Behind every successful start-up is an intelligent idea. However, it cannot be denied that when ideas do not get backed by proper funding, even the most creative minds may find themselves incapable of giving wings to these ideas. Working capital and an unrestricted cash flow are crucial for setting up businesses and making them profitable. Every company needs money to keep itself operational, hire staff that is aligned well with the company’s goal, acquire machines and technology that will help it grow and invest in its marketing to increase its visibility. Some start-ups and small companies get the backing of investors. However, not everyone who sets out to do business gets so lucky.
People who need money for business expansion can avail of a loan against property for business. Business loans are loans designed to fulfil the working capital requirements of a small company. These loans can be used to cover temporary shortages, maintain cash flow, hire staff and acquire technology or equipment, etc.
Also Read: Why Loan Against Property Can be a Good Credit Option for a Startup Business?
Lenders assess the risk involved in lending money to a borrower by checking their CIBIL score. The CIBIL score is a three-digit number between 300 and 900 that indicates a borrower’s creditworthiness and repayment capacity. Credit information bureaus calculate a credit user’s CIBIL rating after taking into account several factors, such as the borrower’s past credit history, their credit exposure, the number of loans they have applied for in the recent past, the credit mix they have, etc. The closer a person’s CIBIL score is to 900, the higher their chances of getting approved for a loan.
What is the Minimum CIBIL Score for Business Loans?
Any lender will offer you credit only when you meet their CIBIL score for a business loan and other requirements. Lenders are very specific about borrowers meeting their set qualifying criteria for loans. Borrowers who do not meet the eligibility requirements set by their lender often face rejection. So, what is the minimum CIBIL score for business loans? Lenders require borrowers to have a CIBIL score of at least 750. You may be able to avail of a Loan Against Property for your business even if your credit score is close to 700. However, the terms and conditions of the loan will not be favourable.
Here’s how a CIBIL score of 750 can prove helpful when applying for a business loan.
Quick Approval :
If you are applying for a business loan, in all likelihood you have a great idea and you want to put it into action as soon as possible. You need money and you need it quickly. A good CIBIL score ensures quick business loan approval.
Low Rates of Interest :
One of the key factors that affect the cost-effectiveness of a loan is the rate of interest offered. Low-interest rate loans are easy to repay as they have low EMIs. Further, a low rate of interest also reduces the total interest pay-out and therefore, decreases the overall cost of borrowing the loan. A CIBIL score of 750 is the mark of a highly creditworthy borrower. Borrowers know that such a borrower is highly unlikely to miss EMI payments. Therefore, lenders sanction loans to such borrowers at low-interest rates.
High Negotiating Power :
A CIBIL score of 750 and above makes one an ideal borrower and therefore, borrowers with such a CIBIL score have high negotiating power. If your free CIBIL score check delivers a result of 750, you can negotiate better with your lender and ask them for better terms and conditions on your loans, such as lower interest rates, higher loan sanctions, longer repayment tenor, etc.
Also Read: Tips to Maintain Your Business CIBIL Score Above 700
For all these reasons and more, borrowers planning to avail of a business loan must make sure they have a CIBIL score of at least 750 before beginning the loan application. If they do not have such a credit rating, they must work on improving their credit report first and then apply for a loan. Practising financial discipline is the only thing that can help one better their CIBIL score over time. Pay your EMIs and credit card bills on time, reduce credit exposure, limit new credit card and loan applications, etc. Doing so will
Now that we know the minimum CIBIL score for business loans and the benefits that come with such a loan, let us look at how to check the CIBIL score for free.
How to Check CIBIL Score for Free?
These days, many websites allow borrowers to check their credit scores for free. However, we recommend going to the official website of CIBIL and following these steps for a free CIBIL score check.
- On the official website of CIBIL, select ‘Get your CIBIL Score’
- During the next step, you will be required to enter details, such as your name, phone number, email ID, password, ID proof details, PIN Code, date of birth, etc.
- Enter these details and select ‘Accept and Continue’
- Once you do this, you will receive an OTP on your phone, enter this OTP and select ‘Continue’
- After you do this, select ‘Go To Dashboard’ on the next pop-up window.
- Doing this will take you to myscore.cibil.com
- Click ‘Member Login’ and you will be able to see your CIBIL score
If you have a great idea, do not think twice about funds. These days, many banks and NBFCs offer small business loans that specifically cater to the needs of small businesses. Further, lenders charge an affordable interest rate on these loans. However, you will be offered the most lucrative business loan deals only if your CIBIL score is at least 750. So, before beginning the loan application process, do a free CIBIL score check. If your CIBIL score is below 750, delay applying for the loan. First, work on your CIBIL score, take measures to push it into the very good or excellent category and then apply for a business loan.
Also Read: How to Check, Calculate, and Improve CIBIL Score?
DISCLAIMER:
While care is taken to update the information, products, and services included in or available on our website and related platforms/websites, there may be inadvertent errors or delays in updating the information. The material contained in this website and on associated web pages, is for reference and general information purposes, and the details mentioned in the respective product/service document shall prevail in case of any inconsistency. Users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/service document and applicable terms and conditions. Neither Bajaj Housing Finance Limited nor any of its agents/associates/affiliates shall be liable for any act or omission of the Users relying on the information contained on this website and on associated web pages. In case any inconsistencies are observed, please click on contact information.
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cibil Cibil
[N][T][T][N][T]
How to Check Your CIBIL Score for Free and What to Do If There Are Errors in It2024-06-05 | 4 min
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home+loan Home Loan
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What Affects the Interest Rate on Your Home Loan2024-03-13 | 5 min
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loan+against+property Loan Against Property
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3 Different Loan Against Property Types You Should Know About2024-02-13 | 5 Min
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loan+against+property Loan Against Property
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Easy Ways to Pick the Right Loan Against Property Tenor2024-05-14 | 3 min
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cibil Cibil
[N][T][T][N][T]
How to Check, Calculate, and Improve CIBIL Score?2024-01-11 | 2 min
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tax Tax
[N][T][T][N][T]
How to Save Tax for Salary Above 30 Lakh?2023-08-07 | 6 min
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tax Tax
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How to Save Tax Between Rs 20 to Rs 25L Salary in India2023-07-19 | 6 min
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home+loan Home Loan
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10 Smart Steps for Effective Home Loan Management2024-02-16 | 5 min
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home+loan Home Loan
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Advantages for First-Time Home Buyers2023-07-14 | 4 min
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home+loan Home Loan
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home+loan Home Loan
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How to Determine Your Ideal Credit Score for a Home Loan?2024-03-28 | 4 min
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home+loan Home Loan
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Would it be Possible for Me to Apply for a Second Mortgage?2024-05-22 | 3 min
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cibil Cibil
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Easy Ways to Maintain a Good Business Credit Score2024-01-10 | 5 min
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cibil Cibil
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Impact of Late Payment on CIBIL Score?2024-03-08 | 6 min
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home+loan Home Loan
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Common Myths About Home Loans: All You Need to Know2024-04-08 | 5 min
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5 Benefits of Availing of a Home Loan at an Early Age2024-05-10 | 3 min
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[N][T][T][N][T]
7 Smart Ways to Boost Your CIBIL Score for a Home Loan2024-05-09 | 6 min
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cibil Cibil
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Pay Minimum Amount Due on Your Credit Cards Will Impact Your Credit Score2024-03-11 | 5 min
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cibil Cibil
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Here’s How a Short-term Loan Can Help You Improve Your CIBIL Score2024-03-25 | 5 min
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cibil Cibil
[N][T][T][N][T]
How Can I Raise My Credit Score From 360 to 800 Within a Year?2024-03-21 | 5 min
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home+loan Home Loan
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What is an NOC Letter and Why is it Important?2024-05-14 | 3 min
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tax Tax
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Income Tax Structure in New Regime: New Tax Exemption Limit 20232024-05-08 | 4 min
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loan+against+property Loan Against Property
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Top 5 Issues Regarding Loan Against Property Application Rejection that You Might Face2023-02-14 | 5 min
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tax Tax
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Know all About Top Up Loans and How to Avail of Tax Benefits2023-12-12 | 5 min
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home+loan Home Loan
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5 Tips for Lowering Home Loan Interest Rates in 20232024-03-19 | 5 min
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home+loan Home Loan
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How Can Your Credit Score Impact Your Home Loan Interest Rate?2024-02-13 | 6 min
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[N][T][T][N][T]
Everything You Need to Know About Home Loan Tax Benefits2024-04-23 | 6 min
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cibil Cibil
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Does a Name Change Affect Your Credit Score2024-01-07 | 4 min
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home+loan Home Loan
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Home Loan Balance Transfer: Benefits, Eligibility, and More2024-05-15 | 3 Min
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home+loan Home Loan
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Benefits of Submitting a Digital Home Loan Application in Current Times2023-12-20 | 4 min
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home+loan Home Loan
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Common Mistakes to Avoid When Applying for a Home Loan2023-12-04 | 2 min
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home+loan Home Loan
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Differences Between Fixed and Floating Interest Rates2024-05-15 | 2 min
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cibil Cibil
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Everything You Should Know About Your CIBIL Score2024-02-09 | 7 min
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tax Tax
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Top Benefits of Using an Online Income Tax Calculator2023-12-28 | 5 min
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cibil Cibil
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What is Credit Score and Its Impact on Loan Availability2023-03-27 |
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cibil Cibil
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What Does Your Credit Score Tell About You?2024-06-11 | 5 min
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cibil Cibil
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Know How Mortgage Loan Affect Your CIBIL Score2024-02-05 | 5 Min
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home+loan Home Loan
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ITR Filing for Home Loan – Know the Right Process to File Your Income Tax Returns2024-02-16 | 5 min
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cibil Cibil
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Why is a CIBIL Score Measured Between 300 and 900?2024-05-07 | 4 min
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cibil Cibil
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What are the Types CIBIL Errors & How to Correct Them?2023-11-22 | 6 min
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cibil Cibil
[N][T][T][N][T]
What is CIBIL? Understand How It Works and Its Importance2024-01-31 | 6 min
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tax Tax
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What Does It Mean to Have a CIBIL Score of -12023-06-16 | 4 min
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home+loan Home Loan
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Home Loan Terminologies2024-06-01 | 3 min
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cibil Cibil
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What Are Tradelines and How to Find Them On Your Credit Report?2024-05-28 | 4 min
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home+loan Home Loan
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Ways to Check Bajaj Housing Loan Account Numbers2024-04-05 | 3 min
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home+loan Home Loan
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What Do You Need to Know About Home Loan Foreclosure?2023-03-23 | 5 min
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cibil Cibil
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Introduction to Credit Information Bureau India Limited (CIBIL)2024-04-15 | 6 min
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home+loan Home Loan
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Section 80EE: Claim Deductions on the Home Loan Interest Paid2023-02-17 | 6 min
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home+loan Home Loan
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What is the Process to Get Your Home Loan Approved Fast with Bajaj Housing Finance?2024-02-15 | 6 min
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home+loan Home Loan
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What are the Different Types of Loans Available in India?2024-01-02 | 5 Min
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cibil Cibil
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What Does a Zero or Negative Credit Score Mean?2023-02-24 | 4 min
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cibil Cibil
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How Many Credit Inquiries are Too Much in a Year2023-09-21 | 2 min
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cibil Cibil
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How to Check CIBIL Score Online?2023-03-14 | 5 min
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home+loan Home Loan
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Top 5 Home Loan Benefits for First-time Woman Buyers2024-05-14 | 5 min
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home+loan Home Loan
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Importance of an NOC Letter after Closing Your Home Loan2023-12-14 | 6 min
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home+loan Home Loan
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Benefits of a Joint Home Loan with your Spouse2023-08-04 | 4 min
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home+loan Home Loan
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How to Pick the Best Home Loan Tenor that Suits Your Budget2023-06-29 | 5 min
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home+loan Home Loan
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How Digital Platforms Are Revolutionising the Face of Housing Finance2023-12-21 | 7 min
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home+loan Home Loan
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What is the Ideal Down Payment for a Home Loan?2024-05-16 | 5 min
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tax Tax
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Comparison Between New Tax Regime vs Old Tax Regime2024-04-10 | 5 min
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home+loan Home Loan
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Know All About the Home Loan Foreclosure Procedure2023-12-20 | 5 min
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cibil Cibil
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10 Common Myths About CIBIL Score2024-03-27 | 4 min
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cibil Cibil
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Check CIBIL Score with PAN Card for Free, in 3 Steps2024-02-27 | 5 min
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home+loan Home Loan
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Advantages of Including a Co-Applicant on Your Home Loan2024-01-21 | 7 min
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home+loan Home Loan
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What is the Difference Between Top-up Loan and Home Improvement Loan2023-01-11 | 5 min
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home+loan Home Loan
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Are Registration Charges Compulsory When You Opt for a Home Loan?2024-04-15 | 5 min
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home+loan Home Loan
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Can I Take a Home Loan and a Personal Loan Together?2024-01-17 | 4 min
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home+loan Home Loan
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Should You Take a Home Loan Even If You Have Enough Money to Buy a House?2023-01-30 | 3 min
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home+loan Home Loan
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7 Common Problems You May Face While Applying For Home Loan2024-01-18 | 7 min
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home+loan Home Loan
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What Happens If Home Loan EMI Bounces? Know the Consequences2023-07-11 | 5 min
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home+loan Home Loan
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Hybrid Flexi Loan vs. Personal Loan: Which One is Better?