Financeseva-Loan

  What is a machinery loan?  It is a business loan for the purpose of buying new/used machinery or equipment for a business. Machinery plays a significant role in the success of a business and achieving the production target. Machinery loan upgrades to newer technologies using which production can be increased in less time. As a result, production will be able to meet customer needs within time. Naturally, manufacture products that will be high in quality  The machinery you invest in via machinery finance solutions will improve your manufacturing efficiency and result in timely delivery of products. Improved productivity will naturally improve sales, leading to greater ROI (Return on Investment). Moreover, the increase in productivity will reduce the cost per unit, further enhancing profits.  You can apply online via website of various banks and other financial institutions and have your loan approved or You can physically visit any of our nearby branches of banks....

  Commercial property loans have been one of the most common methods of borrowing money from external sources such like banks, non-banking financial companies or financial institutions to start a new business venture or do expansion of existing business. What is an EMI? An EMI stands for equated monthly instalments that is a pre-defined fixed amount to be paid on a specific date each month by the borrower in order to clear off an outstanding loan within the set-out time frame. An EMI amount includes the interest plus the principal amount Commercial property loan accrued on the loan amount. Commercial loan EMI calculator Calculating EMIs manually can be a very time consuming and complicated process. This is where a Commercial loan EMI calculator comes in handy. A Commercial loan EMI calculator is an online tool that helps you calculate your loan equated monthly installments based on the details you provide.   Howsoever, the EMI of your loan will be equal but the components...

  What is Venture Debt?   Venture debt is a kind of debt financing taken by startup businesses and early-stage companies. This kind of debt financing is commonly utilized as a complementary technique to equity venture financing. Venture debt can be provided by two different banks that specializing in venture lending and non-bank moneylenders.  Venture debt can be a feasible option in equity venture financing. Similar to different strategies for Venture Debt Loan debt funding, an essential advantage is forestalling the further weakening of the equity stake of an organization's existing investors, including its workers.  How Does Venture Debt Financing Work?   Venture debt works uniquely in contrast to standard mortgages. The debt is short-to medium-term in nature (up to three or four years). The principle of obligation is typically resolved utilizing the sum brought up in the last round of equity financing. The commonly acceptable principal amount is 30% of the...

  Current bank overdraft rates Bank overdraft is a credit facility in which the money can be withdrawn from the current or savings account, even if the account balance is zero or even below. A Banks overdraft  is a type of extension of the credit limit offered by banks. The sanctioned limit is said to be ‘overdrawn’. An authorized Overdraft limit is assigned for each customer depending on their relationship with the bank .  Banks overdraft fees customer can withdraw money up to the assigned limit. Banks charge interest rates only on the utilized amount from the total sanctioned limit and are renewed every 12 months. Features Overdraft is a credit facility that can be availed by maintaining any bank account (savings or current) Interest rate is charged only on the utilized amount from the total sanctioned limit Several Private Sector and Public Sector Banks offer this facility for both salary and savings account holders Money extension is granted on the basis of the c...

  What is a Machinery Loan? Machinery is one of the ideal ways for equipment financing that easily removes any hurdles in getting success for the business. In simple terms, a Machinery loan is regarded as a category of business loan which is very essential for those business entities and business owners who are getting financed to purchase machinery/equipment.   Such financial help for machinery purchase assists business owners in achieving more productivity with the help of newly purchased machinery and equipment. As we all know, increased output or production thereby results in an increase in profits as well from distribution and sales. Eligibility Criteria for Machinery Loan Applicant age must be within 21- 65 years in order to be eligible for applying for a loan for machinery. Business should be at least 2 years old. Income Tax Return documents for the last two years. Bank statement of last twelve months Applicants cannot afford to be a defaulter on any previous loan. Mor...

Secured Loan A secured loan is a loan backed by collateral, the financial assets you own like a home or car or bond or share are considered collateral. The idea behind a secured loan is a basic one. Lenders accept collateral against a secured loan to motivate borrowers to repay the loan on time. After all, the anticipation of losing your home or car is a powerful encouragement to repay the loan and avoid any kind of repossession or foreclosure. Financeseva provide both secured and unsecured loans at competitive rates with a host of benefits. There are almost 80+ customized loan products available in the portal of  financeseva , where you can search, compare and choose the right financial product that best suits your profile and requirements. When you approach any lender for a   secured loan , then the lender will ask which type of collateral you’ll put up to “back” the loan. Let’s assume that if you have facing an issue in paying the loan, the lender can put a lien on the coll...

  Capital Asset Pricing Model   The Capital Asset Pricing Model (CAPM) entails the relationship between the expected return and the risk of investing in security.    This model is used to analyze securities and price them given the expected rate of return and cost of capital involved.   CAPM Formula   The ( capital asset pricing model ) CAPM formula is represented below   Expected Rate of Return = Risk-Free Premium + Beta * (Market Risk Premium)   Ra = Rrf + βa * (Rm – Rrf )     Components of CAPM  CAPM – cost of equity   Risk Free Rate –     The return investor expects from a completely risk-free investment   Should be in the currency cash low   Beta   The degree to which a company’s equity returns varies with the return of the overall market.   Beta is a function of both the business risk as well as the financial risk   Beta is a measure of systematic risk   Risk Premium   I...