Visit InvestKraft to Avail Quick Term Loans!

Name: Investkraft
Address: 137, KD Block, Ground Floor, Pitampura, Delhi, 110034, IN
Telephone: 9797971876

Easy and hassle free term loans specially for you

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Competitive interest rates

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*For Partnership Companies, Pvt. Ltd., LCC companies, and other eligible legal entities.

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What is a Term Loan (Short & Long-term Loan)?

A Term Loan is a type of loan where you borrow a fixed amount of money for a specific period. This loan is repaid in regular installments, usually monthly, over the agreed-upon term.

Short-term loans: These have shorter repayment periods, typically less than a year. They are often used for short-term working capital needs, such as purchasing inventory or covering seasonal expenses.
Long-term loans: These have longer repayment periods, usually more than a year and can extend up to 25 years. They are commonly used for major investments such as buying equipment, expanding a business, or purchasing real estate.

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Loan amount

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₹1,000

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Rate of interest (p.a)

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50%

Loan tenure

1 yrs

30 yrs

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Features of Term Loan (Short & Long-term Loan)

Fixed Loan Amount

You borrow a specific amount upfront.

Repayment Schedule

Regular installments (usually monthly) over a set period.

Flexible Tenure

Choose a repayment term that suits your needs.

Competitive Interest Rates

Rates can vary depending on factors like creditworthiness and loan amount.

Purpose-Based Lending

Loans can be used for specific business purposes.

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Advantages of Term Loan (Short & Long-term Loan):

Predictable Cash Flow

Imagine your business income is like a river. Sometimes it flows smoothly, sometimes it slows down. A Term Loan is like a steady stream flowing into your business. You know exactly how much you need to pay back each month, helping you keep your financial boat afloat even when the river gets a little choppy.

Flexible Use of Funds

Think of a Term Loan as a versatile tool in your business toolbox. You can use it to buy new equipment, hire more staff, rent a bigger office – whatever you need to grow and succeed. It's like having a handyman who can fix any problem or build anything you dream up.

Improved Creditworthiness

Paying your bills on time is like building trust. When you consistently repay your term loan, lenders will see that you're a responsible borrower. This builds a strong credit history, making it easier to get loans in the future – like having a good reputation that opens doors for you.

Long-term Growth

Imagine your business as a young tree. To grow tall and strong, it needs nourishment. A Term Loan provides that nourishment – the extra funds to invest in new ideas, reach new customers, and expand into new markets. It's like giving your business the fuel it needs to reach its full potential.

Simplified Budgeting

Budgeting can feel like a complicated puzzle. But with a Term Loan, you have one less piece to worry about. You know exactly how much you'll pay each month, making planning your finances easier and avoiding unexpected surprises. It's like having a roadmap that makes it easier to reach your financial goals.

Eligibility Criteria for Term Loan (Short & Long-term Loan)

Good Credit History: A strong credit score is crucial.
Business Viability: A sound and profitable business plan is essential.
Repayment Capacity: Demonstrate the ability to repay the loan on time.
Collateral: Some lenders may require collateral to secure the loan.
Business Registration: Ensure your business is legally registered.

Documents to apply for Term Loan (Short & Long-term Loan):

Business Registration Documents: (e.g., Certificate of Incorporation, Partnership Deed)
Financial Statements: (e.g., Profit & Loss Statement, Balance Sheet)
Income Tax Returns: (Individual and Business)
Proof of Identity and Address: (Aadhaar Card, PAN Card, Driving License)
Bank Statements: (Last 6 months)
Project Report: (For major investments)
Collateral Documents: (If applicable)

How to Apply a Term Loan?

Apply Term Loan (Short & Long-term Loan) at InvestKraft in India in 4 easy steps:

Visit InvestKraft Website

Explore loan options and submit an online application

Document Submission

Submit the required documents as per the checklist.

Loan Application Review

Lenders at InvestKraft will assess your application and eligibility.

Disbursement

Upon approval, the loan amount will be disbursed to your bank account.

About the Rate of Interest & Other Charges on Term Loans

Keep in mind that term loans also unlike other types of loans attract interest and other charges. Having a clear understanding of the same can help you make quick decisions. The Interest Rates vary based on factors like loan amount, tenure, creditworthiness, and market conditions. A one-time processing fee is charged for processing the loan application.

There are prepayment charges applicable on the loan repayment before the scheduled maturity date. You might end up paying a late payment fee for missed or delayed payments. So make sure you stay informed. For detailed information on personal loan or other products, you can speak to professionals at InvestKraft anytime during the office hours.

Interest rate	can vary from 10% - 42% per annum.
Processing Charges	usually 0.5% - 2.50% of the total loan amount
Pre-closure charge	generally, 2% -5% of the outstanding loan amount +GST
Bounce charges	most of the banks and NBFCs fix these charges at Rs. 500 + taxes in most of the cases

What our customers say

I was worried about my business expansion. Through the online sources, I came to know about Investkfraft. After I contacted these professionals they helped me in documentation and verification work. Within a few days, I got the required loan in my account in very little time.

Amar kumar

While I was suffering from heart issues, doctors asked me to go for an angioplasty treatment. Due to higher fees, I was not able to get the treatment. One of my friends suggested me to get the load from Investkfraft. I did the same and got an easy personal loan in very little time and at a very low-interest rate.

Aman Singh

I always wanted my daughter to study abroad. However, due to high travelling and living costs, I was not able to send my daughter abroad to study. When I heard about Investkfraft, I reached them to get a personal loan. Within a few days and with less documentation work, I got the amount in my account with the help of which I was able to pay my daughter’s fees and travelling charges.

Vikash kumar