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Business Loan Asani Se Lene Ke Liye 5 Mahatvapurn Dastavez

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Business loan ke liye apply kar rahe hain?

Apne business ko badhana chahte hain par aisa karne ke liye aapke paas paryapt punji ya bachat nahin hai. Aisi paristhitiyon mein hin aapko vyavsayik loan (business loan) ki aavshyakta hoti hai. Aur jis tarah sabhi achhi chizen ke milne me waqt lagta hai thik usi tarah business loan bhi aasani se nahin milte.

vyavsayik loan milna koi aasan baat nahin hai. Khas kar chhote vyavsayon ke liye loan dene ke liye banks ke niyam kafi sakht hai. Halanki business loan milna kafi kathin hai par jitni achhi aapki taiyari hogi utna achha hoga.

Sahi kagzat hone ki wajh se aapko loan milne ki sambhavna 50% badh jati hai.

Aisa isliye kyonki aapko loan milne ki sambhavna aapke loan wapas karne ki kabiliyat par nirbhar karti hai. Sabhi bank ki apni alag alag jaruraten, maandand (criteria) aur paatrata niyam hote hain jisse pata kiya jata hai ki aap yogya hain ya nahin.

Yah to sach hai ki loan lene ki prakriya bahut lambi hoti hai par yah aapke liye bahut aasan ho sakta hai agar aapke paas apne vyavsay ke sahi aarthik kagzat (financial documents) hai.

Yah rahe wo documents (kaagzat) jo aapko business loan jaldi lene ke liye taiyaar karta hai:

Sabhi dendar/bank aapko business loan dene se pehle aapki aarthik sthiti (financial status) ko parakhta hai.

Unhen aapse yah ummid hoti hai ki aap apne sabhi transaction record ko jama karenge jo ki audited ho.

Yahi karan hai ki yah sujhav diya jata hai ki account mein sabhi sale aur payment ki jaankari rakhen.

Fir bhi kayi vyapari khata maintain karna bhul jate hain kyonki unhen dusre aur bhi kaam hote hain. Ek achha accounting software kisi bhi vyapari ko vyavsay se jude kisi bhi jaankari jaise sale,purchase, transaction ko turant bina kisi pareshani ke dekhne mein madad karta hai.

Bank yah dekhta hai ki aapko kitne paise dene hain aur kitne rupay lene hain kyonki yah anivary hai.

Isse dendar ya bank ko aapke vyavsay ki aarthik sthiti ka pata chalta hai aur wah isse anumaan lagatae hain ki aap loan wapas kar payenge ya nahin.

Achha cash flow report hone ki wajh se aapke vyavsay mein dhokhebazi ke kam zokhim hote hain. Isi wajh se aapke vyavsay ki aarthik sthiti (financial state) pardarshi honi chahiye.

Dhyan de ki loan apply karne se pahle aapke paas cash flow statement ho. Aur yahan bhi Vyapar App jaisa achha accounting Software aapko bina kisi mehnat aur pareshani ke cashflow report banane mein madad karta hai.

 Profit (munafa) aur loss (nuksan) ke statement se pata chalta hai ki aapne diye gaye samay mein kitna munafa kamaya hai.

 Aapka bank yah pata karna chahega ki aapne kitna munafa kamaya hai aur aapki aay kitni hai.

 Agar aap lagatar munafa kamate hain to sambhavna hai ki aap aarrthik roop se taiyaar hai aur loan wapas kar sakte hain. Isliye aapko apne pichle sabhi nuksan aur munafe ki jaankari deni hogi.

Apne profit aur loss ki jaankari chahte hain? Vyapar App ki madad se apne business accounts maintain karen aur din/mahine/saal ke mutabik apna munafa pata karen wo bhi bina kisi mehnat ke.

Aapke balance sheet ki madad se aapke vyavsay ke bahar ke log aasani se pata kar lenge ki aapki aarthik sthiti kya hai.

Sath hi isse bank ko pata chalega ki loan ka paisa kahan kharch hoga aur unhen kabtak loan wapas milega. Isse pata chalta hai ki loan wapas milne mein kitna zokhim hai.

Loan apply karte waqt bank aapke balance sheet ko review karegi taki unhen pata chale ki aap kam samay mein kis tarah se apni arthik pareshani ko sambhalte hain.

Sirf bank ke liye hi nahin yah statement aapke liye bhi faydemand hai. Isse aapko apni aarthik sthiti ka pata chalega aur aap sahi faisle le payenge. 

Isse aap yah bhi jaan payenge ki aap apne inventory ki bikri kabtak kar payenge. Isse aap apne grahakon ki pasand bhi jaan payenge.

Aakhir mein bank aapke pichle saal ke business tax returns dekhna chahega. Isse wah verify karenge ki jo jaankari aapne dusre financial statements dwara di hai wah isse milte hain ya nahin.

 

Banks ko humesha hi in financial statement ki avashyakta hogi taki wo pata kar saken ki aap loan wapas karne ke kabil hain ya nahin. In 5 business-financial documents (kagzat) se dendar ya bank ko aapke vyavsay ki aarthik sthiti ka achhe se pata chal jayega aur wah yah bhi dekh payenge ki aap loan dene ke liye bharosemand hain ya nahin.

Agar aap yah sabhi documents nahin rakhte hain to ab samay aa gya hai ki aap inhen maintain karen taki aapko bhavishya mein kbhi bhi loan apply karne mein koi pareshani na ho.

Isliye apne khate ke sabhi jaankari ko pehle din se hin sambhal ke rakhne ke liye aapke paas accounting software hona bahut jaruri hai.

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