Power Your Business with a Commercial Loan from Today Finserv
- akstopseo
- 6 hours ago
- 4 min read
At Today Finserv Consulting India, we make finding the right money simple and fast. We’ve built our commercial loan services to fit the real-life challenges of Indian entrepreneurs, small and medium-size companies, and big enterprises. With us, you get the money you need without extra red tape.
What is a Commercial Loan?
A commercial loan is funding that businesses like yours get to cover things like day-to-day costs, major purchases, or big growth plans. Banks, NBFCs (that’s Non-Banking Financial Companies), or financial guides like Today Finserv can write these loans.
Commercial loans are different from personal loans because they are made just for business. They usually have bigger amounts, flexible timing, and repayment plans that match how cash comes in and out of your company.
Who Can Benefit from a Commercial Loan?
Commercial loans are handy tools for almost any size or type of business, including:
Manufacturing Firms: Funds can pay for new plants, production lines, or robotic systems.
Retail and Wholesale: Seasonal spikes and stacked shelves are easier to manage when you borrow to cover inventory.
Construction Companies: Money can be directed toward new building sites or to buy big machines like cranes and concrete mixers.
Startups and Small to Medium Enterprises: A little cash can cover daily expenses until you start bringing in customers.
Service Businesses: Money can upgrade your office, buy new software, or open a new branch.
Whether you’ve run a company for years or are just putting your first plan on paper, a commercial loan can help your business grow faster and with more muscle.
Loan Options We Provide
Term Loans
These loans are like a long-range plan. You borrow a lump sum to buy big items like a factory or a fleet of delivery vans, and then pay it back over 1 to 10 years.
Working Capital Loans
Think of these loans as a cushion for everyday bills payroll, electricity, supplies, or ads so your cash flow stays steady.
Equipment Financing
If your business relies on tools and machines, this option helps you lease or buy new gear without emptying your savings.
Loan Using Your Property (LAP)
Get a big loan by using your home or office property as security. LAP charges lower interest and lets you borrow more money.
Overdraft Services
This smart credit lets your business spend a little more than what’s in your current account. You can withdraw cash up to a limit we agree on, and you pay interest only on what you use.
Commercial Vehicle Loans
Buy trucks, vans, or any business ride without hurting your cash flow.
Why Smart Businesses Choose Today Finserv?
Picking the right lender can change everything. Thousands of business owners trust us, and here’s why:
Loans Tailored Just for You
Fast, Clear, and Fair Processing
Low Rates and Flexible Payback Plans
Light on Paperwork
Friendly Financial Advice
Support Every Step to Your Loan
We link you to leading banks and NBFCs, so you get the best deal in no time and without the fuss.
Eligibility Criteria
When it comes to commercial loans, most lenders look at how long you’ve been in business, what you do, and your company’s credit health. Here’s what you usually need:
You should have been operating for at least 1 to 3 years.
Your business must have a valid registration or license.
You need positive cash flow and solid financial records.
A credit score of 650 or higher is generally required.
If you’re going for a secured loan, you’ll need collateral, but it’s not a must for unsecured loans.
Documents Required
We want to make the paperwork as easy as possible, so you can get the funds you need, fast. The basic documents you’ll need are:
KYC documents, like Aadhar, PAN, or Passport.
Your Business Registration Certificate and GST registration.
Income Tax Returns for the last 2 to 3 years.
Bank statements covering the last 6 to 12 months.
A Balance Sheet and a Profit & Loss Statement.
Property documents, if you’re applying for a Loan Against Property.
Our team is always ready to help you gather and check these papers, so you don’t run into any hold-ups.
How to Apply for a Commercial Loan with Today Finserv?
Getting started is simple:
Contact Us: Visit our website or just call our helpline.
Get a Free Consultation: Talk to one of our loan specialists. They’ll listen to what you need and recommend the best options.
Document Submission: Hand in the business and ID paperwork you’ve collected.
Loan Matching: We’ll search offers from several lenders and find the best deal for you.
Approval & Disbursement: Once you’re approved, the cash usually lands in your account in 48 to 72 hours.
Tips to Boost Your Loan Eligibility
Keep your financial records tidy.
Pay taxes by the due date.
Cut down on existing loans.
Keep your credit score strong.
Avoid bounced cheques and missed EMIs.
Our advisors create a personalized roadmap to help you strengthen your loan profile and improve approval odds.
A commercial loan is more than cash; it’s the chance to grow. Get the right funds at the right time, and you can push your business forward. Today Finserv Consulting India is your go-to financial partner, offering smart advice, quick loan releases, and connections to India’s best lenders. Together, we’ll turn your vision into a successful future.
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