Nishit Bhandari is a finance professional and content strategist at FlexiLoans. He focuses on MSME, business, and term loan solutions. With over 5 years of expertise in digital lending and credit access, he creates content that helps entrepreneurs make informed financial decisions. His work is driven by a passion to simplify complex finance concepts and empower small businesses to grow with confidence. Nishit holds an MBA in Finance from NMIMS, Mumbai, and is a Certified Credit Professional from IIBF.
125 articles published
Odisha is home to the largest lion safari in the world and also a rich cultural heritage. The allure of Odisha, however, goes just beyond this. The state has maintained growth of over 7% and attained the highest GSVA (gross state value added) of 10% in the industrial sector out of 19 states. What this …
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Launching a new venture is exciting, but securing funds can be challenging. Fortunately, the Indian government offers various startup loan schemes to support emerging entrepreneurs. These programs provide essential financial assistance, making it easier to access capital and grow your enterprise. This guide covers key details about government loans for new ventures in India, including …
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How MSMEs can refinance existing business loans to reduce EMI, save on interest, and improve cash flow Authored by FlexiLoans | Date: 05/03/2026 Quick Summary What: Business loan refinancing involves replacing an existing high-interest loan with a new loan at a lower interest rate or better terms to reduce EMI and total interest cost. Why: …
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Understanding loan limits, CGTMSE coverage, and maximum borrowing capacity for MSMEs in 2026 Authored by FlexiLoans | Date: 04/03/2026 Quick Summary What: A comprehensive guide to maximum business loan amounts available to MSMEs in 2026, including CGTMSE limits, lender-specific ceilings, and collateral-free borrowing capacity. Why: To help MSMEs understand how much they can borrow, what …
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Empowering Women Through Government Initiatives Quick Summary What: Overview of top government schemes for women’s entrepreneurship in India. Why: To help women access financial resources, develop skills, and start or grow businesses. Who: Women entrepreneurs, aspiring business owners, and self-employed women. How: By leveraging government-backed loans, grants, and support platforms. Use Case: Helps women understand …
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Discover how FlexiLoans empowered Indian MSMEs to overcome financing challenges, scale operations, manage seasonal demand, and expand into new markets with flexible business loans. Quick Summary What: Real success stories of MSMEs that achieved growth with FlexiLoans’ tailored financing solutions. Why: Traditional financing often excludes MSMEs due to stringent criteria. FlexiLoans bridges this gap with …
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Discover strategic ways to leverage MSME loans for inventory expansion, equipment upgrades, digital transformation, talent acquisition, and sustainable business growth. Quick Summary What: A comprehensive guide on 10 strategic ways to use MSME/SME loans for business expansion and growth. Why: Access to adequate financing enables MSMEs to invest in inventory, technology, talent, and new markets, …
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Learn how to avoid common MSME financial errors and strengthen your business with smart cash flow, tax compliance, and budgeting strategies Quick Summary What: A comprehensive guide covering the top 10 financial mistakes MSMEs make and proven solutions to overcome them. Why: Poor financial management causes cash flow problems, tax penalties, and business instability, most …
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Discover 6 proven working capital financing options for MSMEs—from digital lending and factoring to government schemes and collateral-free loans. Quick Summary What: A comprehensive guide to 6 working capital financing options available for MSMEs in India. Why: About 82% of small businesses fail due to poor working capital management. Access to the right financing ensures …
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Simple funding options to expand operations, manage cash flow, and scale faster Quick Summary What: A guide covering the best ways to raise business funding in India. Why: Most businesses need funds to expand, manage working capital, or invest in growth. Who: MSMEs, startups, small business owners, and entrepreneurs looking to scale. How: By exploring …
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Discover strategic ways to leverage MSME loans for inventory expansion, equipment upgrades, digital transformation, talent acquisition, and sustainable business growth. Quick Summary What: A comprehensive guide on 10 strategic ways to use MSME/SME loans for business expansion and growth. Why: Access to adequate financing enables MSMEs to invest in inventory, technology, talent, and new markets, …
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Understand working capital, its components, why it matters, and how working capital loans can help businesses maintain cash flow Quick Summary What: A complete guide to working capital, meaning, components, types, and how it impacts business operations. Why: Helps business owners understand the role of working capital in managing daily expenses and operational liquidity. Who: …
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Explore profitable rural business opportunities that require low investment and can generate stable income Quick Summary What: A curated list of the top 20 small business ideas suitable for rural areas in India. Why: Rural India has a strong demand for daily necessities, agriculture-based services, and local enterprises, making it an ideal place for low-risk …
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Explore profitable business ideas you can start with minimal capital, including home-based, online, part-time, and rental options Quick Summary What: A curated list of profitable small business ideas that require low investment and offer high earning potential. Why: To help aspiring entrepreneurs identify business opportunities that match their budget, skills, and market demand. Who: Students, …
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Explore the latest government business loan schemes in India for 2026, including collateral-free MSME loans, subsidies, and credit guarantee programs. Disclaimer: This content is for informational purposes only. FlexiLoans does not directly offer all Government-backed loan schemes. Please verify eligibility and details through official Government portals. You may also explore quick business loan options with …
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Flexible Financing Solutions for Home Entrepreneurs and Small Business Owners Authored by FlexiLoans | Date: 12/02/2026 Quick Summary What: A home business loan is a collateral-free business loan designed for entrepreneurs operating from home, including online sellers, consultants, freelancers, and service providers. Why: Home-based businesses require funding for working capital, technology upgrades, inventory, marketing, and …
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A practical guide to help new entrepreneurs secure their first business loan with confidence Authored by FlexiLoans | Date: 11/02/2026 Quick Summary What: Business loans designed specifically for new entrepreneurs to fund startup costs, working capital, equipment, and early-stage growth. Why: To help first-time business owners access formal funding without relying solely on personal savings …
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Step-by-step guide for partnership firms to secure business loans quickly and efficiently Authored by FlexiLoans | Date: 10/02/2026 Quick Summary What: Business loans designed specifically for partnership firms to fund expansion, working capital, or operational needs. Why: These loans provide flexible financing options without disrupting day-to-day business operations. Who: Registered partnership firms, small businesses, and …
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How small business owners and self-employed professionals can leverage their bank statements to secure quick financing. Authored by FlexiLoans | Date: 09/02/2026 Quick Summary What: A bank statement-based business loan is a financing option in which lenders review your bank statements from the past 6–12 months to assess cash flow and repayment ability, rather than relying …
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Understand When Lenders Ask for a Loan Guarantor and How It Impacts Approval. Authored by FlexiLoans | Date: 07/02/2026 Quick Summary What: A loan guarantor is a third party who agrees to repay a business loan if the borrower defaults. Some business loans require a guarantor depending on risk, credit profile, and business stability. Why: …
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A complete guide on how self-employed professionals can access business loans for working capital, practice upgrades, and growth Authored by FlexiLoans | Date: 06/02/2026 Quick Summary What: Business loans for self-employed professionals are collateral-free funding solutions designed for doctors, chartered accountants, consultants, and other independent practitioners. Why: These loans help manage working capital needs, upgrade …
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Understanding the link between compliance support, credit assessment, and MSME loan interest rates after Budget 2026 Authored by FlexiLoans | Date: 05/02/2026 Quick Summary What: Corporate Mitras, introduced as part of Budget 2026 reforms, aim to support MSMEs with compliance, documentation, and formalisation, directly influencing loan eligibility and interest rates. Why: Better compliance improves credit …
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How MSMEs Can Access Funding for Clean Energy Transition Post-Budget 2026 Authored by FlexiLoans | Date: 04/02/2026 Quick Summary What: Green business loans support MSMEs in financing solar installations, electric vehicle (EV) adoption, and related upgrades. Budget 2026 enhances certain incentives for renewable energy and clean technology infrastructure. Why: Solar and EV upgrades improve operational …
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What retailers should understand about collateral-free business loans after Budget 2026 Authored by FlexiLoans | Date: 03/02/2026 Quick Summary What: Budget 2026 strengthened credit guarantee frameworks that support collateral-free MSME loans, indirectly expanding effective lending limits. Why: Retail businesses often face challenges securing finance without pledging assets, especially for working capital and growth needs. Who: …
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Understanding the right financing option for MSMEs and self-employed businesses after the Union Budget 2026. Authored by FlexiLoans | Date: 02/02/2026 Quick Summary What: The Union Budget 2026 introduced a dedicated MSME Growth Fund alongside ongoing credit support mechanisms, creating a choice between equity-like growth funding and traditional business loans. Why: MSMEs and self-employed businesses …
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Understanding how MSMEs can manage receivables delays and working capital needs efficiently. Authored by FlexiLoans | Date: 31/01/2026 Quick Summary What: TReDS is a digital platform for invoice discounting, while working capital business loans provide direct funding to manage short-term business expenses. Why: MSMEs supplying to CPSEs often face delayed payments, making cash flow management …
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Unsecured business funding options for sole proprietors to grow, expand, or manage working capital. Authored by FlexiLoans | Date: 19/01/2026 Quick Summary What: Collateral-free business loans designed for sole proprietors to fund expansion, working capital, inventory, and operational needs. Why: To provide fast, flexible financing for proprietorship firms without pledging personal or business assets. Who: Individual …
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Your guide to key government financing schemes for MSMEs, artisans, entrepreneurs, and more Authored By FlexiLoans | Date: 17/01/2026 Quick Summary What: Micro business loans are short-term, small-ticket financial solutions (₹50K–₹10L) tailored for micro and tiny businesses. Why: They bridge critical operational funding gaps, whether it’s restocking inventory, upgrading equipment, or managing seasonal demand. Who: Ideal …
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Compare India’s leading online business loan platforms and learn how to secure funding through a fast, paperless process in 2026 Authored By FlexiLoans | Date: 16/01/2026 Quick Summary What: A guide to securing online business loans from India’s leading NBFCs and fintech platforms. Why: Online loans offer faster approvals, minimal paperwork, and flexible repayment options tailored …
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Everything you need to know about applying for, using, and managing a small business loan in India Authored By FlexiLoans | Date: 15/01/2026 Quick Summary What: A small business loan is a financing option that helps entrepreneurs manage working capital, expand operations, or invest in growth without diluting ownership. Why: It provides quick access to funds, …
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A quick guide to how NBFC business loans stack up against traditional bank loans for SMEs Authored By FlexiLoans | Date: 14/01/2026 Quick Summary What: Comparison of NBFC business loans and traditional bank loans for SMEs. Why: NBFCs offer faster approvals, flexible eligibility, and collateral-free options — crucial for SMEs needing quick, tailored funding. Who: SME …
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Smart Funding Options to Keep Your Business Moving Authored By FlexiLoans | Date: 13/01/2026 Quick Summary What: Short-term loans for MSMEs designed for quick disbursals and flexible repayment. Why: Ideal for meeting seasonal demand, short projects, or cash flow gaps without long-term debt. Who: MSMEs, small retailers, and entrepreneurs needing instant business capital. How: Access funding …
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Get Instant Online Business Funding with Fast Approvals from Trusted NBFCs Authored By FlexiLoans | Date: 12/01/2026 Quick Summary What: How to apply for a business loan online for urgent MSME funding needs Why: Digital lending from NBFCs enables same-day approvals and disbursals. Who: MSMEs, entrepreneurs, and small business owners needing quick access to capital. How: …
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Compare India’s most reliable online lending platforms for small businesses in 2026 Authored By FlexiLoans | Date: 10/01/2026 Quick Summary What: Guide to small business loans available online from top fintech and NBFC platforms in India. Why: Instant access to funding without visiting a branch, ideal for urgent working capital needs. Who: MSME owners, traders, service …
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Loan rates matter more than you think. Here’s what to expect in 2026 before you borrow Authored By FlexiLoans | Date: 09/01/2026 Quick Summary What: Business loan interest rates in India range from 12% to 24% annually. Why: Interest rates directly impact your EMI and overall borrowing cost. Who: SMEs, MSMEs, and business owners looking for …
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Understand how GST state codes work, how to find your code by GSTIN, and what mistakes to avoid during GST registration. Authored By FlexiLoans | Date: 08/01/2026 Quick Summary What: A 2-digit code that identifies the state or union territory in your GSTIN. Why: Ensures correct tax filing and avoids GST registration errors. Who: All …
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Discover how India’s Goods and Services Tax (GST) works, its types like CGST, SGST & IGST, and how it simplifies taxation and boosts business growth. Authored By FlexiLoans | Date: 07/01/2026 Quick Summary What: GST is a unified indirect tax in India that replaced multiple state and central taxes. Why: It simplifies compliance, reduces cascading …
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Track your GSTIN or ARN status instantly through official portals. Avoid delays, rejections, and stay compliant. Authored By FlexiLoans | Date: 06/01/2026 Quick Summary What: GST registration is mandatory once a business crosses the applicable turnover threshold, which varies based on the nature of supply, state, and category of business. Certain companies are required to …
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Discover low-investment, high-return business models that are trending in 2026, from local manufacturing to digital services, suited for aspiring Indian entrepreneurs. Authored By FlexiLoans | Date: 05/01/2026 Quick Summary What: A curated list of the top 10 most profitable business ideas in India for 2026, covering both product and service-based models. Why: Helps aspiring entrepreneurs …
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Your Easy, Step-by-Step Guide to Accessing Your Official MSME Certificate Online Authored By FlexiLoans | Date: 03/01/2026 Quick Summary What: A step-by-step guide to downloading your official MSME (Udyam) certificate online Why: Critical for accessing MSME benefits like loans, subsidies, and payment protection Who: Best suited for registered MSME owners needing digital access or re-download of …
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Launch Your Venture with Low-Investment, High-Growth Ideas Backed by MSME Support & FlexiLoans Funding Authored By FlexiLoans | Date: 02/01/2026 Quick Summary What: 15 realistic, low-investment MSME ventures, both product and service-based Why: Ideal for entrepreneurs seeking viable, scalable options in India Who: Best suited for first-time founders, small-town startups, or those with ₹20K–₹2L capital How: …
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A complete guide to how medical practitioners can access MSME loans for clinic upgrades, equipment purchase, and working capital needs. Authored by FlexiLoans | Date:24/12/2025 Quick Summary What: MSME loans for doctors are collateral-free business loans designed to help medical professionals fund clinic operations, equipment, renovation, and expansion. Why: These loans offer fast, flexible funding …
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A complete guide to how Udyam Registration strengthens MSME loan eligibility and improves approval chances. Authored by FlexiLoans | Date: 23/12/2025 Quick Summary What: Udyam Registration is the official government recognition for Micro, Small, and Medium Enterprises in India. Why: It allows MSMEs to access collateral-free loans, government-backed schemes, lower interest rates, and priority lending …
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A complete guide to MSME loan interest rates, how they are calculated, and what business owners can expect in 2026 Authored By FlexiLoans | Date: 22/12/2025 Quick Summary What: MSME loan interest rates determine the total cost of borrowing for small and medium enterprises. Rates vary by lender type, business profile, loan amount, and repayment …
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A detailed guide to unsecured business loans in India, covering benefits, eligibility, and how MSMEs can apply online in 2025 Authored By FlexiLoans | Date: 23/10/2025 Quick Summary What: Overview of unsecured business loans in India—loans without collateral. Why: Helps MSMEs access fast funding for growth without risking property or assets. Who: MSME owners, traders, …
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Avoid Loan Rejections; Learn the Right Way to Make and Submit a Cancelled Cheque for KYC and Loan Verification in 2025 Authored By FlexiLoans | Date: 10/09/2025 Quick Summary What: A cancelled cheque is a blank cheque marked with “CANCELLED” and used as proof of account details for verification, not for transactions. Why: Lenders, NBFCs, …
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Learn the MSME 45-day payment rule, its new tax implications under Section 43B(h), and how small businesses can stay compliant with practical steps. Quick Summary What: The MSME payment rule mandates that buyers must pay MSME-registered suppliers within 15 to 45 days Why: From FY 2024–25, delayed payments can lead to disallowed tax deductions under …
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A step-by-step guide to understanding and leveraging the ASPIRE Scheme, India’s initiative to boost rural entrepreneurship through business incubators. Authored By FlexiLoans | Date: 23/07/2025 Quick Summary What: A government-backed initiative to promote innovation and entrepreneurship in rural India through Livelihood and Technology Business Incubators Why: ASPIRE provides financial support of up to ₹1 crore to …
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There is a wave of entrepreneurial spirit in India. It is growing stronger not just in urban cities, but in TIER 2 and TIER 3 cities, as well. There are currently over 4.77 crore MSMEs in India registered on Udyam Portal. These days, starting a business does not require crores of rupees. The good thing …
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It was first during the COVID pandemic that we were all introduced to work from home. It was a new concept to us then, but we already knew and still understand inflation, which was 2.92% in April 2025. While we are spending more on a basket of goods and services, the convenience of work from …
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For every business, profits come later, but having adequate cash flow is quite important from day one. This is why business owners apply for business financing to maintain cash flow and achieve business objectives. Indian lenders sanctioned ₹2.74 crore MSME loans of ₹54.2 lakh crore alone in FY24. Many of these owners, however, seek business …
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The capital your business possesses determines whether it will succeed, struggle, or stay stable. When you have enough capital, you can fund all your business operations, ranging from expansion to buying machinery. The lack of it makes it difficult to fund even the most basic needs, like paying salaries and buying inventory. This is why …
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Everybody loves the idea of starting their businesses and being their own bosses. It offers you financial independence and also the ability to pursue your passions. This is why there is a wave of entrepreneurship in India that has led to the MSME business count to over 5.7 crore. One important decision that a person …
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Whether you are running an online shop or a small Kirana store, and no matter the type of business activity it facilitates, you must pay GST to comply with India’s tax regulations. The Goods and Services Tax is an indirect tax in India that replaces excise duty, services tax, VAT and more taxes. GSTIN number, …
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The Repo rate today stands at 6%, but the latest SBI research suggests that the Reserve Bank of India (RBI) will likely cut the Repo rate by 50 bps in June and August. Whether you have taken a loan or not, you have definitely heard of Repo rates either in news articles or people talking …
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If you are a business owner of one of India’s 5.93 crore registered MSMEs, you are not only driving economic stability but also generating substantial employment opportunities. When you are running a business, you will always find a lack of access to capital to run and expand your business. You have access to different types …
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As of January 2025, there are more than 5.70 crore MSME businesses registered on the Udyam portal. These businesses provide jobs for 24.14 crore people. However, MSMEs in Tier 2 and Tier 3 cities face a big problem when it comes to getting business loans. The very reason MSMEs avoid approaching traditional banks is that …
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Starting a car rental business in India can be exciting and rewarding, given the growing demand for convenient mobility solutions. However, launching a successful car rental startup requires careful planning, strategic execution, and sound financial management. This comprehensive guide walks you through the essential steps to start your thriving car rental business, from choosing the …
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The festive season is a golden opportunity for businesses to grow and thrive. With increased consumer spending and a general atmosphere of celebration, it’s the perfect time to expand your operations, stock up on inventory, or launch new products. However, many businesses find themselves short on capital just when they need it most. This is …
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With an innovative business idea, strategic planning, and determination, you can easily start a profitable business with ₹50,000 or less. Let us understand the key elements to operating a small-scale business from home that requires minimal investment, and how to secure small business loans with a solid business plan. Whether you’re new to entrepreneurship or …
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Are you dreaming of venturing into the vibrant world of event management in India? Whether you’re passionate about organising weddings, corporate events, or cultural festivals, starting your own event management business can be a fulfilling and lucrative endeavour. In this comprehensive guide, we’ll walk you through the essential steps to kickstart your event management venture …
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Introduction For a business owner or someone who starts their own company, it’s vital to get money for your growth and success. Business credit cards might look like a simple way to get money, but they have many limits. Instead, working capital loans give you more freedom and better deals for looking after your business …
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You may have heard the famous quote by Benjamin Franklin: “In this world, nothing can be certain except death and taxes.” Taxes are inevitable in our lives, whether we like it or not. But what exactly are taxes, and why do we have to pay them? Taxes are mandatory fees or financial charges levied by …
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Overview Diwali, or Dееpavali, is one of thе most cеlеbratеd fеstivals in India. It is a fеstival of lights, joy, and prospеrity that symbolisеs thе victory of good ovеr еvil and light ovеr darknеss. But Diwali is not just about fеstivitiеs and fun. It is also an opportunity to grow your business and take it …
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Accounting is vital for any business owner, manager, or professional. It helps you track your income, expenses, assets, liabilities, and equity. Accounting also allows you to prepare financial statements, reports, and budgets. It relies on a system of recording and classifying transactions into different types of accounts. Here, we will explain what accounts are and …
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Overview: GST is a major tax reform, which aims to provide a smooth flow of credit to taxpayers. Over the past year, many states’ GST departments have issued notices regarding discrepancies in Input Tax Credit (ITC). These notices ask taxpayers to explain the differences between the ITC claimed in GSTR-3B and the ITC available in …
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Introduction to PM SVANidhi Yojana Through the foundation of the ‘Make in India’ movement in 2014, the Indian government firmly set out on a journey to promote business, entrepreneurship, and self-sufficiency among the country’s public. Since then, the authorities have taken several steps to provide the public with financial as well as technical resources to …
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The game-changing VPA technology has reshaped the digital landscape of online payments and has successfully enhanced the customer experience. In this article, we delve deeper to understand everything about this payment solution. What is VPA? Onlinе payments have become an integral part of our lives, especially in the era of digitalisation and е-commerce. Howеvеr, traditional …
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For businesses operating under the CGST Act of 2017, acquiring a unique GST Identification Number (GSTIN) is not only obligatory but pivotal for seamless GST compliance. With GSTIN in hand, businesses can confidently collect GST-related taxes from eligible recipients and effortlessly claim input credit returns. Curious about GST registration or in search of your state …
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Overview Non-banking financial companies (NBFCs) provide various banking services. But, they do not hold a banking license. They are integral to the Indian financial system. They have contributed to the country’s growth and development. Factors That Led To The Growth of NBFCs in India Let’s delve into the factors that have allowed NBFC companies to …
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Whatever the purpose is, funding should increase your revenue. You can use it for expansions, improvements, or working capital reserves. Planning a term loan is crucial since it enables you to do this. Thankfully, a FlexiLoans Term Loan EMI Calculator makes this procedure much easier. It is a vital tool in the toolbox of each …
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Starting a free online business might seem challenging, but it’s doable with the right strategy and resources. Online business opportunities are everywhere, and you don’t need a fortune to begin one. This article will help you understand what goes into Starting An Online Store With No Money, different business models, and how FlexiLoans can help …
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Introduction Students today plan for various aspects of their lives, such as choosing a study program, employment opportunities, and methods to earn money. If they are willing to acquire a few new skills, they have a great chance to make money effortlessly. Although there are numerous online jobs available for students, they may not be …
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Every small, big, or online company will need to update, enhance or replace certain pieces of equipment at some time. This is where equipment loans come in handy. When operating a business, these loans might signify the difference between success and failure. Read this article to understand what machinery loans are as well as their …
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Most businesses, large or small, need more finances to satisfy day-to-day operational commitments. The amount of funds needed is also determined by the nature of the business: is it capital-intensive, and what stage of development it is in terms of growth? Typically, businesses need the most funding in their early phases and for future development. …
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Introduction A business plan is an outline that describes a firm’s plan and, in certain situations, how the owner intends to utilise loan money, investments, and cash. It implies that a firm is already making money and intends to keep doing so in the future. A great business plan is practical, short, and, most importantly, …
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As business owners, we have various options for getting financial assistance to make sure we have sufficient working capital. To meet the expenses of the day-to-day operations of our business, we require working capital. To meet these business requirements, we should choose the best kind of loan based on the nature of our business. Cash …
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The poultry farm business is a popular and profitable one. The Indian poultry sector has grown significantly in the last few years, with the demand for chicken meat and eggs increasing exponentially. If you are thinking of starting a poultry farm business, there are a few things you need to keep in mind. In this …
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The business environment is constantly evolving. This makes it necessary for every business to stay updated on the upcoming trends in business. It helps businesses identify opportunities, understand and adapt to customer preferences, and tackle competitors. Irrespective of what is thrown at it—a pandemic, a political crisis, or advanced technology, a business has to face …
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Introduction Running a business can be a challenging and rewarding experience, but it’s not always smooth sailing. As a business owner, it’s essential to be aware of warning signs that your business may be in trouble so that you can take action to address the problem before it becomes too severe. To help address these …
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For your business, it is crucial to maintain books of accounts to track company activities and operational forecasting. From the viewpoint of your company’s shareholders and investors, the Balance Sheet acts as a report of your company’s financial status and line of credit. It helps evaluate your business needs internally, which can be any financial …
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Stock market uncertainty is an unavoidable phase or situation that investors face. Uncertainty in the stock market is a signal to act and safeguard investments against additional market falls. Being calm and logical is the proper method to understand such a fall. Making sensible decisions is crucial to prudent investing. During market turbulence, wise investors …
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The ISO creates international business standards. There are various benefits for businesses that adhere to ISO standards. Achieving ISO Certification for a company is a significant accomplishment because ISO is an independent body. ISO certification in India improves a company’s efficiency and effectiveness. If you want your business to be solid, profitable, and have a …
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Any business, small, medium or large, requires working capital and cash flows for uninterrupted business operations. Working capital or finances are required by the business for buying new machinery, recruiting new staff or upgrading the company’s infrastructure. Business loans are available in the market that helps all kind of businesses to continue with their operations …
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You required a small business loan, so you compared the various terms and loan rates provided by numerous lenders, selected the best option that suits your needs, went through the entire hassle of documentation, strived through the application process, and finally succeeded in getting one. Seems like the toughest battle won. Isn’t it? However, the …
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You’re always looking for ways to grow your business as a business owner, aren’t you? One way to do this is to obtain a loan. Business loans are a popular financing option for small businesses. While the terms and conditions of these loans vary, one key element is always present: the loan principal. This article …
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Investment planning is a critical financial decision after considering factors such as your age, risk appetite and investment goals. While some investors prefer short-term investments, others go for long-term investment plans. Different types of Best Investment Plan With High Returns are available in the market and offer additional benefits. Choosing an investment option that best …
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Tax collected at source is a type of tax that a buyer has to pay to the seller while they are exchanging goods. The TCS tax is to be paid by the seller, so, they collect it from the buyer of the goods. The TCS rate on sale of goods varies from goods to goods …
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Traditional sources of financing are not included in the more conventional alternative sources of finance provided by financial institutions, lending partners, and other alternative funding organizations. They include crowdsourcing, private loans, angel investments, and venture capitalists. Lenders typically view small business loans as high-risk ventures, so small enterprise owners frequently need to look into an …
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No matter how great a business idea is, everyone needs money to make it happen. But what should someone do when they are broke? How do they get the funding they need to get their business off the ground? Preparatory steps for starting a business even with no finance Plenty of entrepreneurs have started businesses …
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Introduction Mumbai is known as the commercial capital of India and is considered the most populous city in the country. Starting a small-scale business in Mumbai or a startup business in Mumbai can be an excellent option for anyone looking to expand his business. Mumbai is also considered to have the second most growing market …
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Starting a new business venture boils down to raising the money required to build a business. Many startups and even small business owners don’t have cash at their disposal. In this type of funding, the venture capitalist invests their money in a startup company. Even though it is a risky type of investment, the returns …
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If we need a loan, the first step is to approach a bank or a non-banking financial institution. The bank decides the rate of interest on loans based on our credit score, loan amount, and duration of the business loan. In a significant move that continues to shape India’s financial landscape, the Reserve Bank of …
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What is Video KYC? To enhance the customer identification process, video KYC was first introduced by the Reserve Bank of India. This video KYC is done for every customer while opening a bank account. The video KYC process is initiated either by Micro-ATMs or KYC Registration Agencies. Online video KYC is a 10 minutes documentation …
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Jaipur is a lively city as well as a world-renowned tourist destination. The city has a large community of artisans, craftsmen, and other small industrial groups creating and developing products for tourists. Apart from the tourist-focused small-scale sector, additional small- to medium-sized industrial businesses do not typically qualify for bank financing. This is due to …
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What is an MSME Loan? MSME Loans are types of loans for Micro, Small, and Medium Enterprises that can be used for various purposes like new inventory, purchasing new stock, working capital loans, and even expanding your business. MSME Loans for new businesses MSME loans for new businesses are available for businesses with a record …
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Business is an idea that germinates and grows with a regular supply of funds. You might have a great idea to launch and expand, but if you do not have sufficient capital, the business will be destined to fail. A successful business always maintains and optimises the flow of funds to stay ahead in the …
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Introduction Are you one of the millions of people who spend hours daily dreaming about how it would feel to resign and start their business venture, where one can enjoy greater autonomy and be people’s boss? Though this seems like a pleasant idea to think about, the reality could be strikingly different from the dream, …
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GST registration entails acquiring a GSTIN from the government to collect and claim tax credits on inbound supplies. GSTIN, or GST registration number, is a unique 15-digit number assigned by the tax department to track registered taxpayers’ tax payments and compliance with applicable laws. Individuals and companies can now register for GST online, focusing on …
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Introduction To meet short-term working capital requirements, entrepreneurs often borrow money by applying either for overdraft loans or business loans in India. However, many businessmen are still unable to decide between a business loan and an overdraft loan. They are unable to understand which loan to apply for and in what scenarios. Even though both …
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Introduction We’ve seen a steady increase in the number of entrepreneurs over the last decade. It is a fantastic indicator of a thriving country. Most of these aspiring or existing company executives will require a loan at some point. It may be necessary to either establish a new business or grow an existing one. It …
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What is a Pre-approved Business Loan? Getting a business loan can be hectic as it involves a cumbersome procedure to have the loan approved. Conversely, getting a pre-approved business loan helps in saving significant time and energy to kick-start the business in a hassle-free manner.Eligible borrowers with a good CIBIL score and a sound financial …
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Improve the CIBIL Credit Score for a Business Loan The CIBIL score plays a crucial part in deciding your business loan eligibility. Financial institutions, including Non-Banking Financial Companies (NBFCs), and banks consider your credit score a mandatory condition before trusting you with financial lending for your venture. If you are searching for a loan for …
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Once you have decided on the loan you want to apply to expand your business, the hard work starts. If you don’t have a firm grasp on your business’s financial growth and wellbeing objectives, you must rapidly catch up to select a loan term that fits your requirements. Before you can choose between short-term and …
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Apparently, the business needs capital to kick-start the profit-making cycle. Liquid money is an essential element to run operations smoothly. Applying for a business loan can help you tide over the repercussions of COVID-19 and help you realize your financial goals. Here is what you need to keep in mind before applying for a business …
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The manufacturing and service sectors of Micro, Small, and Medium Enterprises work within a limited financial frame under the Micro, Small, and Medium Enterprises Development Act, 2006. The Government of India promotes MSME with several benefits, such as easy bank loans grant, income tax exemptions, subsidies, and miscellaneous concessions. With the focus on the ‘Make …
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The Government has announced a massive relief package for the MSME sector which is highly stressed due to the on-going COVID 19 pandemic. There are a host of measures that will ensure the availability of working capital. The package has relevance for the MSME sector as the economy is driven by the vision of Atmanirbhar …
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With the stock markets dropping and the COVID-19 cases heaving, small business owners are scrambling to find out the ways that can help them in dealing with disruptions. The pandemic is constantly spreading and affecting the world. Small businesses in India are fighting this double battle of managing operations and misinformation at the same time. …
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The entire world has become the victim of another pandemic- COVID-19. It has led to a very stressful situation. The pandemic is hugely impacting businesses across the country, and livelihoods of all associated are in great jeopardy. Approximately 62% of business owners who took part in an online survey stated that their businesses have full …
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Running a business definitely requires a lot of effort, hard work, and strategy that ensures your business can thrive or at least float through unforeseen circumstances. However, many a time it becomes difficult to prepare for every unprecedented event or situation, and recent times have shown us just how much. In the wake of COVID-19, …
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India is a powerhouse of resources, a gold mine of opportunities, and a beacon of hope, for every aspiring citizen who wishes to start their own business. Naturally, more and more start-ups and small businesses have emerged over the years, and the number only seems to be on the rise. If your business is one …
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Point of Sales (or POS) transaction refers to the moment where the customer makes the payment against goods or services. This payment process can be completed via any of these mentioned methods, including payment via cash, credit cards, debit cards, mobile payments, loyalty points, and even gift cards. A study revealed that the POS transaction …
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Finding the right method to procure financing is essential to keep your business thriving. It is an imperative element for small businesses to maximize their potential profits by maintaining a healthy influx of capital. The proper allocation of funds through apt means helps businesses drive growth in the right direction. However, every business is different …
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The great Indian festive season is just around the corner. With major festivities in the air, e-commerce giants are gearing up for a new high. Like several previous years, the online marketplaces are investing in their all efforts to compete and earn relentless profits. And so are the happy days back again for online retailers!! …
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Every year, thousands of ambitious businesses take a kick start. But sadly, only a few survive and thrive for growth. A vast majority of businesses shut within a few years of their inception. Owing a business appears very appealing but in reality, it requires overcoming tons of challenges. Running a business and turning it into …
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Having a passion to become a business magnet does not alone take you to that level. Don’t think we are discouraging you. But you need to understand a few basic financial management tips in your day to day business to sustain and succeed in business. We are glad that you see your zeal in becoming …
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Getting a business loan will make you stabilize your business is a myth as long as you repay them on-time. Yes, at the time of financial crunch you opt for a business loan, then how can you repay them. No, this thought process will take you and your business into trouble. However, you need not …
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At FlexiLoans, we believe in putting the needs of our customers first and providing them with solutions for their specific financial requirements. In this upcoming series, we share the success stories of customers and their experiences with us. These stories are a set of testimonials of business owners who have registered immense growth with the …
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Inventory, whether that of raw material or finished products is an integral part of a successful business and its operations. Raw material stock ensures that the production goes unhindered and finished product is available to meet demand and requirement of the customers. However, maintenance and stocking up require heavy investment which might be difficult on …
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Debt is always seen as a trap which looks like a good prospect with only one way in and no way out. But this is a very traditional thinking which does not hold any weight in present times. The truth is that a well timed and appropriate debt product can help you take your small …
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We would like to shed some light on how SME business owners can optimize their practices to create more income and to discover and minimizing the ways they are unintentionally throwing portions of their money away. We highlight a list of 5 mistakes which a business owner makes. Diversification As a business owner, you will …
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This blog is in regard to the small businesses who are confused whether to invest more for expansion or not, so we will give insights which will encourage the reader to go for loans via FlexiLoans. “Are we investing in our business enough?” This is a question that plagues most small businesses. There is only …
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After getting featured on thehindu.com and TOI website, this time Business Standard has posted a piece about our digital fintech start-up for offering Quick Business Loans without collateral to SMEs which do not have a credit score or IT returns to show. SMEs need capital for day-to-day business, business expansion, seasonal inventory, invoice based financing, …
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Instead of looking at the past, I put myself ahead twenty years and try to look at what I need to do now in order to get there then –Diana Ross Who says women can’t be achievers? Or lead from the front? Women in Corporate India have been celebrated year after year, but this Women’s …
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Beyond the glass walled buildings and air-conditioned offices one sees in cities, are small offices built in residential apartments, factories and foundries. These units make up India’s booming SME sector. A sector much applauded for its contribution to employment, manufacturing output and exports. A sector waiting for a big bang, yet, which is crippled because …
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