at the end of the two-year term. This level of customisation lets you manage your finances efficiently.

In the fast-paced world of business, having access to flexible financing solutions can make all the difference. Bajaj Finance Flexi Hybrid Loan offers a versatile and convenient way to meet your business's financial needs. With the ability to use only what you need, pay interest solely on withdrawn amounts, and make withdrawals and prepayments as you see fit, this loan option aligns perfectly with the ever-changing demands of your business.

Bajaj Finance Business Loan

If you are looking for a Flexi Loan option for your business, you can consider Bajaj Finserv Business Loan. Bajaj Finance offers business loans of up to Rs. 80 lakh at flexible tenures ranging from 12 months to 96 months. Apart from the Flexi Hybrid loan, Bajaj Finserv Business Loan also offers other features and benefits, such as competitive business loan interest rates, minimal documentation, quick approval, and disbursal.

Embrace the flexibility of the Flexi Hybrid Loan and take control of your business's financial journey today.


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Frequently asked questions

What is a flexible hybrid loan?

A flexible hybrid loan is a loan that allows you to borrow and repay as per your convenience, with interest-only EMIs for the initial period. You only pay interest on the amount that you use from your sanctioned limit.

What is a flexible business loan?

A flexible business loan is a loan that gives you the freedom to use the funds for any business purpose, with no collateral or security required. You can choose your loan amount, tenure, and repayment mode as per your cash flow.

What is a hybrid loan?

A hybrid loan is a loan that combines fixed and adjustable interest rates, usually for home loans. You start with a fixed rate for a certain period, and then your rate changes according to market conditions. This can help you save on interest costs.