5 Karan Jiski Wajh Se Aapke Business Loan Ko Kharij (Reject) Kiya Ja Sakta Hai: Aap Iske Liye Kya Kar Sakte Hain

1.kam credit score aur paryapt collateral na hona

Sabhi banks check karte hain ki aap loan wapas karne ke kabil hain ya nahin. Kam credit score hona aur koi collateral nahi hone par aapko bharosemand nahin samjha jata hai.

Upaay:

Ab aapke paas pehle se kayi adhik vikalp hain. Un banks mein koshish karen jahan aisi sharten nahin hoti.

2.Vyavsay ki pragati mein girawat aur kam cash flow

Agar aap lagatar munafa nahin kama rahen hain to iska matalb yah hoga ki aap apne vyavsay ko sahi dhang se nahin chala rahe aur is wajh se aapko loan nahin milega.

Upaay:

Un accounting softwares ka istemal karen jisse aapko business reports milti hai, in reports ki madad se apne cash flow ko monitor karen aur sahi faislen le.

3.Vyavasayik transactions ke pukhte kagzat na hona

78% vyapari apne accounts ka hisab paper par rakhte hain jo samay ke sath kho jati hai. Dukhad hai ki sabhi bank business ke vyavasthit financial statement ki maang karti hai.

Uppay:

Apne accounts ko digitally manage karne ke liye accounting software ka istemal karen. Iski wajah se vyavsay se judi kisi bhi jaankari ko turant dekha ja sakta hai.

4.Loan ke liye vyavsay kafi naya hai

Jab aapki pichle pradarshan nahin hote to loan milna aur kathin ho jata hai. Loan apply karne se pahle khud ko vishwashniya banayen.

Upaay:

Agar aap pehli baar vyavsay shuru karne ja rhe hain to dusre any srot dhundhen jaise ki parivaar, rishtedar, dost, credit cards aur sarkar dwara milne wale chhote vyavsayik loan.

5.Loan lene karan thos nahi

Bank ko pata hona chahiye ki aap apne paise kahan invest karne wale hain. Agar aapke paas sahi uddeshya nahin hua to bahut kam sambhavna hai ki aapko loan diya jayega.

Upaay:

Aapko loan kyun chahiye? Kya isse aap jaruri upkaran khareedna chahte hain, ya inventory khareedna chahte hai, ya apne dukan ki marammad karana chahte hain? Loan lene ke liye koi thos uddeshya de.

Aap shyad yah bhi padhna chahenge: 

5 Achhe Karan Business Loan Lene Ke Liye

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