welcome to Ganpati finance ltd

Business loans are the primary financial commodity used by individuals and companies to start a business, revamp existing businesses, and for expansion purposes.

Business loans are provided to meet the requirements of working capital, purchase equipment or machinery, boost business cash flow, and much more.

No longer do you have to stifle your creative ideas. With funds at your disposal, you can now Expand your business without hesitation. So the Business Loan (I.T.R Loan) is just few steps ahead of you, follow the following steps and formalities required to get a Business Loan (I.T.R) from us (it's very easy, just take the Steps......)

Loan against property allows you to use the value locked up in a property to meet any expenses you may have. While the loan amount depends on the total value of your property, you are free to use the funds as you see fit. Your property acts as collateral for the loan, but you can continue to use it as before.

Some of the basic purposes for which this loan is usually taken are expanding business, acquiring assets, education needs, marriage, etc. The loan is granted against the mortgage of the residential/commercial/industrial property. The end use of the loan should be from the uses allowed by the bank. The borrower is required to declare the end use of the loan in its application form.

 Home loans are easily accessible financing options in India when it comes to property buying. Borrowers can avail funds of up to 80% of the property’s current market value. With us, receive adequate financial assistance in the form of Home Loan for up to Rs. 3.5 Crore, and invest in the purchase or construction of your residential property. It comes with a plethora of benefits to aid you in getting your dream home easily.

Every borrower needs to meet the eligibility criteria required to qualify for a home loan. This ensures that he/she can repay the loan amount effortlessly without defaulting. Failing to meet the eligibility criteria may lead to rejection of the loan application, leaving a negative mark on the individual’s credit profile. So, ensure to complete the processing faster and smoothly by fulfilling the required eligibility criteria.

Introduction to Project Loan

Project Loan is the funding (financing) of long-term infrastructure, industrial projects, and public services using a non-recourse or limited recourse financial structure. The debt and equity used to finance the project are paid back from the cash flow generated by the project. Project financing is a loan structure that relies primarily on the project’s cash flow for repayment, with the project’s assets, rights, and interests held as secondary collateral. Project Loan is especially attractive to the private sector because companies can fund major projects off-balance sheet.

Project Loan is a form of syndicated finance designed for long–term infrastructure and industrial projects often involving governments. We play a significant part in funding projects in various industrial sectors, catalyzing public and private partnerships and reducing project risk using a mix of government credits, insurance and private lending. Project Loan is the long-term financing of infrastructure and industrial projects based upon the projected cash flows of the project rather than the balance sheets of its sponsors. Usually, a project financing structure involves a number of equity investors, known as 'sponsors', and a 'syndicate' of banks or other lending institutions that provide loans to the operation. They are most commonly non-recourse loans, which are secured by the project assets and paid entirely from project cash flow, rather than from the general assets or creditworthiness of the project sponsors, a decision in part supported by financial modeling. The financing is typically secured by all of the project assets, including the revenue-producing contracts. Project lenders are given a lien on all of these assets and are able to assume control of a project if the project company has difficulties complying with the loan terms.  

            Documents Requirement

• Photocopy of Project Report.
• Client’s five latest passport size photographs.
• Address proof and identity proof of the loan.
• PAN Card of the Company.
• I.T.R. Last 1 years and Bank Statement of 3 months.
• Photocopies of property documents. & Project Reports