What Is a Business Line of Credit?

What Is a Business Line of Credit Vyavsayik Rekha Ke Credit ke Beech lagbhag 33.2 million chhote vyavsay sthitiyon ke beech, vistar ke avasar ka pichhada abhiyan ek kathin chunauti hai. Anek vyavsayon ka samna pratibandhit ya asamanta yukt nakad aane ka hota hai, ek paristhiti jo din prati din ke karyakshamata ko banaye rakhne ke bavjud, avasar utpann hone par ek baadh ke roop mein aati hai.

business lines of credit Yeh nijiyaan avasar par vittiy pahunch ki is seema ke karan chhote vyavsayon ki kshamata ko avardan karne mein rok sakta hai aur, parinat roop se, unki vikas ki sambhavna ko bhi rok sakta hai. Is prakash mein, anek udyam vittiy pahunch ko sudharane ke lie vyavsayik rekha ke credit ko ek takaniki kadam ke roop mein vichar karte hain.

Business Line of credit definition

business lines of credit Ek vyavsayik rekha ke credit ek vittiy utpaadon ke kshetr mein ek credit card ke samaan kaarya karta hai. Manjur karne par, ek chhota vyavsay ek udhaar grahan seema ko alag kar diya jata hai, jo adhikatam udhaar grahan kshamata ko darshata hai.

Chhote vyavsayon ke karj ke ek bade hisse ke prasutikaran ki parampara se alag hokar, vyavsayik rekha ke credit udyogon ko unki ichha anusar unke vittiy rekhaon ka kisi bhaag ya poornatah upayog karne ki shakti pradan karta hai.

Jab chhota vyavsay rekha se paisa udhaar leta hai, to vah udhaarit mool dhan aur koi bhi byaaj ko chadhane ke liye mahine ke bhugtan karna hota hai. Byaaj dar alag ho sakti hai, aksar 8% se 60% tak, haalaanki kuchh adhik APR ke saath aa sakta hai.

Main features of business lines of credit

Samanya roop se, ek vyavsayik rekha ke credit ka mukhya gun yah hota hai ki yah ek parivartit khaata hota hai, jise ek credit card ke samaan mana jaata hai. Rakam udhaar lene ke baad, mahine ke bhugtan ki avashyakta hoti hai. Har bhugtan ke baad, koi aur tips nahin udhaar liye jate hain – mool rashi kam hoti hai.

business credit Chhote vyavsay samriddhi ke roop mein paisa udhaar lene ki kshamata hoti hai jab mool rashi bhugtan kiya jata hai. Udaharan ke liye, agar credit rekha $10,000 ke liye hai aur kampani ne $9,500 ka upayog kiya hai, to uska shesh udhaar grahan shakti $500 hai. Haalaanki, agar chhota vyavsay mool rashi ko $500 se kam karne wala bhugtan karta hai – jisse vartaman rashi ke rup mein mool rashi $9,000 hoti hai – to uske paas shesh credit rekha ke anusaar $1,000 tak udhaar lene ki sambhavna hoti hai.

Iske alawa, byaaj ko keval vartaman udhaar ki rashi ke aadhaar par ganit kiya jata hai, aur credit rekha ke poore maan ko nahin. Udaharan ke liye, agar kampani ke paas ek $10,000 ki credit rekha hai lekin sirf $5,000 ka upayog kiya gaya hai, to byaaj sirf $5,000 par ganit kiya jata hai jo udhaar liya gaya hai.

Prachin roop se, vyavsayik rekha ke credit se jude byaaj dar parivartanashil hote hain, sthir nahin. Is prakaar, pramukh dar parivartan – jo Federal Reserve dvara niyantrit kiye jate hain – arthik karanon par adharit aamataur par apratyaashit hoti hai.

What can you use it for business credit

Aam taur par, vyavsayik rekha ke credit ka upayog vyavsay se sambandhit vibhinn financial avashyakton ko poori karne ke liye kiya ja sakta hai. Ismein aise lagatar opereshanal vyay jaise supplies, payroll, aur inventory shamil hote hain. Iske alawa, chhote vyavsay ko dhan ka upayog samagri, sudhar, marammat ya maintenance karyon ke liye karne ki aazadi hoti hai.

Aksar, vyavsayik rekha ke credit par koi seema vyavsayik upayog ke alawa aur kuchh nahin hoti hai. Vyaktigat kharidaron ya vyayon ke liye vyavsayik rekha ke credit ka upayog karne ki anumati nahin hoti.

Tips for choosing a lender

Agar aap ek vyavsayik rekha ke credit mein ruchi rakhte hain, to aapko apne lender ko dhyan se chunna chahiye. Uplabdha byaj daron ka jaanch karein aur khaaskar jab yah gaharaai se ghaat yaa gareebi ho, to aapko customers ki seva ke mamle mein lender ki pratishtha ka vichar karna chahiye. Iske alawa, bhugtan ke shartein aur company ke shulk tantra ko dekhein, kyonki dono hi aapke poore anubhav ko prabhavit karte hain.

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