If you are running a business, then for the growth of your business sometimes you need loan. Business loan helps the people to give a boost to their business. It is a great for working capital requirements and expanding the business. B.D.S is providing this loan to help you to take your business at a greater heights.
Table of Contents
What is a Business Loan ?
A Business Loan is an unsecured loan (it is a collateral free loan, no need to submit any property for the security purpose). You can apply for Business Loan if you want to take the business to greater heights. In Business Loan, an applicants can borrow money from banks or any money lending company in order to increase or upgrade the efficiency of his/her business.
Purposes to take Business Loan :
A borrower can go for a this loan, if he wants to :
- Starting his business.
- Running his business.
- Expanding his business.
- Purchase equipment.
- Increase Working Capital.
- Purchase more inventory.
- Building Credit Score.
- Cash Flow.
- Large Order.
Eligibility Criteria :
There are some criteria a borrower should know before applying for a business loan :
- A borrower should be at least 21 years at the time of applying for a loan and less than or equal to 65 years at the time of loan maturity.
- The existing business should have at least 1 year of stability.
- The business should have a minimum turnover of Rs. 40 lakh.
- The business should have an annual income of 1.5 lakh.
- This loan can be avail by Self-employed individuals, Proprietors, Partnership Firms and Pvt Ltd co.
Loan Tenure :
The loan tenure for a business loan is up to 3 years.
Maximum Loan Amount :
A borrower can get a maximum of 30 lakh from this loan.
Processing Fee :
In the processing of a loan, there are some processing fees that are charged by the bank. The processing fees charged by the lender is 2.50% of the total loan amount.
Disbursal Time :
3 to 5 working days.
Factors that will affect interest rate of a business loan :
Some factors mention below that will affect your business loan interest rate :
- Nature of a Business : The very important factor that comes under this is the nature of your business. The nature of a business tells what kind of activity is performed by your business. The business should be relevant and the place where you are doing your business should not be on the blacklist. Lenders verify the previous nature of your business that how it works and then decide the interest rate.
- Experience in Business : Business Experience plays a vital role to decide the interest rate of your loan. A well-established business is more secure than a startup. If you are running a business for several years then it might be possible that the lender will charge a low interest rate.
- Credit Score : Credit Score is also called Cibil Score. Credit Score is a three-digit number that tells your ability to repay the loan. The good credit score is above 750. The lender always verifies your credit score before making any decision. A good credit score helps you to get a low interest rate and vice-versa.
- Annual Turnover : If the turnover of a business is high, the interest rate will be lower and this will lead to lower EMI amount. However, if the business turnover is low, the rate of interest will be higher and EMI amount will be higher.
- History of Repayment : Another main factor in business loan interest rate is repayment history. If your repayment procedure is good then the lender will charge a low interest rate. However, if the repayment history is not good then it totally depends on the lender’s choice.
Documents Required for Business Loan :
| Documents | Salaried employed applicant | Self-employed applicant |
| Photograph | Colored | Colored |
| ID proof | Pan Card/Voter ID Card | Pan Card/Voter ID Card |
| DOB proof | Pan Card/ School leaving certificate/High School mark sheet | Pan Card/ School leaving certificate/High School mark sheet |
| Address proof | Current and Permanent | Current and Permanent |
| Bank statement | 3 months Salary account | 6 months Saving/Current/CC account |
| Income proof | 3 months Salary slip and Form 16 | 2 years Financials(ITR/Computation/Balance Sheet) and Business Registration proof |
Business Loan Interest Rate :
| Banks | Interest Rates | Processing Fees |
| HDFC BANK | 15% – 19% | 2.49% |
| ICICI BANK | 16% – 22% | 2.00% |
| Bajaj Finserv | 19% – 23% | up to 3.00% |
| Fullerton India | 22% – 29% | 3.00% |
| Aditya Birla | 20% – 26% | 2.00% |
| Bank of Baroda | 14.10% -20% | 3.00% |
| Canara Bank | 11.75% – 21.30% | up to 2.5% |
| IDBI Bank | 12.25% -20% | 2.50% |
| Tata Capital | 12.50% – 19.50% | 1.25% – 2.50% |
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Dicho volador de estabilizacion con canasto de embrague representa un proceso primordial para garantizar el operacion excelente del propulsion y la accionamiento de un automotor. El desajuste en esta unidad puede generar sacudidas, ruido, desgaste excesivo de los componentes e hasta fallos. Historicamente, el nivelacion se efectuaba despues de quitar el volante del propulsor, aunque las innovaciones actuales posibilitan ejecutar tal proceso de manera directa en el carro, lo que minimiza plazo y dinero.
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Principales causas del Desbalance del Volador de Balanceo con Canasto de Embrague:
Desviaciones de produccion y acoplamiento: Hasta minimas desviaciones en la geometria de los piezas podrian originar desequilibrio.
Envejecimiento y problemas: El tiempo de uso, el temperatura elevada y los desperfectos mecanicos llegan a modificar la cantidad y resultar en falta de equilibrio.
Colocacion o arreglo incorrecta: Una colocacion incorrecta de la recipiente de embrague o mantenimientos incorrectos de igual manera llegan a generar desajuste.
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1. 富遊娛樂城
富遊娛樂城以其豐富的遊戲選擇和慷慨的優惠活動吸引了大量玩家。新會員只需註冊即可免費獲得體驗金 $168，無需儲值即可輕鬆試玩。此外，富遊娛樂城還提供首存禮金 100% 獎勵，最高可領取 $1000。
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AT99娛樂城以高品質的遊戲體驗和優秀的客戶服務聞名。該平台提供各種老虎機和真人遊戲，並定期推出新遊戲，讓玩家保持新鮮感。
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BCR娛樂城是一個新興的平台，專注於提供豐富的體育賽事投注選項。無論是足球、籃球還是其他體育賽事，BCR都能為玩家提供即時的投注體驗。
熱門遊戲推薦
WM真人視訊百家樂
WM真人視訊百家樂是許多玩家的首選，該遊戲提供了真實的賭場體驗，並且玩法簡單，容易上手。
戰神賽特老虎機
戰神賽特老虎機以其獨特的主題和豐富的獎勵機制，成為老虎機愛好者的最愛。該遊戲結合了古代戰神的故事背景，讓玩家在遊戲過程中感受到無窮的樂趣。
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VIP 日日返水無上限
富遊娛樂城為 VIP 會員提供無上限的返水優惠，最高可達 0.7%。此活動讓玩家在遊戲的同時，還能享受額外的回饋。
結論
選擇合適的娛樂城不僅能為您的遊戲體驗增色不少，還能通過各種優惠活動獲得更多的利益。無論是新會員還是資深玩家，都能在這些推薦的娛樂城中找到適合自己的遊戲和活動。立即註冊並體驗這些優質娛樂平台，享受無限的遊戲樂趣！
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在現今的娛樂世界中，線上娛樂城已成為眾多玩家的首選。無論是喜歡真人遊戲、老虎機還是體育賽事，每個玩家都能在娛樂城中找到自己的樂趣。以下是一些熱門的娛樂城及其優惠活動，幫助您在選擇娛樂平台時做出明智的決定。
各大熱門娛樂城介紹
1. 富遊娛樂城
富遊娛樂城以其豐富的遊戲選擇和慷慨的優惠活動吸引了大量玩家。新會員只需註冊即可免費獲得體驗金 $168，無需儲值即可輕鬆試玩。此外，富遊娛樂城還提供首存禮金 100% 獎勵，最高可領取 $1000。
2. AT99娛樂城
AT99娛樂城以高品質的遊戲體驗和優秀的客戶服務聞名。該平台提供各種老虎機和真人遊戲，並定期推出新遊戲，讓玩家保持新鮮感。
3. BCR娛樂城
BCR娛樂城是一個新興的平台，專注於提供豐富的體育賽事投注選項。無論是足球、籃球還是其他體育賽事，BCR都能為玩家提供即時的投注體驗。
熱門遊戲推薦
WM真人視訊百家樂
WM真人視訊百家樂是許多玩家的首選，該遊戲提供了真實的賭場體驗，並且玩法簡單，容易上手。
戰神賽特老虎機
戰神賽特老虎機以其獨特的主題和豐富的獎勵機制，成為老虎機愛好者的最愛。該遊戲結合了古代戰神的故事背景，讓玩家在遊戲過程中感受到無窮的樂趣。
最新優惠活動
富遊娛樂城註冊送體驗金
富遊娛樂城新會員獨享 $168 體驗金，無需儲值即可享受全場遊戲，讓您無壓力地體驗不同遊戲的魅力。
VIP 日日返水無上限
富遊娛樂城為 VIP 會員提供無上限的返水優惠，最高可達 0.7%。此活動讓玩家在遊戲的同時，還能享受額外的回饋。
結論
選擇合適的娛樂城不僅能為您的遊戲體驗增色不少，還能通過各種優惠活動獲得更多的利益。無論是新會員還是資深玩家，都能在這些推薦的娛樂城中找到適合自己的遊戲和活動。立即註冊並體驗這些優質娛樂平台，享受無限的遊戲樂趣！
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娛樂城推薦與優惠詳解
在現今的娛樂世界中，線上娛樂城已成為眾多玩家的首選。無論是喜歡真人遊戲、老虎機還是體育賽事，每個玩家都能在娛樂城中找到自己的樂趣。以下是一些熱門的娛樂城及其優惠活動，幫助您在選擇娛樂平台時做出明智的決定。
各大熱門娛樂城介紹
1. 富遊娛樂城
富遊娛樂城以其豐富的遊戲選擇和慷慨的優惠活動吸引了大量玩家。新會員只需註冊即可免費獲得體驗金 $168，無需儲值即可輕鬆試玩。此外，富遊娛樂城還提供首存禮金 100% 獎勵，最高可領取 $1000。
2. AT99娛樂城
AT99娛樂城以高品質的遊戲體驗和優秀的客戶服務聞名。該平台提供各種老虎機和真人遊戲，並定期推出新遊戲，讓玩家保持新鮮感。
3. BCR娛樂城
BCR娛樂城是一個新興的平台，專注於提供豐富的體育賽事投注選項。無論是足球、籃球還是其他體育賽事，BCR都能為玩家提供即時的投注體驗。
熱門遊戲推薦
WM真人視訊百家樂
WM真人視訊百家樂是許多玩家的首選，該遊戲提供了真實的賭場體驗，並且玩法簡單，容易上手。
戰神賽特老虎機
戰神賽特老虎機以其獨特的主題和豐富的獎勵機制，成為老虎機愛好者的最愛。該遊戲結合了古代戰神的故事背景，讓玩家在遊戲過程中感受到無窮的樂趣。
最新優惠活動
富遊娛樂城註冊送體驗金
富遊娛樂城新會員獨享 $168 體驗金，無需儲值即可享受全場遊戲，讓您無壓力地體驗不同遊戲的魅力。
VIP 日日返水無上限
富遊娛樂城為 VIP 會員提供無上限的返水優惠，最高可達 0.7%。此活動讓玩家在遊戲的同時，還能享受額外的回饋。
結論
選擇合適的娛樂城不僅能為您的遊戲體驗增色不少，還能通過各種優惠活動獲得更多的利益。無論是新會員還是資深玩家，都能在這些推薦的娛樂城中找到適合自己的遊戲和活動。立即註冊並體驗這些優質娛樂平台，享受無限的遊戲樂趣！
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