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Business Loan in Ahmedabad

Apply for Instant Business Loan Online

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Apply for Instant Business Loan Online in Ahmedabad

Empower your business with Adiyogi Enterprise's tailored business loan solutions. Whether you're a startup or looking to expand, we offer competitive interest rates, flexible repayment terms, and a seamless application process. Our expert financial advisors are dedicated to guiding you every step of the way, ensuring a stress-free experience. Unlock the potential of your business with confidence, knowing you have the support of a trusted financial partner. Apply today and take the first step towards achieving your business goals with Adiyogi Enterprise – where your financial success is our priority. Visit us now to learn more about our business loan options and start your journey!

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  • Features
  • Eligibility
  • Documents
  • Fees & Charges

Features of Adiyogi's Business Loan

Here are some key features of a Business loan offered by Adiyogi Enterprise:

  1. Term Loans
  2. Working Capital Loans
  3. Business Expansion Loans
  4. Equipment Financing Loans
  5. Invoice Financing & Bill Discounting
  6. Machinery Loans

  • Business Loan Eligibility Criteria

    1. Business Type: Most lenders provide loans to various types of businesses, including sole proprietorships, partnerships, limited liability companies (LLCs), corporations, and more.
    2. Credit Score: A good credit score is often required to qualify for a business loan. Lenders use your credit history to assess your ability to repay the loan.
    3. Business Age: Some lenders require a minimum operational history for your business, usually ranging from a few months to a year or more.
    4. Annual Revenue: Lenders may have a minimum annual revenue requirement to ensure your business has a stable income.
    5. Collateral: Secured loans might require assets as collateral to secure the loan. Collateral can be real estate, equipment, inventory, or other valuable assets.
    6. Cash Flow: Lenders often evaluate your business's cash flow to determine your ability to repay the loan.
    7. Age Criteria:
    8. : Min. 21 years at the time of loan application & Max. 65 years at the time of loan maturity.
    9. Eligible Entities: Individuals, MSMEs, Sole Proprietorships, Partnership Firms, Public and Private Limited Companies, Limited Liability Partnerships, retailers, traders, manufacturers, and other non-farm income-generating business entities engaged only in the services, trading, and manufacturing sectors
    10. Business Vintage: Min. 1 year or above
    11. Business experience: Min. 1 year, business location to remain same
    12. Annual Turnover: Shall be defined by the Bank/NBFC
    13. Credit Score: 700 or above (Preferred by most private and public sector banks)
    14. Nationality: Indian citizens
    15. Additional Criteria: Applicants must own either a residence, office, shop, or Godown.

    Business Loan Eligible Entities

    1. Eligible Entities: Individuals, MSMEs, Sole Proprietorships, Partnership Firms, Public and Private Limited Companies, Limited Liability Partnerships, retailers, traders, manufacturers, and other non-farm income-generating business entities engaged only in the services, trading, and manufacturing sectors

  • Documents Required for Adiyogi's Business Loan

    1. ITR for the past 2-3 years
    2. Current Bank Account Statement for the last 12 months
    3. Photocopy of PAN Card
    4. Address Proof for Residence such as Voter Card, Passport, Aadhar Card, Telephone Bill, Electricity Bill
    5. Address proof for Business such as the Telephone Bill or Electricity Bill
    6. Last Financial Year's provisional Financials and future year's projections.
    7. Company's business profile on the letterhead
    8. 2 photographs of promoters and property owners.
    9. Sanction letter and Repayment schedule of existing loan
    10. GST registration certificate and GST returns of latest 2 years.
    11. D-Vat/Sale tax registration copy
    12. Udhayam Aadhar registration certificate
    13. Rent agreement copy of factory and residence (if property is rented)
    14. Business Continuity proof of 3 years (3 years old ITR/Company registration etc)
    15. Company PAN Card, Certificate of Incorporation, MOA, AOA, List of Directors, and Shareholding pattern for Pvt Ltd companies
    16. Partnership Deed, Company pan Card for Partnership Companies

    Fees and Charges for Business Loan

    Particulars Charges
    Loan Processing Fees 4999/- to 5% of Loan Amount
    Loan Cancellation Usually 3000 to 5% of Loan Amount
    Stamp Duty Charges 150/- to 300/-
    Legal Fees As per actuals
    Penal Charges Usually 2% per month
    EMI / Cheque Bonus Approx 499/- to 599/-
    FAQ

    Frequently Asked Questions

    • 1. What types of business loans does Adiyogi Enterprise offer?

      Explore the variety of business loan products available, including term loans, lines of credit, equipment financing, commercial real estate loans, and more.

    • 2. What are the eligibility criteria for obtaining a business loan from Adiyogi Enterprise?

      Learn about the requirements such as business revenue, credit score, time in business, industry type, collateral, and other factors necessary to qualify for a business loan.

    • 3. How does Adiyogi Enterprise determine the maximum loan amount I can avail for my business?

      Understand the factors considered, such as business revenue, profitability, creditworthiness, collateral value, and debt service coverage ratio, in determining the maximum loan amount.

    • 4. What documents are required for applying for a business loan with Adiyogi Enterprise?

      Get details on the documentation needed for the application process, including business financial statements, tax returns, business plan, proof of ownership, and other relevant documents.

    • 5. What is the current interest rate offered by Adiyogi Enterprise on business loans?

      Learn about the current interest rates for different types of business loans, including fixed-rate and variable-rate options, and how they affect your monthly payments and overall loan cost.

    • 6. Can I get pre-approved for a business loan with Adiyogi Enterprise?

      Explore the option of obtaining pre-approval for a business loan, which provides assurance of the loan amount you qualify for, streamlining the financing process.

    • 7. What is the maximum loan-to-value (LTV) ratio allowed by Adiyogi Enterprise for business loans?

      Understand the maximum percentage of the business asset value that can be financed through a business loan with Adiyogi Enterprise, which may vary depending on the loan program and your financial situation.

    • 8. What are the repayment options available for business loans from Adiyogi Enterprise?

      Explore the various repayment options offered by Adiyogi Enterprise, including fixed EMIs (Equated Monthly Installments), flexible tenure options, and the possibility of making prepayments without penalties.

    • 9. Can I apply for a business loan jointly with a co-borrower?

      Learn about the advantages of applying for a business loan jointly with a co-borrower, including increased loan eligibility, potentially lower interest rates, and shared responsibility for loan repayment.

    • 10. Are there any additional fees or charges associated with business loans from Adiyogi Enterprise?

      Get information on any processing fees, documentation charges, appraisal fees, closing costs, or other expenses associated with availing a business loan from Adiyogi Enterprise.