Introduction If you need money to start a business, expand an existing business, purchase property, construct a building, or develop a real-estate project, you must clearly explain how much funding you need and how you plan to use it. Simply telling a lender or investor that you need ₹5 crore, ₹20 crore, or ₹100 crore may not be enough. They will usually want to understand the purpose of the...
October 2026
Introduction If you are looking for a loan or funding for a business or real-estate project, you may come across banks, NBFCs, private funding companies, investors, consultants, and loan intermediaries. Some may ask you to pay a processing fee, legal fee, valuation charge, verification fee, or another expense before proceeding with your application. But how can you know whether the provider is...
Introduction When you apply for a loan or seek funding for a business or real-estate project, the lender or investor may need to verify your information before deciding whether to proceed. This verification process is called due diligence. Due diligence helps a funding provider understand the borrower, check whether the documents are genuine, assess the financial risks, and determine whether the...
Introduction When you apply for a loan, one of your first questions may be: How many days will it take to get the money? The answer depends on the type of loan, the amount required, the lender's process, your financial profile, and whether all the required documents are ready. Some personal loans may be approved and disbursed within a few working days. A home loan may take longer because the...
Introduction When you apply for a loan, the lender does more than check your application form. It may verify your identity, examine your income and bank statements, check your credit history, assess your repayment capacity, and review the property or other security offered against the loan. This entire assessment and approval procedure is generally called loan processing. During this process, the...
Introduction When comparing loans in India, many borrowers look only at the interest rate. However, the loan with the lowest advertised interest rate is not always the cheapest option. You should also compare processing fees, legal and valuation charges, insurance costs where applicable, repayment tenure, prepayment conditions, late-payment charges, and the total amount you will repay. For...
Introduction If you apply for a loan in India, the lender will assess your financial position, repayment ability, credit history, documents, and the purpose for which you need the money. However, having a good income or a high CIBIL score does not automatically guarantee loan approval. Different lenders have different eligibility rules, and the requirements also depend on the type and amount of...
Introduction If you are planning to apply for a loan in India, one of the first things you should do is prepare the required documents. Banks, NBFCs, and other funding providers use documents to verify your identity, check your income, understand your financial position, assess your repayment ability, and confirm the details of the purpose for which you need the loan. However, the documents...
Introduction If you are looking for an investor for your business or real estate project, preparing the right documents is one of the most important steps. An investor will usually want to understand what you are planning to do, how much money you need, how the money will be used, what risks are involved, and how the investment may generate a financial return. For example, if you own land and...
When a business owner, builder, or real estate developer needs a large amount of money for a project, two terms often come up: project investment and project finance. Both can help fund a project, but they do not always work in the same way. Project investment usually involves an investor contributing money in exchange for an agreed financial benefit. Depending on the arrangement, the investor may...
