Business Loans ranging from Rs.75K to Rs.55L with a tenure starting from 6 months.


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Basic Eligibility Criteria

You're probably eligible for a Loan if you are

  • At Least 23 Years Old

  • Less Than 65 Years Old

  • Minimum Net Annual ITR 1.5 Lakh

  • Must have a 6 month old current account

  • Business must be 2 years old

  • No Collateral required

Get the Best Business Loan in Kolkata @ Realfinserv

 A lot of businesses start in a small way. But gradually, and ultimately, the business has to expand its roots, and this concept requires a lot of funds. Your own funds can help in expansion but up to a limited extent. So, here comes the importance of business loan in Kolkata so that one can have a free hand to expand the business in whichever the way one wants.
Applying for the business loan with the help of Realfinserv is the most preferred option among all the businessmen. We help to provide the facility to the businessman so that they can expand with no worries in their mind and achieve a lot of growth of the business. 
We provide loans that don’t require any kind of security. We also have the best team of relationship-based officers who can help to provide the several financing options to the business owners and will also help in assisting them in choosing the best one depending upon the needs and requirements.

The availing of a business loan can help to provide several benefits to the business owners such as:

 Quick disbursal: Nowadays, the banks can disburse a business loan as quickly as possible, and there will be no need to worry about the operations of the business. At any point in time, they will be no stoppage of operations of a business just because of lack of funds. A lot of banks provide the option of the loan in 48 hours to the esteemed consumers so that business can grow in the best possible way.
Least documentation required: Another great benefit of the business loans is that there is no need for paperwork to avail such loans. The consumers can even get the loan with the help of no collateral or security. Each need of the business ranging from expansion to fulfilling the working capital requirement can be very easily fulfilled with the services of banks in the form of business loans.
Competitive interest rate: The business loan provider in Kolkata charge a very genuine rate of interest, and these rates are highly competitive in comparison to all other options. So, a business owner can now avail a business loan with no worry about the large repayments. The interest rates can vary from consumer to consumer depending upon his or her creditworthiness, tenure of loan and the purpose for which one is availing the loan. Mostly, the rate of interest ranges from 11% to 23% approximately.
Flexible tenures: In these cases, people have the option of choosing the tenure of the loan. In case one wants to take a loan for a short period to meet the working capital requirements, then one can go with the option of taking a loan for one year. But, in case one aims to expand the business, then one can take the loan for a longer period, for example, 4 years or five years.
Extremely convenient and accessible: These loans are highly convenient from business owners’ point of view. One can also follow a proper repayment-based plan depending upon the cash flow of the business so that there is no financial difficulty of the business. The business owners can also increase or decrease the monthly payment depending upon their profitability. So, it helps to provide a high level of convenience and accessibility to the business owners.
Offer tax benefits: The interest which has to be paid on business loans is always tax-deductible. These types of expenses will be deducted from the revenue of the business at the time of calculating the tax amount. So, it can help in tax exemption. Another great benefit to the business owners is that these interest payments can be written off in the form of business expenditures.
Other benefits: In case any of the business owners take a personal loan for business, then also it will be tax-deductible. It will help in reducing the amount of tax to be paid. Some basic criteria are to be fulfilled by the borrower at the time of availing the deduction on interest.
To avail small business loans in Kolkata is no more a time consuming and a complex task. One must always assess the requirements of the business very efficiently so that one can understand the need of the situation. After properly understanding the whole situation and scenario, one must decide on availing a business loan so that all the benefits mentioned above can be availed, and the purpose of the business can be fulfilled.

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