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How Business Owners Can be Financially Fit in the New Financial Year

  • Highlights

  • Benefit from simple eligibility and easy application

  • Get access to funds instantly with quick disbursal

  • Make use of up to Rs.30 lakh without any collateral

Working capital helps your business meet its short-term liabilities and keeps your daily business operations running smoothly. Whether it is to pay your staff salaries, office rent, electricity, charges for maintenance and repair of equipment or buying inventory, working capital is used for it all. So, a shortfall in working capital can affect your business severely by hampering productivity and therefore reducing revenue.

To give your working capital a boost, use a loan such as Bajaj Finserv’s Working Capital Loan. It is tailor-made for this specific business need, and offers affordable financing with a low interest rate. Further, with a flexible tenor, simple application process and quick disbursal period, this loan is ideal to plug any gaps in your firm’s working capital. Here are a few ways in which this loan helps you keep your business afloat.

Simple eligibility criteria gives you easy access to funds

Bajaj Finserv’s Working Capital Loan is customised for small and medium businesses, and can be availed by any of the following businesses:
-Limited or private limited company
-Partnerships or proprietorship firms
-Self-employed professionals
You can qualify for this loan with ease with a business vintage of 3 years, certificate of practice, and KYC and financial documents. Easy eligibility criteria mean that you can apply for this loan easily, and focus your energies on your business rather than arranging funds.

Ease of online application and instant approval means fast financing

With Bajaj Finserv, you can apply for a business loan online by completing a simple 4-step procedure. Start by filling out a form and submit it along with the relevant documents that prove your eligibility. Then, await document verification and loan approval, after which the loan amount will be directly credited to your bank account. Optionally, you can apply offline by sending an SMS with the letters ‘BL’ to 9773633633. More importantly, approval for this loan is instant and you can get disbursal in as soon as 24 hours. So, you can meet your urgent working capital needs without wasting a minute.

Collateral-free so that you don’t have to arrange for security

If you’re taking a loan to improve your working capital, you may not be comfortable with increasing your risk by putting assets at stake. Keeping this in mind, the Bajaj Finserv Working Capital Loan doesn’t require you to submit any collateral or nominate a guarantor. You can borrow up to Rs.30 lakh without worrying about this formality. This also means that you can apply for this loan and get approval faster too, as there is no property or security that needs to be evaluated. This speeds up the entire process.

Pre-approved offers to reduce the time taken for approval even further

To help your business further, Bajaj Finserv offers a pre-approved Working Capital Loan if you are an existing customer. This in turn helps you save more time, as you don’t have to go through the entire application procedure from scratch.

Increase Your Working Capital

Flexi Loan facility offer maximum convenience to SME owners

This facility from Bajaj Finserv allows you to use the loan in a flexible manner. You are free to withdraw money from the total Flexi Loan amount sanctioned to you as per your business needs. So, you can borrow some money today, some tomorrow, and may also never need to access a portion of your sanctioned amount. The advantage is that you only have to pay interest on the sum that you use. Further, you can choose to pay only interest as the EMI. The principal amount can be repaid at the end of the tenor. Also, you can withdraw, repay and redraw the prepaid funds as many times as you want to within the tenor. Thus, you get maximum flexibility to meet your unexpected or unpredictable working capital needs with ease. With low interest rates and easy repayment options, this loan from Bajaj Finserv is the best way to boost your business’ working capital.

Business Loan Instant Approval

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