Unsecured Business Loans
Have Business in Kolkata?
Get Your Loan in kolkata Upto ₹ 2 Crores in 3 days
What is a Business Loan and Why Should You Consider It?
Defination:
Securing a business loan in Kolkata is pivotal for entrepreneurs aiming to kickstart or scale their ventures. These loans provide a tailored solution, ensuring swift access to capital for Indian businesses.
CreditCares' online business loan emerges as a lifeline for new enterprises, offering vital financial support to meet diverse business requirements. Boasting competitive interest rates, it assures that critical business expenditures remain intact.
Embark on your journey towards success by applying for a prompt business loan from CreditCares today!
- Access to Capital When You Need It
- Facilitates Business Growth
- Improves Cash Flow Management
Whether you're a small business owner or a growing enterprise looking for loan in kolkata, our business loan is designed to help you achieve your business objectives.
Key Feature's
Loan amount
10 Lakh - 10 Crore's
Loan Tenure up-to
48 months
Loan Sanction in
2 days
Disbursement time
3-4 days
Eligibility & Documentation
Who Can Apply?
Business owners, including sole proprietors, partnerships, corporations, and LLCs, can apply for business loans. Eligibility generally requires a good credit score, a solid business plan, and financial statements demonstrating revenue and profitability.
CIBIL Score of 750 or higher
Business operational for 2+ years
12 months bank statement
Gst Registration Certificate
Documents Required
Ensure smooth processing of your business loan application by providing the necessary documents.
- Passport (optional)
- Driver’s license
- Aadhar card*
- Voter ID card
- PAN card*
- Utility bills (electricity, water, gas)*
- GST registration certificate.
- Partnership deed (for partnerships business)
- Memorandum and Articles of Association (for companies)
- Trade license
- Shop and Establishment certificate
- Udyam certification with annexure
- GST certificate
- Business bank statements
- Income tax returns of the business
- GSTR 3b
- Audited financial statements (Profit and Loss statement, Balance Sheet)
- Business income proof (such as sales invoices, contracts, or revenue statements)
- Passport-sized photographs
- References
- Any additional documents requested by the lender
- Having a co-applicant is mandatory.
- In certain cases, having a woman co-applicant is also mandatory.
- A co-applicant can be a spouse or any first blood relative, such as parents, siblings, or children who have attained the age of maturity (subject to the income-ownership grid).
- All co-owners of the property must be part of the loan structure.
- Friends cannot be co-applicants unless they are coming in the capacity of partners, directors, or shareholders.
Official Lending Partners
Our Happy Clients
Excellent Customer Service and Support
Big thanks to Creditcares! Mere business ke liye ek perfect rate me loan mil gaya. very fast process, aur mera cibil bhi ab 740+ hogya. Props to the team for keeping it real and helping me level up
Albert Flores
CEO - Flores Group
Excellent Customer Service and Support
I have been thoroughly impressed with the level of customer service and support offered by this company. From the initial consultation to ongoing support, the team has been nothing but professional and responsive. I would highly recommend this company for anyone in need of a supportive and dependable partner in their business endeavors.
Albert Flores
CEO - Flores Group
Excellent Customer Service and Support
I have been thoroughly impressed with the level of customer service and support offered by this company. From the initial consultation to ongoing support, the team has been nothing but professional and responsive. I would highly recommend this company for anyone in need of a supportive and dependable partner in their business endeavors.
Albert Flores
CEO - Flores Group
Frequently Asked Questions
Find out you answers here
What types of loans do you offer?
Credit Cares offers a variety of loan options tailored to meet your specific needs, including personal loans, home loans, vehicle loans, education loans, and business loans.
Are there any additional charges or hidden fees?
Transparency is paramount at Credit Cares, and we believe in providing clear and upfront information regarding all associated charges and fees. While there may be certain processing fees, documentation charges, or prepayment penalties, we ensure that these are communicated to you in advance to avoid any surprises. Our aim is to maintain complete transparency throughout the loan process and address any queries or concerns you may have.
What documents are required to apply for a loan?
While the exact documentation may differ based on the type of loan, common documents typically include proof of identity, address proof, income documents (such as salary slips or tax returns), bank statements, and property documents if applicable. Our team will provide you with a comprehensive list to facilitate a smooth application process.
What are the interest rates and repayment terms?
Interest rates and repayment terms vary depending on the type of loan, prevailing market conditions, and individual credit profiles. Our goal is to offer competitive interest rates and flexible repayment options tailored to suit your financial circumstances. Our representatives will provide you with detailed information regarding interest rates, EMI calculations, and repayment schedules.
What are the eligibility criteria for obtaining a loan?
Eligibility criteria vary depending on the type of loan you are applying for. Generally, factors such as income, credit history, age, employment status, and collateral may influence eligibility. Our representatives will guide you through the specific requirements for each loan type.
What is the loan approval process like?
Once you submit your loan application along with the required documents, our team will review your application carefully. The approval process involves assessing various factors such as your creditworthiness, repayment capacity, and the value of collateral (if any). We strive to provide prompt decisions and keep you informed at every step of the process.