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Credit Saison Business Loan
Credit Saison India, a tech-driven non-banking financial corporation, offers an array of loans and asset management services, including the Credit Saison Business Loan. This loan product is specially tailored for small and medium enterprises (SMEs) seeking funding for various business requirements like working capital needs or expansion initiatives.Powered By
Credit Saison Business Loan
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Here are a few factors
| Location | Delhi-NCR |
| CIBIL Score | 680+ |
| Processing | Offline |
| Business Vintage | 3 Year |
| Minimum Turnover | 1 Cr+ |
| Loan Amount & Tenure | 10
Lac- 50 Lac (12 month- 36 Month) |
| Loan Product | Only Term Loan No OD Limit |
| Rate of Interest & Type | Income Program-18% to 19% Banking & GST Program-20%-22% (Reducing) |
| TAT | Sanction-3
Days Disbursement-7 Days |
| Processing Fees | 2% |
| Foreclosure Charges | 4% |
| Applicant Type | Any Self Employed Person |
| Whether Co-Applicant Mandatory | Yes |
| Proprietor Age/Co-Applicant Age | 24 Year-60 Year |
| Part Payment Allowed | No |
| Whether Ownership Proof Required | Yes, Either Office or Residence should be owned within Branch Location |
| Business Registration Proof Mandatory | Yes |
| Program | GST Program-25 Lac, Banking Program-25 Lac, Income Program-50 Lac |
| Product for Professionals | No |
| Negative Profile | Both
Side Rented Applicant, Grain Traders, Advocates, Jewellers, Share Traders,
Gym, Liquor Business, Real Estate |
| USP | 1.
No of Enquiries not matter 2. No. of running loan doesn't matter |
| Additional | 1. 51% Shareholding required on Loan if applicant is LLP/Partnership firm/Company |
Required Documents to Apply for Credit Saison Business Loans
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KYC of applicant & Co-Applicant
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Last 3 year ITR with computation of income of applicant & co-applicant
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Last 3 year audited balance sheet of applicant
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Last 3 year Tax audit report of applicant
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Last 12 month Bank Statement of applicant & co-applicant
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26AS of last 2 year of applicant & co-applicant
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Copy of GST registration
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Copy of MSME registration
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Copy of Last 12 month GST return
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Sanction letter of all running loan
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Debt Sheet
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Latest utility Bill of residence if owned or rent agreement if rented
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Latest utility Bill of Office if owned or rent agreement if rented
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2 Reference with contact details
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Last 3 year Debtors & Creditors on letter head
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List of Directors & Shareholders, if applicant if Company or List of Partners if applicant is Partnership firm/LLP
Note : Credit Saison Business Loan may ask for additional documents based on the applicant’s profile. The above list is for reference purposes only.
Some Important Points
- Company-MOA, AOA, COI , PAN Card
- Partnership Firm/LLP- Partnership Deed & PAN Card
- Proprietorship Firm- PAN Card, Adhaar Card, Passport size photo
- KYC means Adhaar Card, PAN Card, Passport Size Photo
- Company : Directors
- Partnership firm/LLP : Partners
- Proprietorship Firm : Spouse of Proprietor
About Credit Saison Business Loan
Welcome to a world without restrictions, where you may pursue your entrepreneurial aspirations. Introducing the Credit Saison Business Loan, a driver of development, creativity, and resounding achievement in the business world.
Every note of growth and development matters in the composition of the business. With Credit Saison at its side, your company sets off on a journey driven by specialized finance solutions that recognize your particular requirements.
A Credit Saison Business Loan equips you with the means to realize your goals, whether they include starting new businesses or expanding existing ones.
Save Your Time with a Simple Loan Process
Visit Our Website
For the first step, you will have to visit our website to explore the loan options that fit your needs.
Select and Apply
Once you shortlist the loan you have been looking for, apply for it, and proceed with the further process.
Submit Your Document
One of the most important steps. Now you will have to submit all the required documents digitally.
Enjoy Your Financial Freedom!
Once your application is approved based on your eligibility, you will receive your loan amount shortly.
FREQUENTLY ASKED QUESTIONS
Credit Saison Business Loan is a financial service offered by Credit Saison India, a tech-based non-banking financial institution. The loan is intended for SMEs seeking funds for working capital needs, business expansion, or other related purposes.
You can apply for this loan online. Visit the Credit Saison India website, complete the application form and provide your business details. This includes your business name, address, PAN, GSTIN, and bank account information. Documents like KYC, proof of business, and financial statements will also need to be uploaded.
Eligibility criteria include having a registered business (proprietorship, partnership, LLP, or private limited company), being operational for a minimum of 24 months, having an annual turnover of at least Rs. 1 Cr, a positive net worth and cash flow, as well as good credit history and score.
Interest rates start from 18% per annum. Other charges include a processing fee (up to 2% of the loan amount plus GST), penal/additional interest rate (2% per month on the overdue amount plus GST), and miscellaneous charges. Foreclosure charges vary based on the timing of foreclosure.
You can borrow anywhere between Rs. 10 lakh to Rs. 50 lakhs. The duration for the loan can vary between 12 months and 36 months.
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