small-business-loans-gujral-finance-inc

Small Business Loans

If you are a Small Business, you require capital for business growth purposes, but you should be able to pay back loans taken from Creditors, institution and bankers and be able to show it through the paperwork you provide to obtain the loan. You may require these services if:

  • Starting a new business venture on your own or through a partner
  • Expanding the business creating new avenues of wealth
  • Procuring new equipment in a process to expand the business
  • Expanding into new locations and developing new markets

In order to get extra investments you should be able to represent your business and the growth you are projecting through business plans and should be able to show your business is a worthwhile investment.

Debt Financing

Debt financing are used by companies to fund certain activities of growth but you should be able to repay the amount of financing through installment on a fixed cycle of payment.

Commercial Term Loans: Such loans are given to companies in need, and require to be paid back in fixed installment in a period of 3-5 years and require a fixed interest payment as well.

Lines of Credit: As with commercial loans, you have a fixed amount of credit, which gets used up whenever the credit is used up in funding services of the company, and will be replenished when the payment is received.

Credit Cards: With credit cards, the rate of interest rate is double or even triple the amount of lines of credit or commercial loans and are fixed amount of credit.

Microcredit: This can be used as a line of credit of small amount which can be used to fund starting companies.

Supplier Credit: In this the supplier will provide you the goods to be supplied and you can make a payment in a fixed amount of time with interest payment.

Commercial Mortgage: In this we consider the land, building or any commercial property which is to be bought as a guarantee in getting loans; this is a long term loan to be used by most companies in expansion measures

Leasing: In this we consider the leasing of property in place of purchasing the real estate or cars or machinery as it requires no down payment and have fixed payback amount for the time the leasing is done.

Leasing: In this we consider the leasing of property in place of purchasing the real estate or cars or machinery as it requires no down payment and have fixed payback amount for the time the leasing is done.

Equity Financing

In equity financing, we consider the investment taken from individual in place of lenders and who get a stake in the profit of the high value product which is being sold.

Angel investors: This requires the contribution provided by angel investors in creating investment for small business and start-up in place for a stake in the profit margin earned which could be earned in place of investment elsewhere.

Venture Capital: This requires the investment of capital in place of high growth potential, typically in the early stages of business development.

Crowdfunding: This is done over the internet with the help of communities, individual and forums where you get the financing for a small fee.

Business Incubator: Business Incubator act as a one stop shop to receive funding for startup business in creating funds to be used in the services of starting and expansion of startup.