Everything you should know in the world of Finance

As a self-employed professional, bringing home a steady pay check every month is never guaranteed. Income can fluctuate dramatically based on business cycles, client payments, and general economic conditions. So, when planning to take on a major recurring expense like a used car loan, meticulously managing your overall finances before and after securing financing becomes critical. 

For medical practitioners in India, owning a reliable car brings immense convenience when commuting to hospitals, clinics, diagnostic centres, and patients’ homes at odd hours almost daily. However, the high prices of new cars and even pre-owned models make financing the only viable option for most resident doctors, nurses, technicians and support staff working in the healthcare sector.

Whether managing a thriving cafe in Bengaluru or operating a retail establishment in Delhi, securing adequate funding to support business growth or address cash flow challenges remains a critical priority for business owners in India. Here, two popular financing options stand out: merchant cash advances and traditional business loans. Determining which option between merchant cash advance vs. traditional business loan best suits your needs is essential. This article provides a comprehensive analysis of both options, outlining their advantages, disadvantages, and appropriate use cases.

Many businesses face temporary cash flow gaps between securing new funding rounds or while waiting to complete a major deal. Bridge loans act as short-term financing to help cover these gaps. This article outlines the essential steps for obtaining bridge financing from lenders.

What Are Bridge Loans?

A bridge loan is a short-term loan that provides temporary financing until additional funding is secured. These loans "bridge the gap" between regular funding rounds or major business deals.

Typical situations where companies utilise bridge financing include:

Lease rental discounting (LRD) has emerged as an innovative funding tool that allows businesses to raise working capital against their leased rental receivables. By availing LRD, companies can get immediate access to a large lump sum of capital to fund growth plans or working capital needs. The loan provider advances funds based on the discounted value of future rental income and collects rent directly from tenants as per the lease agreement.

Lease rental discounting (LRD) enables commercial property owners to secure loans by pledging the future rental income from leased properties as collateral. This provides liquidity without selling the asset. An important factor in LRD is the discount rate, which determines the eligible loan amount. This article explains what the lease rental discount rate means, why it gets applied, and the methodology for calculating suitable discount rates on rental incomes.

Operating a business within the rapidly evolving Indian market entails numerous challenges. For a small shop owner in Delhi or a growing restaurant chain in Chennai, managing cash flow ups and downs can be challenging. This is where merchant cash advances help – by providing quick, flexible financing against future card sales. If you are interested in applying for a merchant cash advance online, refer to this comprehensive guide.

Financial emergencies may arise unexpectedly. Your car breaks down, a family member falls ill, or you lose your job unexpectedly. When urgent cash is needed, it is natural to feel concerned. However, timely financial assistance is available in the form of demand loans. 

Purchasing a home is often one of the most significant financial decisions in an individual’s life. It represents an exciting opportunity to own a place of one’s own. However, the process of obtaining home financing can be confusing for first-time home buyers. This comprehensive article breaks down everything you need to know about mortgage loans to help you make informed decisions.

Expanding a business often requires significant capital, and leveraging your property through a Loan Against Property (LAP) is an efficient way to access substantial funds without selling your assets. Below is a comprehensive overview of how an LAP works and why it is a great choice for business growth. The blog also discusses how a Loan Against Property EMI calculator can help you plan your finances.