Project Loans in Hyderabad from Banks contact us. We are providing services since a decade. For both Manufacturing and Service sectors requirement for Loans . That is to say, We prepare Project Reports our Clients. Because, Entrepreneurs are not much aware of bankable project reports. however, on the other hand they may not know how to present themselves and their business details. Entrepreneurs domain expertise are different. Therefore, as a result, they are unable to present what banker requires.
Project Loans are generally of two types Term Loans and Working Capital Loans
A term loan is a monetary loan that is repaid in regular payments over a set period of time. Term loans usually last five years to seven years in SME sectors. However, Depending upon line of activity it may extend. Term loan will paid to bank every month as per repayment schedule. Interest may be fixed or floating rate. But, however, Starup or Established Business should have sound financials. Term loan requires promoter’s contribution. The Promoter’s contribution would be like 25% to 35%. Depending upon the business line of activity and banker’s policies.
That is to say that working capital loan meant to meet company’s everyday operations. But, however, this loan is not for buying long-term assets or investments. To clarify, Working capital loan is only for company’s short-term operational needs.
For instance Company may not have adequate cash on hand or asset liquidity to cover day-to-day operational expenses. For example, for instance Companies that have high seasonality or cyclical sales. Therefore, as a result, so, consequently rely on working capital loans to help with periods of reduced business activity.