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Hiranandani Financial Services Pvt. Ltd.

Loans for
Business Expansion
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  • Collateral free loan
  • Longer tenure loan, easy repayment
  • No guarantor required

Business Loans


Running or expanding a business can become challenging as one has to maintain the required cash flow at all times. A business loan can help greatly in providing the necessary funds at the right time to grow or sustain a business. Applying for small business loans at HFS is very convenient and the funds get disbursed quickly if the eligibility criteria are met. Let’s look at how these loans can be customized as per your business needs.

An unsecured business loan can help a company set up a new branch or upgrade the office space. It can also fulfil the financial needs for growing the team, hiring experts, or scaling up the inventory during this expansion phase. You can also use an unsecured business loan efficiently to ensure that you don’t compromise when it comes to maintenance and repairs. Not just that, it also helps businesses in relieving debts, thus allowing entrepreneurs to explore new avenues with a financial backup.

Uses of business loans:

Upgrade your office
premises/facilities

Complete all pending
office repairs

Increase
working capital

Expand your business by
opening more branches

Pay off your
high-cost debts

Why the HFS business loan is ideal for you:

Easy and fast process:

Applying for a business loan at HFS is a matter of 3 easy steps. Simply call us at your doorstep, apply for a loan, get quick loan approval and receive the necessary funds in your account!

Collateral-free

Yes, you heard that right. Our smart business loans are collateral and guarantor-free, so you don’t have to be worried about either. As long as you have the zeal to grow, our business loans are just right for you.

Repayment tenure

The tenure for smart loans or collateral-free loans goes up to 5 years; while that for secured business loans goes for as long as your business needs. At HFS, you have the flexibility to choose the type of loan and tenure depending on your requirements.

Hassle-Free documentation

We understand that receiving the right funds at the right time is crucial for any business. With minimal documents, we ensure faster disbursal of the business loan.

Loan in 3 easy steps

Step 1 Step 1 Call us at
your doorstep
Step 2 Step 2 Quick loan
approvals
Step 3 Step 3 Get funds into
your account
Smart Business Loan
  • Loans up to 25 Lakhs

Now, avail unsecured business loans worth up to Rs. 25 Lakhs and give wings to your dreams.

  • Tenure ranging from 12 to 60 months

With a flexible tenure ranging from 12 months to 60 months, you can now focus on your business goals, while we take care of your financial needs.

  • No guarantor/security required

There’s no need to put any of your assets or properties at risk by mortgaging them. Once you are eligible for our smart business loan, you can avail your loan without any security.

  • Convenience of doorstep service

Why step out when your business loan is just a click away! Just apply for the business loan and our executives will be more than happy to help you at your place.

  • Attractive Rate of Interest

Depending on the loan amount and tenure, HFS offers unsecured business loans at affordable interest rates, so you can fulfill your business expansion dreams without any burden.

Secured Business Loan
  • Loan up to Rs. 2 Crore

You can get a secured business loan at HFS worth up to Rs. 2 Crore if you have the required collateral to back the loan.

  • Loan up to 70% of the market value of the property

You are eligible to get a loan amount of up to 70% of the property’s market value. The business loan will be disbursed once the property is thoroughly evaluated.

  • Longer tenure as per business needs

Our secured business loans are more flexible in terms of tenure, thus helping you reduce the burden of heavy EMIs.
 

  • Attractive interest rates

Get the funds you are looking for to grow your business at reasonable interest rates, depending on the loan amount and tenure.
 

  • Balance transfer facility

At any point in time, when you feel that you want to retire your high-cost debt, you can simply transfer the balance and relieve yourself from the EMIs.

Self-employed (Individuals)

  Self-Employed (Individuals) include self-employed - Sole proprietors, Partners & Directors in firms in the Business of Manufacturing, Trading or Services.

Documents required:

  • Proof of Identity: Passport / Voters ID / Driving License / PAN Card / Aadhar Card
  • Address Proof: Driving License / Voter ID / Utility Bill (Latest 2 months) / Registered Rental Agreement / Passport
  • Bank Statements: Latest 6 months' bank statements / 6 months’ bank passbook
  • Latest ITR along with computation of income, B/S & P&L a/c for the last 2 years certified by a CA
  • Business Continuity Proof: Shops and Establishment License / GST Registration Certificate / VAT Returns / Sales Tax Returns
  • Other Documents: Certified copy of Partnership Deed, Certified copy of MOA / AOA.

Additional Document Required:

  • Only for secured Business loan - Copy of all property documents

Private Limited Cos and Partnership Firms

 Private Limited Cos and Partnership Firms engaged in the Business of Manufacturing, Trading or Services

Documents required :

  •  ID / Business Continuity Proof: PAN Card / S&E License / Tax Returns / Utility Bill
  •  Address Proof: Utility Bill (Latest 2 months) / Registered Rental Agreement
  •  Bank Statements: Latest 6 months' bank statements / 6 months’ bank passbook
  • Latest ITR along with computation of income, B/S & P&L a/c for the last 2 years certified by a CA
  • Other Documents: Certified copy of Partnership Deed, Certified true copy of Memorandum & Articles of Association

Additional Document Required :

  • Only for secured Business loan - Copy of all property documents

Self-employed (Professionals)

  Self-Employed (Professionals) include self - employed Doctors, Chartered Accountants & Architects.

Documents required:

  • ID Proof: Passport / Voters ID / Driving License / PAN Card / Aadhar Card
  • Address Proof: Driving License / Voter ID / Utility Bill (Latest 2 months) / Registered Rental Agreement / Passport
  • Bank Statements: Latest 12 months' bank statements / 12 months’ bank passbook
  • Latest ITR along with computation of income, B/S & P&L A/c for the last 2 years certified by a CA

Additional Document Required:

  • Only for secured Business loan - Copy of all property documents

Self-employed (Individuals)

  Self-Employed (Individuals) include self-employed - Sole proprietors, Partners & Directors of firms in the Business of Manufacturing, Trading or Services.

Documents required:

  • • Minimum age of Applicant: 21 years
  • • Years in business: Minimum 3 years
  • • Minimum Annual Income: ₹ 2, 00,000/- p.a.

Private Limited Cos and Partnership Firms

  Private Limited Cos and Partnership Firms engaged in the Business of Manufacturing, Trading or Services

  • Years in business: Minimum 3 years
  • Minimum Annual Income: ₹ 200000/- p.a.
  • Business must be profit making for the last 2 years

Self-employed (Professionals)

  Self-Employed (Professionals) include self - employed Doctors, Chartered Accountants & Architects.

  • Minimum age of applicant: 21 years
  • Years in business: Minimum 3 years
  • Minimum Annual Income: ₹ 2, 00,000 p.a.