Who is eligible for small business loan?

Who is eligible for small business loan? Halaanki, jab aap chhoti udyog rinn ke liye aavedan karte hain, tab adhikansh rinn dene wale common maang ki sharten dekhte hain. Yahaan kuch mukhya karan hain jo yogyata ko nirdhaarit kar sakte hain:

Who is eligible for small business loan?
Who is eligible for small business loan?

Who is eligible for small business loan?

  1. Business Age: Aksar, rinn dene wale lagabhag 1-2 varsh purane vyavasaayon ko hi rin pradaan karte hain. Vyapar ka yeh umraka huna ek visheshagya mudda ho sakta hai, kyonki yeh pratishthit karta hai ki vyavasaay sthayi hai aur safalta se chalaaya ja sakta hai.
  2. Credit Score: Udyami ka vyaapaarik credit score bhi ek mahatvapurn maanak hota hai jo unki yogyata ko darshata hai. Achha credit score, jaise ki 700 ya usase adhik, rinn prapt karne mein madad karta hai, jabki kharab score rinn dene ke aavedan ko thuka dene ka karan ho sakta hai.
  3. Annual Revenue: Vyapar ke varshik aay ko bhi maanakaar rinn dene wale aapki yogyata ko nirnayit karte hain. Adhik varshik aay vaale vyavasaayon ko aksar aasani se rin diya jaata hai kyonki yeh unki vyaapaarik sthirta ko darshata hai.
  4. Business Plan: Udyami ka vyaparik yojana bhi ek mahatvapurn factor hai. Ek spasht aur vyavsayik vyaparik yojana, jo aapke vyaapaar ki vruddhi ki uchit disha mein pragatisheel ho, rinn pradaan karne wale ko yogyata pradaan kar sakta hai.
  5. Collateral: Kuch rinn dene wale girvi ke roop mein sampatti ki guarantee maang sakte hain. Is prakar, jinke paas girvi ke rup mein dhan rakha hua hai, ve aksar adhik rin prapt karne ke adhikar hote hain.
  6. Debt-to-Income Ratio: Rinn dene wale aksar udyami ka rin aur aay ka anupaat bhi dekhte hain. Yadi aapke rin aur aay ka anupaat achha hai, to aapki yogyata badh jaati hai.

small business loan in yogyata moolyon ko poora karne se aapke chhote udyog ka rin praapt karne ke avsar badh jaate hain. Halaanki, behtar udyog ke vittaai avashyaktaaon aur lakshyon ke liye sabse uttam anupaat ki khoj karne, anagat rinn chayan ko tulna karne aur niyamon aur sharten dhyaan se padhne ke pehle, alag-alag rin dene waale bankon ki khoj karna aur vichar karna mahatvapurn hai.

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