Loan Against Property

 

Godrej Capital's Loan Against Property (LAP) is designed to support business growth with high loan eligibility, flexible EMIs, longer tenures, and a wide range of acceptable collaterals. This loan provides substantial funding based on property value, making it ideal for significant business investments and expansions.

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Udyog Loan Against Property

 

Are you an MSME owner looking to scale your business operations? Take your business to new heights with Godrej Capital Udyog Loan Against Property. Our loan solutions enable business owners to get higher loan eligibility by allowing multiple sources of income to be considered.

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Commercial Property Loan

 

Take your business to the next level with a Commercial Property Loan that finances construction, extension or improvement to make your business goals become reality. With plans designed for your life, you can rest assured that your business empire is in safe hands.

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Balance Transfer

 

Transfer your existing loans to Godrej Capital and experience the benefits of lower interest rates, flexible repayment terms, and significant EMI savings. Enjoy higher eligibility, along with a top up loan, to take care of your extra needs.

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Home Loan

 

Seeking a Home Loan to buy a ready-to-move-in property, an under-construction house, or renovate your current residence? Our Home Loan, featuring low interest rates and flexible EMI plans, is specifically designed to help you accomplish buying your dream home.

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Plot Loan

 

Found the perfect spot to build your future? Our Plot Loans can help make it yours. Our loans offer you the financial help, low interest rates and flexible payment options you need to construct the home of your dreams.

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Professional Loan for Doctors

 

Whether you need working capital to start your own clinic or upgrade your current practice with new facilities and hire skilled staff, our Professional Loans for doctors are here to help you. Apply today for a collateral free loan today!

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Professional Loan for Doctors

 

Whether you need working capital to start your own clinic or upgrade your current practice with new facilities and hire skilled staff, our Professional Loans for doctors are here to help you. Apply today for a collateral free loan today!

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Professional Loan for CAs

 

Godrej Capital's Professional Loan helps CAs in expanding practice, hiring new staff, enhancing equipment, and upgrading services for business growth. Get a loan without collateral and take your career to new heights.

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Business Loan for MSMEs

 

For MSMEs aiming for growth, Godrej Capital Business Loans for small businesses offer the funds needed to expand their business and manage cash flow. Apply for MSME loan without collateral today!

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Business Loan for Women

 

Are you a woman entrepreneur? Godrej Capital's Business Loans for women-owned MSMEs help them fuel growth and meet business needs without any collateral. Apply for a small business loan today!

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

Business Loan

 

Empower your business with Godrej Capital's Business Loan, offering flexible financing solutions to help businesses take the next step for growth. Apply for online Business Loan without collateral today!

 

Key Benefits | Interest Rates | Calculators | Documents Required | FAQs

small business

How Can a Small Business Benefit from an Overdraft Facility?



Small businesses in India, especially Micro, Small, and Medium Enterprises (MSMEs), play a crucial role in the economy. However, these businesses often face financial challenges that can hinder their growth. One valuable financial tool that can help them overcome these challenges is the overdraft facility (OD). Let's explore how a small business can benefit from an overdraft and make use of the facility to help the business grow.

 

1. Managing Cash Flow: An overdraft lets businesses access funds, as and when required from a pre-determined limit, to cover daily costs, buy supplies, and take advantage of new business opportunities. An overdraft loan allows businesses to access funds quickly to cover the gap between their expenses and income. This helps them keep their operations running smoothly. The quick access to funds helps businesses to quickly bridge the gap between their payables and receivables, ensuring smooth business operations.

 

2. Working Capital Management: Maintaining adequate working capital is crucial for small businesses to meet their short-term financial obligations. An overdraft facility provides them with the necessary liquidity to manage their day-to-day expenses, purchase inventory, and seize business opportunities.

 

3. Flexibility: Unlike regular term loans, where businesses have to repay a fixed amount every month, an overdraft facility offers repayment flexibility. Business owners can withdraw funds as needed and repay the borrowed amount at their convenience, with interest being charged only on the utilized amount, thereby reducing financial strain.

 

4. Seasonal Business Support: Many small businesses experience fluctuations in demand due to seasonal trends. An overdraft facility can give businesses ready access to funds to handle such strenuous times, keeping operations stable when demand is high.

 

5. Business Expansion: Access to additional funds through an overdraft facility can support small businesses in expanding their operations. For example, a small garment manufacturer in India may use an overdraft facility to purchase additional raw materials during the festive season, enabling them to fulfill large orders and capitalize on the increased demand.

 

Also Read: Understanding Overdraft Facility: A Simple Explanation

 

6. Emergency Funding: Small businesses may encounter unexpected expenses or emergencies that require immediate funding. Having an overdraft facility in place provides them with a safety net, allowing them to address such situations without disrupting their business operations.

 

7. Improve Credit Score: Timely repayment of overdraft amounts can have a positive impact on a business's credit score. This can be beneficial when applying for large loans or credit in the future. Lenders consider the reliability of the business. This information can impact the approval of the loan or credit. It is important for businesses to establish a track record of reliability. A better credit score helps businesses get loans with lower interest rates, saving money on borrowing expenses.

 

Also Read: What Can You Do To Improve Your Credit Score?

 

In short, an overdraft facility can assist small businesses in India with managing their finances more effectively. It provides flexibility and access to cash when required. This can be beneficial for businesses that may face unexpected expenses or cash flow challenges. An overdraft can help small businesses in India manage their finances better. Small businesses can use an overdraft facility to borrow money. This can help them with financial issues and take advantage of growth opportunities. It also supports the country's economic development.

 

Also Read: Is an Overdraft Facility Better Suited for Your Business Than a Term Loan?

 

Godrej Capital offers Flexi Funds, an overdraft-like facility, along with its loans for businesses such as the unsecured Business Loan, Professional Loan for Chartered Accountants (CAs) and Doctors, and Loan Against Property (LAP) and Udyog LAP in the secured segment. This flexible funding option offers small businesses greater financial control and agility to meet their evolving business needs.

 

Disclaimer: The contents of this article are for information purposes only and not a financial advisory. The information is subject to update, revision, and amendment and may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject Godrej Capital or its Affiliates to any requirements. Godrej Capital or its Affiliates shall not be responsible for any direct/indirect loss or liability incurred by the reader for making any decisions, financial or otherwise based on the contents and information mentioned. For more information, please visit www.godrejcapital.com