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Different Types of Business Loans

Bajaj Finserv offers various types of business loans that help cater to your various business needs. These loans fall under two board categories: term loans and flexi loans. Term loans can be either short-term or long-term depending on the tenor. While a short-term loan has a tenor of up to 5 years, a long-term one can stretch up to 20 years. In both the cases, borrowers have to pay equal monthly instalments (EMIs) throughout the entire tenor while repaying the loan. The Flexi Loan facility offered by Bajaj Finserv gives an option to borrower to pay only interest as EMIs while repay the principal amount at the end of the tenor. Borrowers also have the flexibility to pay interest only on the amount utilised and not on the entire loan amount. This facility reduces EMIs up to 45% as compared to traditional term loans.

The following includes different types of business loans and how they help:

1. Working Capital Loans

Businesses to maintain a good short-term liquidity, need to have an adequate and a constant cash flow. That’s when a working capital loan comes in handy. Meet short-term business needs like inventory and payroll costs, manage delayed payments from debtors and more with a working capital loan up to Rs.20 lakh.

2. Business Loans for Women

Bajaj Finserv offers Loans for Businesswomen to boost their business growth and manage their day-to-day business functioning smoothly.

3. Machinery Loans

Whether it is purchasing or upgrading plant & machinery, businesses will require considerable funding in both situations. Machinery loans are one of the types of business finance that provides capital for your fixed asset needs.

4. SME and MSME Loans

Bajaj Finserv offers SME and MSME loans to small business owners looking to expand their operations and market reach.
Bajaj Finserv offers all of the above types of funding for businesses in a simple, quick and hassle-free manner. Pre-approved offers on business loans helps you avail instant funds with just 1-step verification.

Also Read: What is Business Loan

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