Sara Finance

Businesses are full of opportunities. If you come across a highly profitable deal, which requires funding but you don’t have collateral to offer. What would you do? Simply, take Unsecured Business Loans. We help organize loans up to 7 Crores without any collateral.

Some strong benefits of Unsecured Business Loans:

• Without any collateral security
• Additional Limit other than your regular bank finance
• Disbursement within 7 to 15 days
• Interest fully deductible in Income Tax
• Improves your CIBIL score gradually

Additional Information:

• Item Code: UBL

For all kind of capital expenditure – like setting up factory, purchasing commercial gala, constructing residential or commercial buildings, Project Loans are available./p>

Key Advantages of Project Loans:

• Project Loan can be granted to the new projects, which doesn’t have any track of performance or income.
• Moratorium Period is available, when the only interest can be served.
• In certain instances, the collaterals required are relatively low.

Additional Information:

• Item Code: PF

Everyone comes across “big opportunity” in his life. But sometimes the opportunity is so big, that your regular income can not capture it.Don’t worry. Your Home can become your funding partner!

Irrespective, whether you have a home - free of all loans or home loan still running, we can still organize the mortgage loans for you.

Certain advantages of Mortgage Loans:

• Interest Rates are marginally higher than Home Loan Rates
• Comfortable EMI due to tenure up to 15 years
• Comfortable terms for part payments
• Quick Processing and delivery of loan

We are the Authorized Distributor of 15 Banks and NBFCs which can offer most competitive pricing and the maximum unlocking of value of your properties.

Businesses are full of opportunities. If you come across a highly profitable deal, which requires funding but you don’t have collateral to offer. What would you do? Simply, take Unsecured Business Loans. We help organize loans up to 7 Crores without any collateral.

Some strong benefits of Unsecured Business Loans:

• Without any collateral security
• Additional Limit other than your regular bank finance
• Disbursement within 7 to 15 days
• Interest fully deductible in Income Tax
• Improves your CIBIL score gradually.

Many businesses have a short working capital cycle. They don’t need the CC or Working capital facility because in their business, the investment in debtors and stock is relatively low. Such businesses might need funds for long term investments in infrastructure, branding or even to revamp the technology. We can help such businesses to raise the funds through this product.

Most Important Benefits of Loan against Property are:

• Interest Rates are better than working capital rates
• No need to pay renewal charges every year
• Long Tenure – So relatively much smaller EMI
• Interest fully deductible in Income Tax – Sometimes even more beneficial than Home Loan.

We have 15 Banks & NBFCs which can provide you the solution which best fits your requirements.

It works almost the same way, like Loan Against Property. The only difference is, instead of EMI, one has to serve only the interest.

Biggest benefit of this product is that interest is payable only on the amount used, not on the total limit.

Any manufacturing or service industry which requires machineries, can take term loans to purchase the machinery. By doing this, the capital expenditure cashflows can be distributed in multiple years, while the benefit of production can be achieved immediately.

Other than nationalized and co-operative banks, there are certain NBFCs which has a complete focus on machinery term loans. We have 6 NBFCs which focuses on machinery funding.

Important USPs of Machinery Loans are:

• No Collateral or Low Collateral required
• Term Loans available for 5 years
• Interest Rates are competitive
• Sanction of Loan in 7 to 21 days.

Bank Guarantees are of two types – Performance Bank Guarantee and Financial Bank Guarantee.

In many businesses, the terms of the contract are such that if the work is not completed as per the specification or as per the time lines, there are penalties payable by the contractor. In such instances, the contractee insists on issuing performance bank guarantees in favor of contractee before the work starts.

In certain other cases, the contracts are not granted unless one pays earnest money or deposits. Sometimes, they also ask the contractor to furnish Financial Bank Guarantee, which is in replacement of Deposit or Earnest Money.

Key Benefits of Bank Guarantees are:

• They are Cost Effective compared to other working capital finance
• One doesn’t have to block his full cash, which he would have to, if he has to pay deposits or earnest money.