Business Loan for Capital expenditure and Working Capital Requirement in Details
A business loan is a type of financing that is provided to a company in order to help it grow or expand. Business loans can be obtained from a variety of sources, including banks, credit unions, and online lenders. They can be secured or unsecured, and the terms and interest rates will vary depending on the lender and the creditworthiness of the borrower. Business loans can be used for a variety of purposes, such as purchasing equipment, expanding operations, or hiring additional staff.
A term loan for a business is a type of financing where a lender provides a lump sum of money to a borrower, and the borrower is expected to repay the loan, plus interest, over a fixed period of time. The term of the loan is typically 1-5 years, and the interest rate is usually fixed. The loan is typically secured by some form of collateral, such as real estate or equipment. The loan can be used for a variety of business purposes, such as purchasing equipment, expanding operations, or hiring additional staff. The repayment of the loan can be made in regular installment payments, or with a balloon payment at the end of the loan term.
A cash credit limit for a business is a type of revolving credit facility provided by a lender, where a business can borrow up to a certain limit, and then repay the amount borrowed, along with interest, over a period of time. The limit is determined by the lender, taking into account factors such as the creditworthiness of the business and the value of any collateral offered.
The business can borrow and repay money up to the limit as many times as they want, as long as they do not exceed the limit. Interest is charged only on the outstanding amount borrowed, and not on the entire limit. The interest rate is usually variable, based on an index such as the Prime Lending Rate. This type of loan is typically secured by some form of collateral, such as inventory or receivables. It can be used to finance short-term working capital needs such as purchase of raw materials, payment of wages, or to meet other short-term obligations.
Chapter of Video
00:00 what is business loan
00:43 5 Steps in business loan
01:36 types of business loan
01:55 Term Loan
02:11 common use of term loan for business
03:47 features of Term Loan
04:46 Term Loan required for Toy Factory
05:31 Working capital loan
06:22 What is working capital loan
07:05 Working capital cycle in details
07:54 types og working capital bank finance
08:41 Appraisal and assessment of working capital
09:28 how cash credit limits works
11:29 Working capital required in case of toy factory
14:30 how to apply for business loan
Murari Garg
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“अपना बैंक मैनेजर ” Presenting Video – Business Loan for Capital expenditure and Working Capital Requirement in Details ,
Business Loan for Capital expenditure and Working Capital Requirement in Details
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