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Boost Your Business with BL Overdraft (BL-OD)

A Business Loan Overdraft (OD) is a flexible borrowing option that allows businesses to access extra funds up to an approved limit, combining the benefits of a loan and an overdraft to manage cash flow effectively.

Get the money you need, fast! Our business loans Overdraft offer:

  • No collateral required 
  • Fixed interest rates (Start from 17% to 24% )
  • Flexible repayment plans to fit your cash flow
  • Limit up to Rs. 35 Lakhs for qualified businesses
  • Flexibility:
    • Borrow as needed within the limit, ideal for short-term expenses.
  • Cost-Effective:
    • Pay interest only on the amount used.
  • Cash Flow Management:
    • Smooths out cash flow gaps for uninterrupted operations.

Who can apply?

  • All businesses: Start-ups, established businesses, professionals (doctors, CA, architects, etc.)
  • Most industries: Manufacturing, services, retail, Trading and more
  • Turn over:  1Cr        and above

Simple Approval Process:

  • Apply with loanguruindia.com with minimal paperwork
  • Fast loan decisions

Use the funds for:

  • Managing seasonal fluctuations.
  • Handling unexpected expenses.
  • Bridging receivables and payables gaps.
  • Funding short-term operational needs!

Get started today!

Get Quote Instantly for Your

Business Loan Overdraft (BL-OD):

Business Loan Overdraft (BL-OD) Required Documents Checklist:

1. Identity & Proof of Residence (KYC Documents Individuals):

  • PAN Card
  • Aadhar Card
  • Photograph

2. Proof of Residence (Current):

  • Passport
  • Driver's License
  • Utility Bill (Electricity, Water)
  • Rental Agreement 

3. Business Credentials:

  • GST Certificate
  • Udyam Certificate
  • Last 12 Months GSTR 3B
  • Business Address Proof (if different from GST)
  • Vintage Proof of Business (Min. 1 Year and above)

4. Financial Documents:

  • Past 3 years Balance Sheet, Profit & Loss Statement & Audit Report (duly audited by a CA, if applicable) 
  • Income Tax Returns (ITRs) & Computation of Income (COI) (past 3 years)
  • Last 1 Year Bank Statements (Current & Savings accounts, all if multiple)

5. Additional Documents (Optional):

  • Proof of Current Residence/office Ownership (Utility bills within the last 2 months)
  • Running Loan Sanction Letter or Repayment Schedule (if applicable)

Note: Co-Applicant Documents are required some Banks and NBFC’s 

For More details call or what’s app to loanguruindia.com customer support

Simple Approval Process

Apply with loanguruindia.com with minimal paperwork

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Fast loan decisions

his process typically involves leveraging advanced technology and algorithms to assess the applicant's creditworthiness, financial history

Assessment of Needs

The borrower identifies the purpose of the loan and determines the amount needed. This step involves evaluating financial needs, budgeting, and understanding repayment capabilities.

Use the funds for

Managing seasonal fluctuations

Businesses analyze historical data and market trends to forecast upcoming seasonal fluctuations accurately. This proactive approach allows them to anticipate changes in demand, inventory needs, staffing requirements, and cash flow

Handling unexpected expenses

When faced with unexpected expenses, it's essential to assess the situation calmly and prioritize expenses based on urgency and importance.

Handling unexpected expenses

When faced with unexpected expenses, it's essential to assess the situation calmly and prioritize expenses based on urgency and importance.

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