Business Loan
- Services
- Business Loan
welcome to RIG SAMHITA INDIA PRIVATE LIMITED
💼Business Loan – Power Your Growth, Fuel Your Dreams
Running a business requires more than just vision—it needs the right financial support. Our Business Loans are designed to give you the funds you need for expansion, working capital, inventory, or any other business requirement.
Types of Business Loans
At Rig Samhita India Pvt. Ltd., we offer a wide range of business loan solutions tailored to meet diverse financial needs:
Term Loans – Fixed amount for expansion, equipment, or capital needs.
Working Capital Loans – Short-term funds for daily operations.
Overdraft Facility – Flexible credit limit; interest only on used amount.
Invoice Financing / Factoring – Borrow against unpaid invoices to improve cash flow.
Lines of Credit – Revolving credit for recurring financial needs.
Equipment Financing – Purchase machinery or equipment, often collateral-backed.
Business Credit Cards – Convenient short-term borrowing for expenses.
Government-Backed Loans – Special schemes for startups & MSMEs with lower rates.
Benefits of Business Loans
- Business Expansion – Funds for growth, new branches, or product lines.
- Improved Cash Flow – Maintain smooth operations and manage working capital.
- Equipment & Asset Purchase – Finance machinery, technology, or office setup.
- Flexibility – Choose loan type, tenure, and repayment options as per needs.
- Boost Credit Score – Timely repayments enhance business creditworthiness.
- Seize Opportunities – Quick access to funds for unexpected opportunities or emergencies.
- Tax Benefits – Interest paid may be eligible for tax deductions (as per regulations).
Apply for Best Business Loan Offers with Low Interest Rates
Key Features of Business Loans
- Flexible Loan Amount – Borrow as per business needs.
- Varied Tenure – Short-term or long-term repayment options.
- Competitive Interest Rates – Affordable rates depending on loan type & creditworthiness.
- Quick Disbursal – Fast processing for eligible businesses.
- Multi-Purpose Use – Expansion, working capital, equipment, or emergencies.
- Secured & Unsecured Options – Collateral-backed or without security.
- Pre-Approved Offers – Instant loans for eligible existing customers.
Eligibility for Business Loans
Business Age – Usually at least 1–3 years in operation (varies by lender).
Revenue / Turnover – Minimum annual turnover as per lender criteria.
Credit Score – Good business & personal credit history (typically 700+).
Profitability – Demonstrated profits or stable financials.
Business Type – Sole proprietorship, partnership, LLP, or private limited company.
Documentation – Financial statements, bank statements, tax returns, and KYC documents.
Collateral (if required) – For secured loans like term loans or equipment financing.
Documents Required
Aadhaar Card, Passport, Voter ID, PAN Card, or Driving License
Aadhaar Card, Passport, Utility Bill (Electricity/Water/Gas), or Ration Card
Latest 3 months’ salary slips, Form 16, or most recent ITR
Last 6 months’ bank statements
Employee ID Card or Appointment Letter
Recent passport-sized photographs
- Other: Any additional documents as specified by the lender, such as employment verification, NOC from housing society, or business registration proof for self-employed applicants.