SIR,
AS WE KNOW THAT FUNDING IS VERY IMPORTANT IN EVERY BUSINESS OR STARTUP. THIS IS NOT ONLY TO START A BUSINESS IT IS IMPORTANT IN MANY PLACES OR PHASES OF YOUR BUSINESS,
YOU CAN GET MONEY FROM YOUR SAVINGS, BY YOUR FRIENDS AND RELATIVES, BUT IN SOME CASES IT IS NOT POSSIBLE FOR ALL THEN YOU HAVE ONE CHANCE TO APPLY FOR LOAN IN A BANK BUT REMEMBER IT IS VERY DIFFICULT PROCESS BECAUSE BANKS HAVE VERY HARD TO GIVE LOAN TO NEW COMMER IN MARKET IT IS EASY TO GET LOAN WHEN YOU HAVE AN SUSTAINABLE BUSINESS IF YOU NOT HAVE THEN AN SUSTAINABLE BUSINESS AND YOU START YOUR BUSINESS FIRST WITH YOUR VERY NEW IDEA THEN:-
THEN MOST COMMON WAY IS BY SHARE MARKET THIS IS NEW AND ONE OF THE SUCCESSFUL PROCESS, MEANS IN THIS YOU HAVE TO START WITH STOCK MARKET AND BY THAT YOU CAN START EARNING AND START SAVING THOSE STOCK MARKET EARNING AND SAVE MONEY FOR YOUR NEW BUSINESS, ONE ANOTHER HIDDEN PROFIT BY THIS PROCESS IS THAT YOU EASILY UNDERSTAND ABOUT STOCK OR SHARE MARKET THEN YOU CAN LAUNCH YOUR OWN IPO'S AND BY THAT YOU GET MONEY FROM INVESTORS BY GIVING SHARES OF YOUR COMPANY.
IF YOU WANT EXAMPLE THEN FOCUS SIR--- AMAZON IS THE COMPANY WHICH GETS HIS STARTING FUNDING FROM SAVING OF SHARE MARKET AND BY GETTING ALL KNOWLEDGE AMAZON IS ABLE TO LAUNCH HIS IPO'S SUCCESSFULLY, AND YOU KNOW ABOUT THE SUCCESS OF THAT COMPANY.
FOR THAT TYPE OF MORE FUNDING SOURCE PLEASE VISIT ON THIS ---
THE BEST BUSINESS LOANS....------ FUND FOR YOUR BUSINESS
FUND BASES LOANS. : - BORROWER CAN WITHDRAW FUNDS ANYTIME WITHIN SANCTIONED AMOUNT.
FUND BASED LOAN ARE THOSE LOAN WHICH YOU CAN WITHDRAW ANY TIME DEPENDING UPON YOUR SANCTIONED AMOUNT.
FOR EXAMPLE--- IF YOU GET LOAN OF 50 LAKHS AND THAT LOAN IS FUND BASED LOAN THEN YOU CAN WITHDRAW 50 LAKHS AT A SINGLE TIME OR YOU CAN ALSO WITHDRAW 20 THEN 10 THEN 10 WITH SOME PERIOD OF TIME, BUT THIS LOAN IS ALSO DIVIDED into SOME CATEGORIES.
SO,
TYPES OF FUND BASED LOANS:-- 1. TERM LOANS -- THESE ARE SHORT TERM LOANS TO PURCHASE OR CREATE INCOME PRODUCING ASSETS.
TERM LOANS ARE BASICALLY THOSE LOANS WHICH YOU GET TO CREATE OR PRODUCE AN ASSETS. THESE ASSETS ARE JUST LIKE IF YOU WANT TO BUY A LAND OR BUILDINGS OR WANT TO CREATE A PLANT AND MACHINERY OR YOU WANT SOME EQUIPMENT FOR YOUR BUSINESS THEN BY GIVING THOSE DETAILS YOU GET THIS TERM LOAN FROM BANK.
TERM LOAN IS ALSO KNOW AS SHORT TERM LOAN BECAUSE this LOAN IS GIVEN ONLY FOR 1 TO 5 YEARS.
2. PROJECT FINANCING:-- THESE ARE THE LONG TERM LOANS TO CREATE OR ACQUIRE SIZED ASSETS E.G. INFRASTRUCTURE AND REAL ESTATE PROJECT, LARGE SCALE PLANT AND MACHINERY.
PROJECT FINANCING IS JUST LIKE A MEETING OR DISCUSSION OF FULL DETAILS OF YOUR BUSINESS IT CONSIST BIG STEEL PLANTS, COAL PLANTS, VERY LARGE SCALE PROJECTS WHICH CAN BE PIPELINE PROJECT ROAD PROJECT IT CAN BE YOU FACTORY FOR WHICH NEED VERY LARGE AMOUNT OF MONEY THEN YOU CAN APPLY FOR THIS TYPE OF LOANS.
PROJECT FINANCING LOAN IS FOR MORE THEN 5 YEARS IT CAN BE FOR 20 TO 25 YEARS.
3. BALLOON LOANS:-- INTEREST IS PAID DURING THE TERM OF THE LOAN, PRINCIPAL IS PAID AT THE END OF TIME.
IT IS JUST LIKE TERM LOAN BUT IN TERM LOAN YOU HAVE TO GIVE EMI WHICH YOU CAN GIVE MONTHLY, QUARTERLY, HALF YEARLY, OR YEARLY, AND IN EMI YOU GIVE SOME PART OF INTEREST AND SOME PART OF PRINCIPAL ON THAT PERIOD OF TIME. BUT IN CASE OF BALLOON LOANS YOU ARE GOING TO ONLY GIVE AMOUNT OF INTEREST IN FULL-TIME PERIOD AND GIVE the WHOLE AMOUNT AT THE END OF TIME PERIOD.
4. WORKING CAPITAL LOANS----
1. CASH CREDIT:-- SECURED AGAINST INVENTORY RECEIVABLES. LET SAY THAT YOU START A BUSINESS AND FOR BUYING RAW MATERIAL, FOR MANUFACTURING, FOR MARKETING YOU NEED SOME MONEY AND BEFORE START SALES YOU HAVE TO MANEGE ALL THE ABOVE EXPENSES BY YOUR OWN POCKET THEN YOU NEED MONEY AND FOR THAT CAPITAL BANK GIVES WORKING CAPITAL LOANS.
SOME LOANS SUCH AS PRE-SHIPMENT AND POST-SHIPMENT FINANCE AND PURCHASE FINANCE ALL ARE MOSTLY USED IN INTERNATIONAL TRADING.
GOVERNMENT SCHEMES:-- THIS IS SCHEME LAUNCH BY GOVERNMENT WHICH IS P.M MUDRA YOJNA, IN THIS YOJNA YOU HAVE TO DISCUSS BUSINESS LOAN WITH GOVERNMENT AND IF YOUR IDEA IS PROBLEM-SOLVING THEN YOU GET BEST LOAN FOR YOUR BUSINESS.
REMEMBER FRIENDS FUNDING IS TOTALLY DEPENDS ON YOUR BUSINESS IDEA. AND IF THAT IDEA IS VERY BEST THEN YOU GET VERY BEST LOAN, BEST IDEA MEANS THINK WHICH PROBLEM IS SOLVE BY YOUR BUSINESS IDEA, IF IT IS IMPORTANT THEN YOU BECOME A SUCCESSFUL BUSINESS.....
AS WE KNOW THAT FUNDING IS VERY IMPORTANT IN EVERY BUSINESS OR STARTUP. THIS IS NOT ONLY TO START A BUSINESS IT IS IMPORTANT IN MANY PLACES OR PHASES OF YOUR BUSINESS,
YOU CAN GET MONEY FROM YOUR SAVINGS, BY YOUR FRIENDS AND RELATIVES, BUT IN SOME CASES IT IS NOT POSSIBLE FOR ALL THEN YOU HAVE ONE CHANCE TO APPLY FOR LOAN IN A BANK BUT REMEMBER IT IS VERY DIFFICULT PROCESS BECAUSE BANKS HAVE VERY HARD TO GIVE LOAN TO NEW COMMER IN MARKET IT IS EASY TO GET LOAN WHEN YOU HAVE AN SUSTAINABLE BUSINESS IF YOU NOT HAVE THEN AN SUSTAINABLE BUSINESS AND YOU START YOUR BUSINESS FIRST WITH YOUR VERY NEW IDEA THEN:-
WHAT ARE THE LOANS WHICH YOU CAN GET FOR BUSINESS.
THEN MOST COMMON WAY IS BY SHARE MARKET THIS IS NEW AND ONE OF THE SUCCESSFUL PROCESS, MEANS IN THIS YOU HAVE TO START WITH STOCK MARKET AND BY THAT YOU CAN START EARNING AND START SAVING THOSE STOCK MARKET EARNING AND SAVE MONEY FOR YOUR NEW BUSINESS, ONE ANOTHER HIDDEN PROFIT BY THIS PROCESS IS THAT YOU EASILY UNDERSTAND ABOUT STOCK OR SHARE MARKET THEN YOU CAN LAUNCH YOUR OWN IPO'S AND BY THAT YOU GET MONEY FROM INVESTORS BY GIVING SHARES OF YOUR COMPANY.
IF YOU WANT EXAMPLE THEN FOCUS SIR--- AMAZON IS THE COMPANY WHICH GETS HIS STARTING FUNDING FROM SAVING OF SHARE MARKET AND BY GETTING ALL KNOWLEDGE AMAZON IS ABLE TO LAUNCH HIS IPO'S SUCCESSFULLY, AND YOU KNOW ABOUT THE SUCCESS OF THAT COMPANY.
FOR THAT TYPE OF MORE FUNDING SOURCE PLEASE VISIT ON THIS ---
THE BEST BUSINESS LOANS....------ FUND FOR YOUR BUSINESS
BUT NOW WE FOCUS ONLY ON THE TYPE OF LOANS WHICH YOU GET VERY FAST AND VERY SOON FROM BANKS, WE ALSO TALK ABOUT FUND BASED CREDIT FACILITIES AND NON FUND BASED CREDIT FACILITIES.
TYPE OF BUSINESS LOANS:-FUND BASES LOANS. : - BORROWER CAN WITHDRAW FUNDS ANYTIME WITHIN SANCTIONED AMOUNT.
FUND BASED LOAN ARE THOSE LOAN WHICH YOU CAN WITHDRAW ANY TIME DEPENDING UPON YOUR SANCTIONED AMOUNT.
FOR EXAMPLE--- IF YOU GET LOAN OF 50 LAKHS AND THAT LOAN IS FUND BASED LOAN THEN YOU CAN WITHDRAW 50 LAKHS AT A SINGLE TIME OR YOU CAN ALSO WITHDRAW 20 THEN 10 THEN 10 WITH SOME PERIOD OF TIME, BUT THIS LOAN IS ALSO DIVIDED into SOME CATEGORIES.
SO,
TYPES OF FUND BASED LOANS:-- 1. TERM LOANS -- THESE ARE SHORT TERM LOANS TO PURCHASE OR CREATE INCOME PRODUCING ASSETS.
TERM LOANS ARE BASICALLY THOSE LOANS WHICH YOU GET TO CREATE OR PRODUCE AN ASSETS. THESE ASSETS ARE JUST LIKE IF YOU WANT TO BUY A LAND OR BUILDINGS OR WANT TO CREATE A PLANT AND MACHINERY OR YOU WANT SOME EQUIPMENT FOR YOUR BUSINESS THEN BY GIVING THOSE DETAILS YOU GET THIS TERM LOAN FROM BANK.
TERM LOAN IS ALSO KNOW AS SHORT TERM LOAN BECAUSE this LOAN IS GIVEN ONLY FOR 1 TO 5 YEARS.
2. PROJECT FINANCING:-- THESE ARE THE LONG TERM LOANS TO CREATE OR ACQUIRE SIZED ASSETS E.G. INFRASTRUCTURE AND REAL ESTATE PROJECT, LARGE SCALE PLANT AND MACHINERY.
PROJECT FINANCING IS JUST LIKE A MEETING OR DISCUSSION OF FULL DETAILS OF YOUR BUSINESS IT CONSIST BIG STEEL PLANTS, COAL PLANTS, VERY LARGE SCALE PROJECTS WHICH CAN BE PIPELINE PROJECT ROAD PROJECT IT CAN BE YOU FACTORY FOR WHICH NEED VERY LARGE AMOUNT OF MONEY THEN YOU CAN APPLY FOR THIS TYPE OF LOANS.
PROJECT FINANCING LOAN IS FOR MORE THEN 5 YEARS IT CAN BE FOR 20 TO 25 YEARS.
3. BALLOON LOANS:-- INTEREST IS PAID DURING THE TERM OF THE LOAN, PRINCIPAL IS PAID AT THE END OF TIME.
IT IS JUST LIKE TERM LOAN BUT IN TERM LOAN YOU HAVE TO GIVE EMI WHICH YOU CAN GIVE MONTHLY, QUARTERLY, HALF YEARLY, OR YEARLY, AND IN EMI YOU GIVE SOME PART OF INTEREST AND SOME PART OF PRINCIPAL ON THAT PERIOD OF TIME. BUT IN CASE OF BALLOON LOANS YOU ARE GOING TO ONLY GIVE AMOUNT OF INTEREST IN FULL-TIME PERIOD AND GIVE the WHOLE AMOUNT AT THE END OF TIME PERIOD.
4. WORKING CAPITAL LOANS----
1. CASH CREDIT:-- SECURED AGAINST INVENTORY RECEIVABLES. LET SAY THAT YOU START A BUSINESS AND FOR BUYING RAW MATERIAL, FOR MANUFACTURING, FOR MARKETING YOU NEED SOME MONEY AND BEFORE START SALES YOU HAVE TO MANEGE ALL THE ABOVE EXPENSES BY YOUR OWN POCKET THEN YOU NEED MONEY AND FOR THAT CAPITAL BANK GIVES WORKING CAPITAL LOANS.
SOME LOANS SUCH AS PRE-SHIPMENT AND POST-SHIPMENT FINANCE AND PURCHASE FINANCE ALL ARE MOSTLY USED IN INTERNATIONAL TRADING.
SOME LOAN FOR SMALL STARTUP-------
SME COLLATERAL FREE LOAN:-- THESE LOAN ARE SMALL AMOUNT BUT YOU CAN GET BETTER AMOUNT FOR SMALL STARTUP. THIS LOAN IS COLLATERAL FREE, AND BETTER FOR NEW BUSINESSMAN WHO starts NEW BUSINESS,GOVERNMENT SCHEMES:-- THIS IS SCHEME LAUNCH BY GOVERNMENT WHICH IS P.M MUDRA YOJNA, IN THIS YOJNA YOU HAVE TO DISCUSS BUSINESS LOAN WITH GOVERNMENT AND IF YOUR IDEA IS PROBLEM-SOLVING THEN YOU GET BEST LOAN FOR YOUR BUSINESS.
REMEMBER FRIENDS FUNDING IS TOTALLY DEPENDS ON YOUR BUSINESS IDEA. AND IF THAT IDEA IS VERY BEST THEN YOU GET VERY BEST LOAN, BEST IDEA MEANS THINK WHICH PROBLEM IS SOLVE BY YOUR BUSINESS IDEA, IF IT IS IMPORTANT THEN YOU BECOME A SUCCESSFUL BUSINESS..... 
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