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  3. FAQ

Acquiring a business loan can solve many financial problems that business owners face in the extremely competitive world. However, it is imperative for you to do your research prior to applying for a commercial loan as there may be some hidden costs associated with it. At Tata Capital, we believe in complete transparency and to help you make an informed decision, we have put together the advantages and types of business loans we offer.

For easy processing of your business loan, you must have the following documents in order when applying with us.

A passport-sized photograph of each of applicant and co-applicant, of directors and promoters in case of a company & trust, of all the partners in case of a partnership firm, and of authorized person as applicable in case of societies.

Income Tax Returns, Audited Profit and Loss Account statement and Balance Sheet for the last 2 years along with bank statement of the primary current account for the last 6 months, business proof, latest year provisional and sundry creditors and debtors list.

Certified copies of bank account statements for the last 6 months.

Know Your Customer (KYC) documents for the co-applicant.

Partnership deed/ Memorandum of Association (MOA) and Articles of Association (AOA) /License issued under the Shops and Establishments Act of the respective states for business proof.

1. What are the loan tenure options for Business Loan?

You can repay your loan over a period of 12 to 48 months

2. What security do I need to provide to obtain a Business loan?

To obtain the loan, there is absolutely no need to provide any security or collateral. Its based on your business income Bank/NBFCs can provide the loan.

3. How much loan can I avail of Business Loan?

You can avail of a loan from Rs 50,000/- to Rs75,00,000/- depending on your income, repayment capacity.

4. How long will it take for me to get a Business Loan?

Once you submit your application form and supporting documents, we shall give approval within 5 – 10 working days provided every document is in order. All loan approvals are at the sole discretion of the bank/ NBFCs.

5. How do I repay my Business Loan?

You pay the loan in equated monthly instalments. The loan will be paid through post-dated cheques, through Standing Instructions to debit your Bank account or Through ECS EMI amount.

6. Can I repay the loan earlier for Business Loan?

Yes, you can choose to repay your loan anytime after 6 months of taking the loan and after you have paid 06 EMIs along with applicable foreclosure charges.( Pre-closer charges applicable for some banks/NBFCs ).