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Source: https://tariqulhasanrocky14.blogspot.com/feeds/posts/default

1. <?xml version='1.0' encoding='UTF-8'?><?xml-stylesheet href="http://www.blogger.com/styles/atom.css" type="text/css"?><feed xmlns='http://www.w3.org/2005/Atom' xmlns:openSearch='http://a9.com/-/spec/opensearchrss/1.0/' xmlns:blogger='http://schemas.google.com/blogger/2008' xmlns:georss='http://www.georss.org/georss' xmlns:gd="http://schemas.google.com/g/2005" xmlns:thr='http://purl.org/syndication/thread/1.0'><id>tag:blogger.com,1999:blog-3075545820810660676</id><updated>2024-02-08T06:16:41.617-08:00</updated><title type='text'>Tariqul14</title><subtitle type='html'></subtitle><link rel='http://schemas.google.com/g/2005#feed' type='application/atom+xml' href='https://tariqulhasanrocky14.blogspot.com/feeds/posts/default'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3075545820810660676/posts/default'/><link rel='alternate' type='text/html' href='https://tariqulhasanrocky14.blogspot.com/'/><link rel='hub' href='http://pubsubhubbub.appspot.com/'/><author><name>Tariqul</name><uri>http://www.blogger.com/profile/12501652720337853288</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><generator version='7.00' uri='http://www.blogger.com'>Blogger</generator><openSearch:totalResults>11</openSearch:totalResults><openSearch:startIndex>1</openSearch:startIndex><openSearch:itemsPerPage>25</openSearch:itemsPerPage><entry><id>tag:blogger.com,1999:blog-3075545820810660676.post-8112074065697528624</id><published>2022-10-30T22:12:00.009-07:00</published><updated>2022-10-30T22:12:48.419-07:00</updated><title type='text'> many insurance companies feature premium </title><content type='html'>&lt;p&gt;&amp;nbsp;&lt;b&gt;&lt;span style=&quot;color: #111111; font-family: &amp;quot;Arial&amp;quot;,sans-serif; font-size: 20.5pt; mso-fareast-font-family: &amp;quot;Times New Roman&amp;quot;;&quot;&gt;Harmful Substances&lt;/span&gt;&lt;/b&gt;&lt;/p&gt;
2.  
3. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: 19.5pt;"><span style="color: #222222; font-family: "Verdana",sans-serif; font-size: 11.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Most insurance companies raise premiums for their policies and,
4. in some cases, refuse to insure those who smoke, chew tobacco
5. <a href="https://magazinehouse.us">magazinehouse.us</a>   , or snuff because
6. they are more susceptible to life-threatening illnesses such as cancer. As a
7. result, the premiums of senior citizen health insurance are affected.<o:p></o:p></span></p>
8.  
9. <p class="MsoNormal" style="background: white; line-height: 28.5pt; margin-bottom: 15.0pt; margin-left: 0in; margin-right: 0in; margin-top: 22.5pt; mso-outline-level: 2;"><b><span style="color: #111111; font-family: "Arial",sans-serif; font-size: 20.5pt; mso-fareast-font-family: "Times New Roman";">Gender</span></b><span style="color: #111111; font-family: "Arial",sans-serif; font-size: 20.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
10.  
11. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: 19.5pt;"><span style="color: #222222; font-family: "Verdana",sans-serif; font-size: 11.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">According to experts, many insurance companies feature premium
12. rates that differ for men and women for three reasons: women are more likely to
13. visit doctors, fill medications, and be diagnosed with chronic conditions.<o:p></o:p></span></p>
14.  
15. <p class="MsoNormal" style="background: white; line-height: 28.5pt; margin-bottom: 15.0pt; margin-left: 0in; margin-right: 0in; margin-top: 22.5pt; mso-outline-level: 2;"><b><span style="color: #111111; font-family: "Arial",sans-serif; font-size: 20.5pt; mso-fareast-font-family: "Times New Roman";">Age</span></b><span style="color: #111111; font-family: "Arial",sans-serif; font-size: 20.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
16.  
17. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: 19.5pt;"><span style="color: #222222; font-family: "Verdana",sans-serif; font-size: 11.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Because they have fewer known and undiagnosed illnesses than
18. older people, most young people have considerably lower  
19. <a href="https://magazinepot.com">magazinepot.com</a>  premiums. Young
20. policyholders are less likely to suffer from health issues and are less likely
21. to seek medical help. Considering this factor
22. <a href="https://malibutimes.net">malibutimes.net</a>  , senior citizen health insurance
23. may incur higher premiums.<o:p></o:p></span></p>
24.  
25. <p class="MsoNormal" style="background: white; line-height: 28.5pt; margin-bottom: 15.0pt; margin-left: 0in; margin-right: 0in; margin-top: 22.5pt; mso-outline-level: 2;"><b><span style="color: #111111; font-family: "Arial",sans-serif; font-size: 20.5pt; mso-fareast-font-family: "Times New Roman";">Career Of Choice</span></b><span style="color: #111111; font-family: "Arial",sans-serif; font-size: 20.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
26.  
27. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: 19.5pt;"><span style="color: #222222; font-family: "Verdana",sans-serif; font-size: 11.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Because senior citizens who have worked in settings with
28. dangerous substances, radiation, chemicals, and jobs with a high risk of
29. injury, are more susceptible to cardiovascular illnesses, they must pay higher
30. rates, according to insurance firms.<o:p></o:p></span></p>
31.  
32. <p class="MsoNormal" style="background: white; line-height: 28.5pt; margin-bottom: 15.0pt; margin-left: 0in; margin-right: 0in; margin-top: 22.5pt; mso-outline-level: 2;"><b><span style="color: #111111; font-family: "Arial",sans-serif; font-size: 20.5pt; mso-fareast-font-family: "Times New Roman";">Non-availability of Insurance</span></b><span style="color: #111111; font-family: "Arial",sans-serif; font-size: 20.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
33.  
34. <span style="color: #222222; font-family: "Verdana",sans-serif; font-size: 11.5pt; line-height: 107%; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">Insurance companies usually demand a higher premium for senior citizen
35. health insurance if they have never been covered before. Insurers think that
36. formerly&amp;nbsp;&lt;/span&gt;</content><link rel='replies' type='application/atom+xml' href='https://tariqulhasanrocky14.blogspot.com/feeds/8112074065697528624/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://tariqulhasanrocky14.blogspot.com/2022/10/many-insurance-companies-feature-premium_30.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3075545820810660676/posts/default/8112074065697528624'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3075545820810660676/posts/default/8112074065697528624'/><link rel='alternate' type='text/html' href='https://tariqulhasanrocky14.blogspot.com/2022/10/many-insurance-companies-feature-premium_30.html' title=' many insurance companies feature premium '/><author><name>Tariqul</name><uri>http://www.blogger.com/profile/12501652720337853288</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3075545820810660676.post-2002326698681684726</id><published>2022-10-30T22:12:00.005-07:00</published><updated>2022-10-30T22:12:24.843-07:00</updated><title type='text'>women are more likely to visit doctors,</title><content type='html'>&lt;p&gt;&amp;nbsp;&lt;b&gt;&lt;span style=&quot;color: #111111; font-family: &amp;quot;Arial&amp;quot;,sans-serif; font-size: 20.5pt; mso-fareast-font-family: &amp;quot;Times New Roman&amp;quot;;&quot;&gt;Harmful Substances&lt;/span&gt;&lt;/b&gt;&lt;/p&gt;
37.  
38. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: 19.5pt;"><span style="color: #222222; font-family: "Verdana",sans-serif; font-size: 11.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Most insurance companies raise premiums for their policies and,
39. in some cases, refuse to insure those who smoke, chew tobacco, or snuff because
40. they are more susceptible to life-threatening illnesses  
41. <a href="https://itnb.info">itnb.info</a>  such as cancer. As a
42. result, the premiums of senior citizen health insurance are affected.<o:p></o:p></span></p>
43.  
44. <p class="MsoNormal" style="background: white; line-height: 28.5pt; margin-bottom: 15.0pt; margin-left: 0in; margin-right: 0in; margin-top: 22.5pt; mso-outline-level: 2;"><b><span style="color: #111111; font-family: "Arial",sans-serif; font-size: 20.5pt; mso-fareast-font-family: "Times New Roman";">Gender</span></b><span style="color: #111111; font-family: "Arial",sans-serif; font-size: 20.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
45.  
46. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: 19.5pt;"><span style="color: #222222; font-family: "Verdana",sans-serif; font-size: 11.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">According to experts, many insurance companies feature premium
47. rates that differ for men and women for three reasons:
48. <a href="https://kchealthcare.net">kchealthcare.net</a>   women are more likely to
49. visit doctors, fill medications, and be diagnosed with chronic conditions.<o:p></o:p></span></p>
50.  
51. <p class="MsoNormal" style="background: white; line-height: 28.5pt; margin-bottom: 15.0pt; margin-left: 0in; margin-right: 0in; margin-top: 22.5pt; mso-outline-level: 2;"><b><span style="color: #111111; font-family: "Arial",sans-serif; font-size: 20.5pt; mso-fareast-font-family: "Times New Roman";">Age</span></b><span style="color: #111111; font-family: "Arial",sans-serif; font-size: 20.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
52.  
53. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: 19.5pt;"><span style="color: #222222; font-family: "Verdana",sans-serif; font-size: 11.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Because they have fewer known and undiagnosed illnesses than
54. older people, most young people have considerably lower
55. <a href="https://lextrend.net">lextrend.net</a>   premiums. Young
56. policyholders are less likely to suffer from health issues and are less likely
57. to seek medical help. Considering this factor, senior citizen health insurance
58. may incur higher premiums.<o:p></o:p></span></p>
59.  
60. <p class="MsoNormal" style="background: white; line-height: 28.5pt; margin-bottom: 15.0pt; margin-left: 0in; margin-right: 0in; margin-top: 22.5pt; mso-outline-level: 2;"><b><span style="color: #111111; font-family: "Arial",sans-serif; font-size: 20.5pt; mso-fareast-font-family: "Times New Roman";">Career Of Choice</span></b><span style="color: #111111; font-family: "Arial",sans-serif; font-size: 20.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
61.  
62. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: 19.5pt;"><span style="color: #222222; font-family: "Verdana",sans-serif; font-size: 11.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Because senior citizens who have worked in settings with
63. dangerous substances, radiation, chemicals, and jobs with a high risk of
64. injury, are more susceptible to cardiovascular illnesses, they must pay higher
65. rates, according to insurance firms.<o:p></o:p></span></p>
66.  
67. <p class="MsoNormal" style="background: white; line-height: 28.5pt; margin-bottom: 15.0pt; margin-left: 0in; margin-right: 0in; margin-top: 22.5pt; mso-outline-level: 2;"><b><span style="color: #111111; font-family: "Arial",sans-serif; font-size: 20.5pt; mso-fareast-font-family: "Times New Roman";">Non-availability of Insurance</span></b><span style="color: #111111; font-family: "Arial",sans-serif; font-size: 20.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
68.  
69. <span style="color: #222222; font-family: "Verdana",sans-serif; font-size: 11.5pt; line-height: 107%; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">Insurance companies usually demand a higher premium for senior citizen
70. health insurance if they have never been covered before. Insurers think that
71. formerly&amp;nbsp;&lt;/span&gt;</content><link rel='replies' type='application/atom+xml' href='https://tariqulhasanrocky14.blogspot.com/feeds/2002326698681684726/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://tariqulhasanrocky14.blogspot.com/2022/10/women-are-more-likely-to-visit-doctors_30.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3075545820810660676/posts/default/2002326698681684726'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3075545820810660676/posts/default/2002326698681684726'/><link rel='alternate' type='text/html' href='https://tariqulhasanrocky14.blogspot.com/2022/10/women-are-more-likely-to-visit-doctors_30.html' title='women are more likely to visit doctors,'/><author><name>Tariqul</name><uri>http://www.blogger.com/profile/12501652720337853288</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3075545820810660676.post-2337728405655120365</id><published>2022-10-30T22:12:00.001-07:00</published><updated>2022-10-30T22:12:03.845-07:00</updated><title type='text'>women are more likely to visit doctors,</title><content type='html'>&lt;p&gt;&amp;nbsp;&lt;b&gt;&lt;span style=&quot;color: #111111; font-family: &amp;quot;Arial&amp;quot;,sans-serif; font-size: 20.5pt; mso-fareast-font-family: &amp;quot;Times New Roman&amp;quot;;&quot;&gt;Harmful Substances&lt;/span&gt;&lt;/b&gt;&lt;/p&gt;
72.  
73. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: 19.5pt;"><span style="color: #222222; font-family: "Verdana",sans-serif; font-size: 11.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Most insurance companies raise premiums for their policies and,
74. in some cases, refuse to insure those who smoke, chew tobacco, or snuff because
75. they are more susceptible to life-threatening illnesses
76. <a href="https://healthyfamily.cc">healthyfamily.cc</a>    such as cancer. As a
77. result, the premiums of senior citizen health insurance are affected.<o:p></o:p></span></p>
78.  
79. <p class="MsoNormal" style="background: white; line-height: 28.5pt; margin-bottom: 15.0pt; margin-left: 0in; margin-right: 0in; margin-top: 22.5pt; mso-outline-level: 2;"><b><span style="color: #111111; font-family: "Arial",sans-serif; font-size: 20.5pt; mso-fareast-font-family: "Times New Roman";">Gender</span></b><span style="color: #111111; font-family: "Arial",sans-serif; font-size: 20.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
80.  
81. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: 19.5pt;"><span style="color: #222222; font-family: "Verdana",sans-serif; font-size: 11.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">According to experts, many insurance companies feature premium
82. rates that differ for men and women for three reasons
83. <a href="https://holidayexpress.net">holidayexpress.net</a>   : women are more likely to
84. visit doctors, fill medications, and be diagnosed with chronic conditions.<o:p></o:p></span></p>
85.  
86. <p class="MsoNormal" style="background: white; line-height: 28.5pt; margin-bottom: 15.0pt; margin-left: 0in; margin-right: 0in; margin-top: 22.5pt; mso-outline-level: 2;"><b><span style="color: #111111; font-family: "Arial",sans-serif; font-size: 20.5pt; mso-fareast-font-family: "Times New Roman";">Age</span></b><span style="color: #111111; font-family: "Arial",sans-serif; font-size: 20.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
87.  
88. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: 19.5pt;"><span style="color: #222222; font-family: "Verdana",sans-serif; font-size: 11.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Because they have fewer known and undiagnosed illnesses than
89. older people, most young people have considerably lower  
90. <a href="https://hypertechusa.com">hypertechusa.com</a>
91.  premiums. Young
92. policyholders are less likely to suffer from health issues and are less likely
93. to seek medical help. Considering this factor, senior citizen health insurance
94. may incur higher premiums.<o:p></o:p></span></p>
95.  
96. <p class="MsoNormal" style="background: white; line-height: 28.5pt; margin-bottom: 15.0pt; margin-left: 0in; margin-right: 0in; margin-top: 22.5pt; mso-outline-level: 2;"><b><span style="color: #111111; font-family: "Arial",sans-serif; font-size: 20.5pt; mso-fareast-font-family: "Times New Roman";">Career Of Choice</span></b><span style="color: #111111; font-family: "Arial",sans-serif; font-size: 20.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
97.  
98. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: 19.5pt;"><span style="color: #222222; font-family: "Verdana",sans-serif; font-size: 11.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Because senior citizens who have worked in settings with
99. dangerous substances, radiation, chemicals, and jobs with a high risk of
100. injury, are more susceptible to cardiovascular illnesses, they must pay higher
101. rates, according to insurance firms.<o:p></o:p></span></p>
102.  
103. <p class="MsoNormal" style="background: white; line-height: 28.5pt; margin-bottom: 15.0pt; margin-left: 0in; margin-right: 0in; margin-top: 22.5pt; mso-outline-level: 2;"><b><span style="color: #111111; font-family: "Arial",sans-serif; font-size: 20.5pt; mso-fareast-font-family: "Times New Roman";">Non-availability of Insurance</span></b><span style="color: #111111; font-family: "Arial",sans-serif; font-size: 20.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
104.  
105. <span style="color: #222222; font-family: "Verdana",sans-serif; font-size: 11.5pt; line-height: 107%; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">Insurance companies usually demand a higher premium for senior citizen
106. health insurance if they have never been covered before. Insurers think that
107. formerly&amp;nbsp;&lt;/span&gt;</content><link rel='replies' type='application/atom+xml' href='https://tariqulhasanrocky14.blogspot.com/feeds/2337728405655120365/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://tariqulhasanrocky14.blogspot.com/2022/10/women-are-more-likely-to-visit-doctors.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3075545820810660676/posts/default/2337728405655120365'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3075545820810660676/posts/default/2337728405655120365'/><link rel='alternate' type='text/html' href='https://tariqulhasanrocky14.blogspot.com/2022/10/women-are-more-likely-to-visit-doctors.html' title='women are more likely to visit doctors,'/><author><name>Tariqul</name><uri>http://www.blogger.com/profile/12501652720337853288</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3075545820810660676.post-2401339064746036109</id><published>2022-10-30T22:11:00.003-07:00</published><updated>2022-10-30T22:11:43.839-07:00</updated><title type='text'> many insurance companies feature premium </title><content type='html'>&lt;p&gt;&amp;nbsp;&lt;b&gt;&lt;span style=&quot;color: #111111; font-family: &amp;quot;Arial&amp;quot;,sans-serif; font-size: 20.5pt; mso-fareast-font-family: &amp;quot;Times New Roman&amp;quot;;&quot;&gt;Harmful Substances&lt;/span&gt;&lt;/b&gt;&lt;/p&gt;
108.  
109. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: 19.5pt;"><span style="color: #222222; font-family: "Verdana",sans-serif; font-size: 11.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Most insurance companies raise premiums for their policies and,
110. in some cases, refuse to insure those who smoke, chew tobacco,
111. <a href="https://healthanddentalcare.com">healthanddentalcare.com</a>    or snuff because
112. they are more susceptible to life-threatening illnesses such as cancer. As a
113. result, the premiums of senior citizen health insurance are affected.<o:p></o:p></span></p>
114.  
115. <p class="MsoNormal" style="background: white; line-height: 28.5pt; margin-bottom: 15.0pt; margin-left: 0in; margin-right: 0in; margin-top: 22.5pt; mso-outline-level: 2;"><b><span style="color: #111111; font-family: "Arial",sans-serif; font-size: 20.5pt; mso-fareast-font-family: "Times New Roman";">Gender</span></b><span style="color: #111111; font-family: "Arial",sans-serif; font-size: 20.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
116.  
117. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: 19.5pt;"><span style="color: #222222; font-family: "Verdana",sans-serif; font-size: 11.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">According to experts, many insurance companies feature premium
118. rates that differ for men and women for three reasons: women  
119. <a href="https://healthcareclinic.net">healthcareclinic.net</a>   are more likely to
120. visit doctors, fill medications, and be diagnosed with chronic conditions.<o:p></o:p></span></p>
121.  
122. <p class="MsoNormal" style="background: white; line-height: 28.5pt; margin-bottom: 15.0pt; margin-left: 0in; margin-right: 0in; margin-top: 22.5pt; mso-outline-level: 2;"><b><span style="color: #111111; font-family: "Arial",sans-serif; font-size: 20.5pt; mso-fareast-font-family: "Times New Roman";">Age</span></b><span style="color: #111111; font-family: "Arial",sans-serif; font-size: 20.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
123.  
124. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: 19.5pt;"><span style="color: #222222; font-family: "Verdana",sans-serif; font-size: 11.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Because they have fewer known and undiagnosed illnesses than
125. older people, most young people have considerably lower
126. <a href="https://healthmaker.xyz">healthmaker.xyz</a>    premiums. Young
127. policyholders are less likely to suffer from health issues and are less likely
128. to seek medical help. Considering this factor, senior citizen health insurance
129. may incur higher premiums.<o:p></o:p></span></p>
130.  
131. <p class="MsoNormal" style="background: white; line-height: 28.5pt; margin-bottom: 15.0pt; margin-left: 0in; margin-right: 0in; margin-top: 22.5pt; mso-outline-level: 2;"><b><span style="color: #111111; font-family: "Arial",sans-serif; font-size: 20.5pt; mso-fareast-font-family: "Times New Roman";">Career Of Choice</span></b><span style="color: #111111; font-family: "Arial",sans-serif; font-size: 20.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
132.  
133. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: 19.5pt;"><span style="color: #222222; font-family: "Verdana",sans-serif; font-size: 11.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Because senior citizens who have worked in settings with
134. dangerous substances, radiation, chemicals, and jobs with a high risk of
135. injury, are more susceptible to cardiovascular illnesses, they must pay higher
136. rates, according to insurance firms.<o:p></o:p></span></p>
137.  
138. <p class="MsoNormal" style="background: white; line-height: 28.5pt; margin-bottom: 15.0pt; margin-left: 0in; margin-right: 0in; margin-top: 22.5pt; mso-outline-level: 2;"><b><span style="color: #111111; font-family: "Arial",sans-serif; font-size: 20.5pt; mso-fareast-font-family: "Times New Roman";">Non-availability of Insurance</span></b><span style="color: #111111; font-family: "Arial",sans-serif; font-size: 20.5pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
139.  
140. <span style="color: #222222; font-family: "Verdana",sans-serif; font-size: 11.5pt; line-height: 107%; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">Insurance companies usually demand a higher premium for senior citizen
141. health insurance if they have never been covered before. Insurers think that
142. formerly&amp;nbsp;&lt;/span&gt;</content><link rel='replies' type='application/atom+xml' href='https://tariqulhasanrocky14.blogspot.com/feeds/2401339064746036109/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://tariqulhasanrocky14.blogspot.com/2022/10/many-insurance-companies-feature-premium.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3075545820810660676/posts/default/2401339064746036109'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3075545820810660676/posts/default/2401339064746036109'/><link rel='alternate' type='text/html' href='https://tariqulhasanrocky14.blogspot.com/2022/10/many-insurance-companies-feature-premium.html' title=' many insurance companies feature premium '/><author><name>Tariqul</name><uri>http://www.blogger.com/profile/12501652720337853288</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3075545820810660676.post-4505098086362500348</id><published>2022-10-01T23:01:00.004-07:00</published><updated>2022-10-01T23:01:24.267-07:00</updated><title type='text'> against collaterals which can be inventory</title><content type='html'>&lt;p&gt;&amp;nbsp;&lt;/p&gt;&lt;p class=&quot;MsoNormal&quot; style=&quot;background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify; vertical-align: baseline;&quot;&gt;&lt;span style=&quot;border: none windowtext 1.0pt; color: #444444; font-family: &amp;quot;inherit&amp;quot;,&amp;quot;serif&amp;quot;; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: &amp;quot;Times New Roman&amp;quot;; padding: 0in;&quot;&gt;Before we begin, let us take a
143. look at the two types of business loans that you can take from marketplace
144. lenders and banks.</span><span style="color: #444444; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
145.  
146. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
147. </span></span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Secured Loans: </span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">These loans are given against
148. collaterals which can be inventory, land,  
149. <a href="https://emperorbusiness.com">emperorbusiness.com</a>    building, shares and securities. This
150. is because, if the organization is unable to pay back the loan, a lender can
151. recover the loan amount (or the approximate loan amount) through liquidation of
152. collaterals.</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
153.  
154. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
155. </span></span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Unsecured Loans: </span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">These are loans without
156. collaterals. Here, the risk is entirely faced by  
157. <a href="https://expressinfotech.com">expressinfotech.com</a>  the lender. The business loan
158. interest rate is much higher than that of a secured loan due to the high risk.
159. These loans are mostly disbursed to small businesses that do not want to risk
160. their assets and are willing to pay a higher interest.</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
161.  
162. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-outline-level: 2; vertical-align: baseline;"><b><span style="border: none windowtext 1.0pt; color: #222222; font-family: "inherit","serif"; font-size: 18.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Step 2: How should you assess
163. the amount of loan?</span></b><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 18.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></b></p>
164.  
165. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify; vertical-align: baseline;"><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Check your capital allocation
166. between equity and debt. If you apply for an amount greater than you actually
167. need, it might lead to poor allocation and higher EMIs. On the flip side, if
168. you take an amount lower than your requirement,  
169. <a href="https://financetechnews.net">financetechnews.net</a>    it might be detrimental to your
170. growth. One should also assess the EMI on the loans through Business Loan EMI
171. calculators, which are available online.</span><span style="color: #444444; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
172.  
173. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-outline-level: 2; vertical-align: baseline;"><b><span style="border: none windowtext 1.0pt; color: #222222; font-family: "inherit","serif"; font-size: 18.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Step 3: Research Lenders</span></b><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 18.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></b></p>
174.  
175. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l1 level1 lfo2; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
176. </span></span></span><!--[endif]--><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Direct online lenders</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
177.  
178. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l1 level1 lfo2; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
179. </span></span></span><!--[endif]--><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Private or public sector banks</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
180.  
181. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l1 level1 lfo2; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
182. </span></span></span><!--[endif]--><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Co-operative banks</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
183.  
184. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l1 level1 lfo2; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
185. </span></span></span><!--[endif]--><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Peer lending</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
186.  
187. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify; vertical-align: baseline;"><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">With the above-mentioned
188. lenders, the business loan interest rates vary. So, after getting quotes from
189. such lenders, always check the monthly EMIs through the </span><a href="https://www.tatacapital.com/business-loan/business-loan-emi-calculator.html" target="_blank"><span style="border: none windowtext 1.0pt; color: #754e00; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Business Loan EMI calculator</span></a><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">.</span><span style="color: #444444; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
190.  
191. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-outline-level: 2; vertical-align: baseline;"><b><span style="border: none windowtext 1.0pt; color: #222222; font-family: "inherit","serif"; font-size: 18.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Step 4: Lender Assessment</span></b><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 18.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></b></p>
192.  
193. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify; vertical-align: baseline;"><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Even though lenders are looking
194. at opportunities to disburse loans, ultimately they take a call based on the
195. factors mentioned below, whether the risk to reward ratio is feasible in making
196. such a transaction or not. They might perform an end-to-end financial and legal
197. due diligence before approving any loan. Here are a few points they consider:</span><span style="color: #444444; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
198.  
199. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l2 level1 lfo3; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
200. </span></span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Credit risk:</span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;"> Lenders will review your past credit history, loans taken
201. earlier, check the timely payments under credits.</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
202.  
203. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l2 level1 lfo3; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
204. </span></span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Outstanding loans and cash flow:</span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;"> Lenders will review if
205. the business’s debt service coverage ratio will be more than 1, i.e. if the
206. P&L projections will cover the debt service.</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
207.  
208. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l2 level1 lfo3; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
209. </span></span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Collateral:</span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;"> Assets in the business can be attached as collateral in case
210. of default.</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
211.  
212. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l2 level1 lfo3; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
213. </span></span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Investors in the company:</span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;"> If reputed angels and
214. venture capital companies have invested in the company, it improves the
215. credibility.</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
216.  
217. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l2 level1 lfo3; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
218. </span></span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Financial statements</span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">: End-to-end financial and cash
219. flow analysis</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
220.  
221. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-outline-level: 2; vertical-align: baseline;"><b><span style="border: none windowtext 1.0pt; color: #222222; font-family: "inherit","serif"; font-size: 18.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Step 5: Approval and
222. Disbursement</span></b><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 18.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></b></p>
223.  
224. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify; vertical-align: baseline;"><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Finally, the loan will be
225. approved or rejected, but one needs to make sure that the
226. proposed business loan is on agreed terms and conditions. The
227. borrower should thoroughly go through the contract before signing it to check
228. the business loan interest rate and repayment schedule, prepayment penalties
229. and other miscellaneous items.&lt;/span&gt;&lt;span style=&quot;color: #444444; font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 12.0pt; mso-fareast-font-family: &amp;quot;Times New Roman&amp;quot;;&quot;&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;</content><link rel='replies' type='application/atom+xml' href='https://tariqulhasanrocky14.blogspot.com/feeds/4505098086362500348/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://tariqulhasanrocky14.blogspot.com/2022/10/against-collaterals-which-can-be_1.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3075545820810660676/posts/default/4505098086362500348'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3075545820810660676/posts/default/4505098086362500348'/><link rel='alternate' type='text/html' href='https://tariqulhasanrocky14.blogspot.com/2022/10/against-collaterals-which-can-be_1.html' title=' against collaterals which can be inventory'/><author><name>Tariqul</name><uri>http://www.blogger.com/profile/12501652720337853288</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3075545820810660676.post-2633239596446460311</id><published>2022-10-01T23:01:00.000-07:00</published><updated>2022-10-01T23:01:01.540-07:00</updated><title type='text'> the two types of business loans that you</title><content type='html'>&lt;p&gt;&amp;nbsp;&lt;/p&gt;&lt;p class=&quot;MsoNormal&quot; style=&quot;background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify; vertical-align: baseline;&quot;&gt;&lt;span style=&quot;border: none windowtext 1.0pt; color: #444444; font-family: &amp;quot;inherit&amp;quot;,&amp;quot;serif&amp;quot;; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: &amp;quot;Times New Roman&amp;quot;; padding: 0in;&quot;&gt;Before we begin, let us take a
230. look at the two types of business loans that  
231. <a href="https://cooltechnology.net">www.cooltechnology.net</a>    you can take from marketplace
232. lenders and banks.</span><span style="color: #444444; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
233.  
234. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
235. </span></span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Secured Loans: </span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">These loans are given against
236. collaterals which can be inventory, land,  
237. <a href="https://e-magazine.xyz">www.e-magazine.xyz</a>   building, shares and securities. This
238. is because, if the organization is unable to pay back the loan, a lender can
239. recover the loan amount (or the approximate loan amount) through liquidation of
240. collaterals.</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
241.  
242. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
243. </span></span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Unsecured Loans: </span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">These are loans without
244. collaterals. Here, the risk is entirely faced by the lender. The business loan
245. interest rate is much higher than that of a secured loan due to the high risk.
246. These loans are mostly disbursed to small businesses that do not want to risk
247. their assets and are willing to pay a higher interest.</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
248.  
249. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-outline-level: 2; vertical-align: baseline;"><b><span style="border: none windowtext 1.0pt; color: #222222; font-family: "inherit","serif"; font-size: 18.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Step 2: How should you assess
250. the amount of loan?</span></b><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 18.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></b></p>
251.  
252. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify; vertical-align: baseline;"><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Check your capital allocation
253. between equity and debt. If you apply for an amount greater than you actually
254. need, it might lead to poor allocation and higher EMIs. On the flip side, if
255. you take an amount lower than your requirement, it might be detrimental to your
256. growth. One should also assess the EMI on the loans through Business Loan EMI
257. calculators, which are available online.</span><span style="color: #444444; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
258.  
259. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-outline-level: 2; vertical-align: baseline;"><b><span style="border: none windowtext 1.0pt; color: #222222; font-family: "inherit","serif"; font-size: 18.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Step 3: Research Lenders</span></b><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 18.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></b></p>
260.  
261. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l1 level1 lfo2; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
262. </span></span></span><!--[endif]--><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Direct online lenders</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
263.  
264. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l1 level1 lfo2; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
265. </span></span></span><!--[endif]--><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Private or public sector banks</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
266.  
267. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l1 level1 lfo2; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
268. </span></span></span><!--[endif]--><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Co-operative banks</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
269.  
270. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l1 level1 lfo2; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
271. </span></span></span><!--[endif]--><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Peer lending</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
272.  
273. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify; vertical-align: baseline;"><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">With the above-mentioned
274. lenders, the business loan interest rates vary. So, after getting quotes from
275. such lenders, always check the monthly EMIs through the </span><a href="https://www.tatacapital.com/business-loan/business-loan-emi-calculator.html" target="_blank"><span style="border: none windowtext 1.0pt; color: #754e00; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Business Loan EMI calculator</span></a><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">.</span><span style="color: #444444; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
276.  
277. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-outline-level: 2; vertical-align: baseline;"><b><span style="border: none windowtext 1.0pt; color: #222222; font-family: "inherit","serif"; font-size: 18.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Step 4: Lender Assessment</span></b><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 18.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></b></p>
278.  
279. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify; vertical-align: baseline;"><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Even though lenders are looking
280. at opportunities to disburse loans, ultimately they take a call based on the
281. factors mentioned below, whether the risk to reward ratio is feasible in making
282. such a transaction or not. They might perform an end-to-end financial and legal
283. due diligence before approving any loan. Here are a few points they consider:</span><span style="color: #444444; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
284.  
285. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l2 level1 lfo3; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
286. </span></span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Credit risk:</span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;"> Lenders will review your past credit history, loans taken
287. earlier, check the timely payments under credits.</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
288.  
289. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l2 level1 lfo3; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
290. </span></span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Outstanding loans and cash flow:</span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;"> Lenders will review if
291. the business’s debt service coverage ratio will be more than 1, i.e. if the
292. P&L projections will cover the debt service.</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
293.  
294. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l2 level1 lfo3; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
295. </span></span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Collateral:</span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;"> Assets in the business can be attached as collateral in case
296. of default.</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
297.  
298. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l2 level1 lfo3; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
299. </span></span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Investors in the company:</span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;"> If reputed angels and
300. venture capital companies have invested in the company, it improves the
301. credibility.</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
302.  
303. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l2 level1 lfo3; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
304. </span></span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Financial statements</span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">: End-to-end financial and cash
305. flow analysis</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
306.  
307. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-outline-level: 2; vertical-align: baseline;"><b><span style="border: none windowtext 1.0pt; color: #222222; font-family: "inherit","serif"; font-size: 18.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Step 5: Approval and
308. Disbursement</span></b><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 18.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></b></p>
309.  
310. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify; vertical-align: baseline;"><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Finally, the loan will be
311. approved or rejected, but one needs to make sure that the
312. proposed business loan is on agreed terms and conditions. The
313. borrower should thoroughly go through the contract before signing it to check
314. the business loan interest rate and repayment schedule, prepayment penalties
315. and other miscellaneous items.&lt;/span&gt;&lt;span style=&quot;color: #444444; font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 12.0pt; mso-fareast-font-family: &amp;quot;Times New Roman&amp;quot;;&quot;&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;</content><link rel='replies' type='application/atom+xml' href='https://tariqulhasanrocky14.blogspot.com/feeds/2633239596446460311/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://tariqulhasanrocky14.blogspot.com/2022/10/the-two-types-of-business-loans-that-you.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3075545820810660676/posts/default/2633239596446460311'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3075545820810660676/posts/default/2633239596446460311'/><link rel='alternate' type='text/html' href='https://tariqulhasanrocky14.blogspot.com/2022/10/the-two-types-of-business-loans-that-you.html' title=' the two types of business loans that you'/><author><name>Tariqul</name><uri>http://www.blogger.com/profile/12501652720337853288</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3075545820810660676.post-2624066466336389471</id><published>2022-10-01T22:59:00.004-07:00</published><updated>2022-10-01T22:59:39.923-07:00</updated><title type='text'>whether the risk to reward ratio is feasible </title><content type='html'>&lt;p&gt;&amp;nbsp;&lt;span style=&quot;background-color: white; color: #444444; font-family: &amp;quot;inherit&amp;quot;, &amp;quot;serif&amp;quot;; font-size: 12pt; text-align: justify;&quot;&gt;Before we begin, let us take a
316. look at the two types of business loans that you can take from marketplace
317. lenders and banks.</span></p>
318.  
319. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">        
320. </span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Secured Loans: </span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">These loans are given against
321. collaterals which can be inventory, land, building,  
322. <a href="https://businessmagnet.cc">www.businessmagnet.cc</a>   shares and securities. This
323. is because, if the organization is unable to pay back the loan, a lender can
324. recover the loan amount (or the approximate loan amount) through liquidation of
325. collaterals.</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
326.  
327. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">        
328. </span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Unsecured Loans: </span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">These are loans without
329. collaterals. Here, the risk is entirely faced  
330. <a href="https://businessmarketingmagazine.com">businessmarketingmagazine.com</a>    by the lender. The business loan
331. interest rate is much higher than that of a secured loan due to the high risk.
332. These loans are mostly disbursed to small businesses that do not want to risk
333. their assets and are willing to pay a higher interest.</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
334.  
335. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-outline-level: 2; vertical-align: baseline;"><b><span style="border: none windowtext 1.0pt; color: #222222; font-family: "inherit","serif"; font-size: 18.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Step 2: How should you assess
336. the amount of loan?</span></b><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 18.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></b></p>
337.  
338. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify; vertical-align: baseline;"><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Check your capital allocation
339. between equity and debt. If you apply for an amount greater than you actually
340. need, it might lead to poor allocation and higher EMIs. On the flip side, if
341. you take an amount lower than your requirement, it might be detrimental to your
342. growth. One should also assess the EMI on the loans through Business Loan EMI
343. calculators, which are available online.</span><span style="color: #444444; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
344.  
345. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-outline-level: 2; vertical-align: baseline;"><b><span style="border: none windowtext 1.0pt; color: #222222; font-family: "inherit","serif"; font-size: 18.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Step 3: Research Lenders</span></b><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 18.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></b></p>
346.  
347. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l1 level1 lfo2; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">        
348. </span></span><!--[endif]--><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Direct online lenders</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
349.  
350. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l1 level1 lfo2; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">        
351. </span></span><!--[endif]--><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Private or public sector banks</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
352.  
353. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l1 level1 lfo2; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">        
354. </span></span><!--[endif]--><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Co-operative banks</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
355.  
356. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l1 level1 lfo2; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">        
357. </span></span><!--[endif]--><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Peer lending</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
358.  
359. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify; vertical-align: baseline;"><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">With the above-mentioned
360. lenders, the business loan interest rates vary. So, after getting quotes from
361. such lenders, always check the monthly EMIs through the </span><a href="https://www.tatacapital.com/business-loan/business-loan-emi-calculator.html" target="_blank"><span style="border: none windowtext 1.0pt; color: #754e00; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Business Loan EMI calculator</span></a><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">.</span><span style="color: #444444; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
362.  
363. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-outline-level: 2; vertical-align: baseline;"><b><span style="border: none windowtext 1.0pt; color: #222222; font-family: "inherit","serif"; font-size: 18.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Step 4: Lender Assessment</span></b><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 18.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></b></p>
364.  
365. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify; vertical-align: baseline;"><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Even though lenders are looking
366. at opportunities to disburse loans, ultimately they take a call based on the
367. factors mentioned below, whether the risk to reward ratio is feasible in making
368. such a transaction or not. They might perform an end-to-end financial and legal
369. due diligence before approving any loan. Here are a few points they consider:</span><span style="color: #444444; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
370.  
371. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l2 level1 lfo3; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">        
372. </span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Credit risk:</span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;"> Lenders will review your past credit history, loans taken
373. earlier, check the timely payments under credits.</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
374.  
375. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l2 level1 lfo3; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">        
376. </span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Outstanding loans and cash flow:</span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;"> Lenders will review if
377. the business’s debt service coverage ratio will be more than 1, i.e. if the
378. P&L projections will cover the debt service.</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
379.  
380. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l2 level1 lfo3; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">        
381. </span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Collateral:</span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;"> Assets in the business can be attached as collateral in case
382. of default.</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
383.  
384. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l2 level1 lfo3; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">        
385. </span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Investors in the company:</span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;"> If reputed angels and
386. venture capital companies have invested in the company, it improves the
387. credibility.</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
388.  
389. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l2 level1 lfo3; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;">·<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">        
390. </span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Financial statements</span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">: End-to-end financial and cash
391. flow analysis</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
392.  
393. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-outline-level: 2; vertical-align: baseline;"><b><span style="border: none windowtext 1.0pt; color: #222222; font-family: "inherit","serif"; font-size: 18.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Step 5: Approval and
394. Disbursement</span></b><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 18.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></b></p>
395.  
396. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify; vertical-align: baseline;"><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Finally, the loan will be
397. approved or rejected, but one needs to make sure that the
398. proposed business loan is on agreed terms and conditions. The
399. borrower should thoroughly go through the contract before signing it to check
400. the business loan interest rate and repayment schedule, prepayment penalties
401. and other miscellaneous items.</span><span style="color: #444444; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p><p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify; vertical-align: baseline;"><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Before we begin, let us take a
402. look at the two types of business loans that you can take from marketplace
403. lenders and banks.</span><span style="color: #444444; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
404.  
405. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
406. </span></span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Secured Loans: </span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">These loans are given against
407. collaterals which can be inventory, land, building, shares and securities. This
408. is because, if the organization is unable to pay back the loan, a lender can
409. recover the loan amount (or the approximate loan amount) through liquidation of
410. collaterals.</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
411.  
412. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
413. </span></span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Unsecured Loans: </span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">These are loans without
414. collaterals. Here, the risk is entirely faced by the lender. The business loan
415. interest rate is much higher than that of a secured loan due to the high risk.
416. These loans are mostly disbursed to small businesses that do not want to risk
417. their assets and are willing to pay a higher interest.</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
418.  
419. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-outline-level: 2; vertical-align: baseline;"><b><span style="border: none windowtext 1.0pt; color: #222222; font-family: "inherit","serif"; font-size: 18.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Step 2: How should you assess
420. the amount of loan?</span></b><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 18.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></b></p>
421.  
422. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify; vertical-align: baseline;"><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Check your capital allocation
423. between equity and debt. If you apply for an amount greater than you actually
424. need, it might lead to poor allocation and higher EMIs. On the flip side, if
425. you take an amount lower than your requirement, it might be detrimental to your
426. growth. One should also assess the EMI on the loans through Business Loan EMI
427. calculators, which are available online.</span><span style="color: #444444; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
428.  
429. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-outline-level: 2; vertical-align: baseline;"><b><span style="border: none windowtext 1.0pt; color: #222222; font-family: "inherit","serif"; font-size: 18.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Step 3: Research Lenders</span></b><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 18.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></b></p>
430.  
431. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l1 level1 lfo2; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
432. </span></span></span><!--[endif]--><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Direct online lenders</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
433.  
434. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l1 level1 lfo2; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
435. </span></span></span><!--[endif]--><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Private or public sector banks</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
436.  
437. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l1 level1 lfo2; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
438. </span></span></span><!--[endif]--><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Co-operative banks</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
439.  
440. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l1 level1 lfo2; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
441. </span></span></span><!--[endif]--><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Peer lending</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
442.  
443. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify; vertical-align: baseline;"><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">With the above-mentioned
444. lenders, the business loan interest rates vary. So, after getting quotes from
445. such lenders, always check the monthly EMIs through the </span><a href="https://www.tatacapital.com/business-loan/business-loan-emi-calculator.html" target="_blank"><span style="border: none windowtext 1.0pt; color: #754e00; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Business Loan EMI calculator</span></a><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">.</span><span style="color: #444444; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
446.  
447. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-outline-level: 2; vertical-align: baseline;"><b><span style="border: none windowtext 1.0pt; color: #222222; font-family: "inherit","serif"; font-size: 18.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Step 4: Lender Assessment</span></b><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 18.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></b></p>
448.  
449. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify; vertical-align: baseline;"><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Even though lenders are looking
450. at opportunities to disburse loans, ultimately they take a call based on the
451. factors mentioned below, whether the risk to reward ratio is feasible in making
452. such a transaction or not. They might perform an end-to-end financial and legal
453. due diligence before approving any loan. Here are a few points they consider:</span><span style="color: #444444; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
454.  
455. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l2 level1 lfo3; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
456. </span></span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Credit risk:</span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;"> Lenders will review your past credit history, loans taken
457. earlier, check the timely payments under credits.</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
458.  
459. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l2 level1 lfo3; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
460. </span></span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Outstanding loans and cash flow:</span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;"> Lenders will review if
461. the business’s debt service coverage ratio will be more than 1, i.e. if the
462. P&L projections will cover the debt service.</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
463.  
464. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l2 level1 lfo3; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
465. </span></span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Collateral:</span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;"> Assets in the business can be attached as collateral in case
466. of default.</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
467.  
468. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l2 level1 lfo3; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
469. </span></span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Investors in the company:</span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;"> If reputed angels and
470. venture capital companies have invested in the company, it improves the
471. credibility.</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
472.  
473. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l2 level1 lfo3; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
474. </span></span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Financial statements</span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">: End-to-end financial and cash
475. flow analysis</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
476.  
477. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-outline-level: 2; vertical-align: baseline;"><b><span style="border: none windowtext 1.0pt; color: #222222; font-family: "inherit","serif"; font-size: 18.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Step 5: Approval and
478. Disbursement</span></b><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 18.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></b></p>
479.  
480. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify; vertical-align: baseline;"><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Finally, the loan will be
481. approved or rejected, but one needs to make sure that the
482. proposed business loan is on agreed terms and conditions. The
483. borrower should thoroughly go through the contract before signing it to check
484. the business loan interest rate and repayment schedule, prepayment penalties
485. and other miscellaneous items.&lt;/span&gt;&lt;span style=&quot;color: #444444; font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 12.0pt; mso-fareast-font-family: &amp;quot;Times New Roman&amp;quot;;&quot;&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;</content><link rel='replies' type='application/atom+xml' href='https://tariqulhasanrocky14.blogspot.com/feeds/2624066466336389471/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://tariqulhasanrocky14.blogspot.com/2022/10/whether-risk-to-reward-ratio-is-feasible.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3075545820810660676/posts/default/2624066466336389471'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3075545820810660676/posts/default/2624066466336389471'/><link rel='alternate' type='text/html' href='https://tariqulhasanrocky14.blogspot.com/2022/10/whether-risk-to-reward-ratio-is-feasible.html' title='whether the risk to reward ratio is feasible '/><author><name>Tariqul</name><uri>http://www.blogger.com/profile/12501652720337853288</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3075545820810660676.post-1947934116369930108</id><published>2022-10-01T22:59:00.001-07:00</published><updated>2022-10-01T22:59:20.702-07:00</updated><title type='text'>Check your capital allocation between equity</title><content type='html'>&lt;p&gt;&amp;nbsp;&lt;/p&gt;&lt;p class=&quot;MsoNormal&quot; style=&quot;background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify; vertical-align: baseline;&quot;&gt;&lt;span style=&quot;border: none windowtext 1.0pt; color: #444444; font-family: &amp;quot;inherit&amp;quot;,&amp;quot;serif&amp;quot;; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: &amp;quot;Times New Roman&amp;quot;; padding: 0in;&quot;&gt;Before we begin, let us take a
486. look at the two types of business loans that
487. <a href="https://bestfitnes.net">bestfitnes.net</a>   you can take from marketplace
488. lenders and banks.</span><span style="color: #444444; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
489.  
490. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
491. </span></span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Secured Loans: </span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">These loans are given against
492. collaterals which can be inventory, land, building  
493. <a href="https://businessfuture.net">businessfuture.net</a>   , shares and securities. This
494. is because, if the organization is unable to pay back the loan, a lender can
495. recover the loan amount (or the approximate loan amount) through liquidation of
496. collaterals.</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
497.  
498. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
499. </span></span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Unsecured Loans: </span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">These are loans without
500. collaterals. Here, the risk is entirely faced by the lender. The business loan
501. interest rate is much higher than tha  
502. <a href="https://businessidea.info">businessidea.info</a>   t of a secured loan due to the high risk.
503. These loans are mostly disbursed to small businesses that do not want to risk
504. their assets and are willing to pay a higher interest.</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
505.  
506. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-outline-level: 2; vertical-align: baseline;"><b><span style="border: none windowtext 1.0pt; color: #222222; font-family: "inherit","serif"; font-size: 18.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Step 2: How should you assess
507. the amount of loan?</span></b><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 18.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></b></p>
508.  
509. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify; vertical-align: baseline;"><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Check your capital allocation
510. between equity and debt. If you apply for an amount greater than you actually
511. need, it might lead to poor allocation and higher EMIs. On the flip side, if
512. you take an amount lower than your requirement, it might be detrimental to your
513. growth. One should also assess the EMI on the loans through Business Loan EMI
514. calculators, which are available online.</span><span style="color: #444444; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
515.  
516. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-outline-level: 2; vertical-align: baseline;"><b><span style="border: none windowtext 1.0pt; color: #222222; font-family: "inherit","serif"; font-size: 18.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Step 3: Research Lenders</span></b><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 18.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></b></p>
517.  
518. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l1 level1 lfo2; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
519. </span></span></span><!--[endif]--><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Direct online lenders</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
520.  
521. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l1 level1 lfo2; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
522. </span></span></span><!--[endif]--><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Private or public sector banks</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
523.  
524. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l1 level1 lfo2; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
525. </span></span></span><!--[endif]--><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Co-operative banks</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
526.  
527. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l1 level1 lfo2; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
528. </span></span></span><!--[endif]--><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Peer lending</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
529.  
530. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify; vertical-align: baseline;"><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">With the above-mentioned
531. lenders, the business loan interest rates vary. So, after getting quotes from
532. such lenders, always check the monthly EMIs through the </span><a href="https://www.tatacapital.com/business-loan/business-loan-emi-calculator.html" target="_blank"><span style="border: none windowtext 1.0pt; color: #754e00; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Business Loan EMI calculator</span></a><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">.</span><span style="color: #444444; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
533.  
534. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-outline-level: 2; vertical-align: baseline;"><b><span style="border: none windowtext 1.0pt; color: #222222; font-family: "inherit","serif"; font-size: 18.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Step 4: Lender Assessment</span></b><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 18.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></b></p>
535.  
536. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify; vertical-align: baseline;"><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Even though lenders are looking
537. at opportunities to disburse loans, ultimately they take a call based on the
538. factors mentioned below, whether the risk to reward ratio is feasible in making
539. such a transaction or not. They might perform an end-to-end financial and legal
540. due diligence before approving any loan. Here are a few points they consider:</span><span style="color: #444444; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
541.  
542. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l2 level1 lfo3; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
543. </span></span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Credit risk:</span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;"> Lenders will review your past credit history, loans taken
544. earlier, check the timely payments under credits.</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
545.  
546. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l2 level1 lfo3; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
547. </span></span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Outstanding loans and cash flow:</span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;"> Lenders will review if
548. the business’s debt service coverage ratio will be more than 1, i.e. if the
549. P&L projections will cover the debt service.</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
550.  
551. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l2 level1 lfo3; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
552. </span></span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Collateral:</span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;"> Assets in the business can be attached as collateral in case
553. of default.</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
554.  
555. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l2 level1 lfo3; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
556. </span></span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Investors in the company:</span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;"> If reputed angels and
557. venture capital companies have invested in the company, it improves the
558. credibility.</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
559.  
560. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l2 level1 lfo3; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
561. </span></span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Financial statements</span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">: End-to-end financial and cash
562. flow analysis</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
563.  
564. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-outline-level: 2; vertical-align: baseline;"><b><span style="border: none windowtext 1.0pt; color: #222222; font-family: "inherit","serif"; font-size: 18.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Step 5: Approval and
565. Disbursement</span></b><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 18.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></b></p>
566.  
567. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify; vertical-align: baseline;"><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Finally, the loan will be
568. approved or rejected, but one needs to make sure that the
569. proposed business loan is on agreed terms and conditions. The
570. borrower should thoroughly go through the contract before signing it to check
571. the business loan interest rate and repayment schedule, prepayment penalties
572. and other miscellaneous items.&lt;/span&gt;&lt;span style=&quot;color: #444444; font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 12.0pt; mso-fareast-font-family: &amp;quot;Times New Roman&amp;quot;;&quot;&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;</content><link rel='replies' type='application/atom+xml' href='https://tariqulhasanrocky14.blogspot.com/feeds/1947934116369930108/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://tariqulhasanrocky14.blogspot.com/2022/10/check-your-capital-allocation-between.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3075545820810660676/posts/default/1947934116369930108'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3075545820810660676/posts/default/1947934116369930108'/><link rel='alternate' type='text/html' href='https://tariqulhasanrocky14.blogspot.com/2022/10/check-your-capital-allocation-between.html' title='Check your capital allocation between equity'/><author><name>Tariqul</name><uri>http://www.blogger.com/profile/12501652720337853288</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3075545820810660676.post-477643114496281430</id><published>2022-10-01T22:58:00.003-07:00</published><updated>2022-10-01T22:58:38.790-07:00</updated><title type='text'> against collaterals which can be inventory</title><content type='html'>&lt;p&gt;&amp;nbsp;&lt;/p&gt;&lt;p class=&quot;MsoNormal&quot; style=&quot;background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify; vertical-align: baseline;&quot;&gt;&lt;span style=&quot;border: none windowtext 1.0pt; color: #444444; font-family: &amp;quot;inherit&amp;quot;,&amp;quot;serif&amp;quot;; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: &amp;quot;Times New Roman&amp;quot;; padding: 0in;&quot;&gt;Before we begin, let us take a
573. look at the two types of business loans that   <a href="https://asiadome.com">asiadome.com</a>   you can take from marketplace
574. lenders and banks.</span><span style="color: #444444; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
575.  
576. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
577. </span></span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Secured Loans: </span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">These loans are given against
578. collaterals which can be inventory, land,  
579. <a href="https://asiatrendy.com">asiatrendy.com</a>  building, shares and securities. This
580. is because, if the organization is unable to  
581. <a href="https://bestbuynews.net">bestbuynews.net</a>   pay back the loan, a lender can
582. recover the loan amount (or the approximate loan amount) through liquidation of
583. collaterals.</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
584.  
585. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
586. </span></span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Unsecured Loans: </span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">These are loans without
587. collaterals. Here, the risk is entirely faced by the lender. The business loan
588. interest rate is much higher than that of a secured loan due to the high risk.
589. These loans are mostly disbursed to small businesses that do not want to risk
590. their assets and are willing to pay a higher interest.</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
591.  
592. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-outline-level: 2; vertical-align: baseline;"><b><span style="border: none windowtext 1.0pt; color: #222222; font-family: "inherit","serif"; font-size: 18.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Step 2: How should you assess
593. the amount of loan?</span></b><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 18.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></b></p>
594.  
595. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify; vertical-align: baseline;"><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Check your capital allocation
596. between equity and debt. If you apply for an amount greater than you actually
597. need, it might lead to poor allocation and higher EMIs. On the flip side, if
598. you take an amount lower than your requirement, it might be detrimental to your
599. growth. One should also assess the EMI on the loans through Business Loan EMI
600. calculators, which are available online.</span><span style="color: #444444; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
601.  
602. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-outline-level: 2; vertical-align: baseline;"><b><span style="border: none windowtext 1.0pt; color: #222222; font-family: "inherit","serif"; font-size: 18.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Step 3: Research Lenders</span></b><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 18.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></b></p>
603.  
604. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l1 level1 lfo2; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
605. </span></span></span><!--[endif]--><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Direct online lenders</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
606.  
607. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l1 level1 lfo2; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
608. </span></span></span><!--[endif]--><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Private or public sector banks</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
609.  
610. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l1 level1 lfo2; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
611. </span></span></span><!--[endif]--><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Co-operative banks</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
612.  
613. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l1 level1 lfo2; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
614. </span></span></span><!--[endif]--><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Peer lending</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
615.  
616. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify; vertical-align: baseline;"><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">With the above-mentioned
617. lenders, the business loan interest rates vary. So, after getting quotes from
618. such lenders, always check the monthly EMIs through the </span><a href="https://www.tatacapital.com/business-loan/business-loan-emi-calculator.html" target="_blank"><span style="border: none windowtext 1.0pt; color: #754e00; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Business Loan EMI calculator</span></a><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">.</span><span style="color: #444444; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
619.  
620. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-outline-level: 2; vertical-align: baseline;"><b><span style="border: none windowtext 1.0pt; color: #222222; font-family: "inherit","serif"; font-size: 18.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Step 4: Lender Assessment</span></b><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 18.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></b></p>
621.  
622. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify; vertical-align: baseline;"><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Even though lenders are looking
623. at opportunities to disburse loans, ultimately they take a call based on the
624. factors mentioned below, whether the risk to reward ratio is feasible in making
625. such a transaction or not. They might perform an end-to-end financial and legal
626. due diligence before approving any loan. Here are a few points they consider:</span><span style="color: #444444; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
627.  
628. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l2 level1 lfo3; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
629. </span></span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Credit risk:</span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;"> Lenders will review your past credit history, loans taken
630. earlier, check the timely payments under credits.</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
631.  
632. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l2 level1 lfo3; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
633. </span></span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Outstanding loans and cash flow:</span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;"> Lenders will review if
634. the business’s debt service coverage ratio will be more than 1, i.e. if the
635. P&L projections will cover the debt service.</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
636.  
637. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l2 level1 lfo3; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
638. </span></span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Collateral:</span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;"> Assets in the business can be attached as collateral in case
639. of default.</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
640.  
641. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l2 level1 lfo3; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
642. </span></span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Investors in the company:</span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;"> If reputed angels and
643. venture capital companies have invested in the company, it improves the
644. credibility.</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
645.  
646. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 15.0pt; margin-right: 0in; margin-top: 0in; mso-list: l2 level1 lfo3; tab-stops: list .5in; text-indent: -.25in; vertical-align: baseline;"><!--[if !supportLists]--><span style="color: #444444; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
647. </span></span></span><!--[endif]--><b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Financial statements</span></b><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">: End-to-end financial and cash
648. flow analysis</span><span style="color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
649.  
650. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-outline-level: 2; vertical-align: baseline;"><b><span style="border: none windowtext 1.0pt; color: #222222; font-family: "inherit","serif"; font-size: 18.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Step 5: Approval and
651. Disbursement</span></b><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 18.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></b></p>
652.  
653. <p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify; vertical-align: baseline;"><span style="border: none windowtext 1.0pt; color: #444444; font-family: "inherit","serif"; font-size: 12.0pt; mso-bidi-font-family: Arial; mso-border-alt: none windowtext 0in; mso-fareast-font-family: "Times New Roman"; padding: 0in;">Finally, the loan will be
654. approved or rejected, but one needs to make sure that the
655. proposed business loan is on agreed terms and conditions. The
656. borrower should thoroughly go through the contract before signing it to check
657. the business loan interest rate and repayment schedule, prepayment penalties
658. and other miscellaneous items.&lt;/span&gt;&lt;span style=&quot;color: #444444; font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;; font-size: 12.0pt; mso-fareast-font-family: &amp;quot;Times New Roman&amp;quot;;&quot;&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;</content><link rel='replies' type='application/atom+xml' href='https://tariqulhasanrocky14.blogspot.com/feeds/477643114496281430/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://tariqulhasanrocky14.blogspot.com/2022/10/against-collaterals-which-can-be.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3075545820810660676/posts/default/477643114496281430'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3075545820810660676/posts/default/477643114496281430'/><link rel='alternate' type='text/html' href='https://tariqulhasanrocky14.blogspot.com/2022/10/against-collaterals-which-can-be.html' title=' against collaterals which can be inventory'/><author><name>Tariqul</name><uri>http://www.blogger.com/profile/12501652720337853288</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3075545820810660676.post-9159758842636686098</id><published>2022-07-03T02:43:00.001-07:00</published><updated>2022-07-03T02:43:21.067-07:00</updated><title type='text'>The Annoying Careers in Apple Wireless</title><content type='html'>&lt;p&gt;&amp;nbsp;&lt;span face=&quot;&amp;quot;Quattrocento Sans&amp;quot;, sans-serif&quot; style=&quot;color: #0e101a; font-size: 18pt; font-weight: 700; white-space: pre-wrap;&quot;&gt;The Most Annoying AppDevelopment requir&lt;/span&gt;&lt;/p&gt;&lt;span id=&quot;docs-internal-guid-4c81d789-7fff-bd4b-03ff-b8269e5187a8&quot;&gt;&lt;p dir=&quot;ltr&quot; style=&quot;background-clip: padding-box; background-color: white; border-left: 0.5pt solid rgb(229, 231, 235); border-right: 0.5pt solid rgb(229, 231, 235); line-height: 1.2; margin-bottom: 0pt; margin-top: 0pt;&quot;&gt;&lt;span face=&quot;&amp;quot;Quattrocento Sans&amp;quot;, sans-serif&quot; style=&quot;background-color: transparent; color: #0e101a; font-size: 13pt; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space: pre-wrap;&quot;&gt;There’s a lot of app development requirements that you may not know.&lt;a href=&quot;https://americandailyjournal.com&quot;&gt;americandailyjournal&lt;/a&gt; They include requirements for an app to beshown on the web, requirements for an app to be downloadable from the internet, and requirements for your app tobuildd classify asan a health and fitness app. You also need to have an app’s development process to be manageable. You can find a list of these requirements in the App Development requirements? section of the website.&lt;/span&gt;&lt;/p&gt;&lt;p dir=&quot;ltr&quot; style=&quot;background-clip: padding-box; background-color: white; border-left: 0.5pt solid rgb(229, 231, 235); border-right: 0.5pt solid rgb(229, 231, 235); line-height: 1.2; margin-bottom: 0pt; margin-top: 0pt; padding: 14pt 0pt;&quot;&gt;&amp;nbsp;&lt;/p&gt;&lt;p dir=&quot;ltr&quot; style=&quot;background-clip: padding-box; background-color: white; border-left: 0.5pt solid rgb(229, 231, 235); border-right: 0.5pt solid rgb(229, 231, 235); line-height: 1.2; margin-bottom: 0pt; margin-top: 0pt; padding: 0pt 0pt 14pt;&quot;&gt;&lt;span face=&quot;&amp;quot;Quattrocento Sans&amp;quot;, sans-serif&quot; style=&quot;background-color: transparent; color: #0e101a; font-size: 18pt; font-variant-east-asian: normal; font-variant-numeric: normal; font-weight: 700; vertical-align: baseline; white-space: pre-wrap;&quot;&gt;The Annoying Jungles of Google Play&lt;/span&gt;&lt;/p&gt;&lt;p dir=&quot;ltr&quot; style=&quot;background-clip: padding-box; background-color: white; border-left: 0.5pt solid rgb(229, 231, 235); border-right: 0.5pt solid rgb(229, 231, 235); line-height: 1.2; margin-bottom: 0pt; margin-top: 0pt;&quot;&gt;&lt;span face=&quot;&amp;quot;Quattrocento Sans&amp;quot;, sans-serif&quot; style=&quot;background-color: transparent; color: #0e101a; font-size: 13pt; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space: pre-wrap;&quot;&gt;Google Play is a great place to find apps. But Bev infuses her new health and fitness apps with an unpleasant feeling. She’s not happy with the way her app is rated by Google. The app is no longer being used or being used much. It’s seems like only the company can review it. And that can be frustrating.&lt;/span&gt;&lt;/p&gt;&lt;p dir=&quot;ltr&quot; style=&quot;background-clip: padding-box; background-color: white; border-left: 0.5pt solid rgb(229, 231, 235); border-right: 0.5pt solid rgb(229, 231, 235); line-height: 1.2; margin-bottom: 0pt; margin-top: 0pt;&quot;&gt;&amp;nbsp;&lt;/p&gt;&lt;p dir=&quot;ltr&quot; style=&quot;background-clip: padding-box; background-color: white; border-left: 0.5pt solid rgb(229, 231, 235); border-right: 0.5pt solid rgb(229, 231, 235); line-height: 1.2; margin-bottom: 0pt; margin-top: 0pt;&quot;&gt;&lt;span face=&quot;&amp;quot;Quattrocento Sans&amp;quot;, sans-serif&quot; style=&quot;background-color: transparent; color: #0e101a; font-size: 13pt; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space: pre-wrap;&quot;&gt;The&lt;a href=&quot;https://atechz.com&quot;&gt;atechz&lt;/a&gt;
659. good thing about Google Play is that you can always be approved for a new app. You don’t have to wait long, either. App approvals can take just a few minutes. And because GooglePlay offers no convenience, you have to use other methods to get your app rated.</span></p><p dir="ltr" style="background-clip: padding-box; background-color: white; border-left: 0.5pt solid rgb(229, 231, 235); border-right: 0.5pt solid rgb(229, 231, 235); line-height: 1.2; margin-bottom: 0pt; margin-top: 0pt; padding: 14pt 0pt;"> </p><p dir="ltr" style="background-clip: padding-box; background-color: white; border-left: 0.5pt solid rgb(229, 231, 235); border-right: 0.5pt solid rgb(229, 231, 235); line-height: 1.2; margin-bottom: 0pt; margin-top: 0pt; padding: 0pt 0pt 14pt;"><span face=""Quattrocento Sans", sans-serif" style="background-color: transparent; color: #0e101a; font-size: 13pt; white-space: pre-wrap;">If you’re looking for a healthy and sustainable career, now is the time to try out health and fitness apps like Health and Fitness App of the Month.</span></p><p dir="ltr" style="background-clip: padding-box; background-color: white; border-left: 0.5pt solid rgb(229, 231, 235); border-right: 0.5pt solid rgb(229, 231, 235); line-height: 1.2; margin-bottom: 0pt; margin-top: 0pt;"><span face=""Quattrocento Sans", sans-serif" style="background-color: transparent; color: #0e101a; font-size: 13pt; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space: pre-wrap;">The Annoying Careers in Apple Wireless app allows you to test-drive healthy and sustainable career options. You can find out about job postings and how to choose the right one. It’s also got aan nprovidencee-based team that will help you with <a href="https://buxtonnews.net">buxtonnews</a>
660.  
661. all of your career decisions.&lt;/span&gt;&lt;/p&gt;&lt;p dir=&quot;ltr&quot; style=&quot;background-clip: padding-box; background-color: white; border-bottom: 0.5pt solid rgb(229, 231, 235); border-left: 0.5pt solid rgb(229, 231, 235); border-right: 0.5pt solid rgb(229, 231, 235); line-height: 1.2; margin-bottom: 14pt; margin-top: 0pt; padding: 14pt 0pt 0pt;&quot;&gt;&amp;nbsp;&lt;/p&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;/span&gt;</content><link rel='replies' type='application/atom+xml' href='https://tariqulhasanrocky14.blogspot.com/feeds/9159758842636686098/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://tariqulhasanrocky14.blogspot.com/2022/07/the-annoying-careers-in-apple-wireless.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3075545820810660676/posts/default/9159758842636686098'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3075545820810660676/posts/default/9159758842636686098'/><link rel='alternate' type='text/html' href='https://tariqulhasanrocky14.blogspot.com/2022/07/the-annoying-careers-in-apple-wireless.html' title='The Annoying Careers in Apple Wireless'/><author><name>Tariqul</name><uri>http://www.blogger.com/profile/12501652720337853288</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3075545820810660676.post-66373853237634123</id><published>2022-05-15T20:56:00.003-07:00</published><updated>2022-05-15T20:56:19.537-07:00</updated><title type='text'>Romo Rouf reelected Bank Asia vice-chairman</title><content type='html'>&lt;p&gt;&amp;nbsp;&lt;span style=&quot;background-color: #f7f7f7; font-family: &amp;quot;Tiempos Headline&amp;quot;, sans-serif; font-size: 18px; letter-spacing: 0.5px; text-align: justify;&quot;&gt;Romo Rouf Chowdhury has been re-elected as vice-chairman of Bank Asia at the 473rd meeting of the bank&#39;s board of directors recently.&lt;/span&gt;&lt;/p&gt;&lt;p style=&quot;background-color: #f7f7f7; box-sizing: inherit; font-family: &amp;quot;Tiempos Headline&amp;quot;, sans-serif; font-size: 18px; letter-spacing: 0.5px; line-height: inherit; margin: 0px 0px 1.22222em; padding: 0px; text-align: justify; text-rendering: optimizelegibility;&quot;&gt;Chowdhury is one of the sponsor shareholders as well as sponsor directors of the bank, said a press release.&lt;/p&gt;&lt;p style=&quot;background-color: #f7f7f7; box-sizing: inherit; font-family: &amp;quot;Tiempos Headline&amp;quot;, sans-serif; font-size: 18px; letter-spacing: 0.5px; line-height: inherit; margin: 0px 0px 1.22222em; padding: 0px; text-align: justify; text-rendering: optimizelegibility;&quot;&gt;&lt;br /&gt;&lt;/p&gt;&lt;p style=&quot;background-color: #f7f7f7; box-sizing: inherit; font-family: &amp;quot;Tiempos Headline&amp;quot;, sans-serif; font-size: 18px; letter-spacing: 0.5px; line-height: inherit; margin: 0px 0px 1.22222em; padding: 0px; text-align: justify; text-rendering: optimizelegibility;&quot;&gt;He has more than 30 years of experience as an industrialist. He is one of the successful young entrepreneurs of the country.&lt;/p&gt;&lt;p style=&quot;background-color: #f7f7f7; box-sizing: inherit; font-family: &amp;quot;Tiempos Headline&amp;quot;, sans-serif; font-size: 18px; letter-spacing: 0.5px; line-height: inherit; margin: 0px 0px 1.22222em; padding: 0px; text-align: justify; text-rendering: optimizelegibility;&quot;&gt;Chowdhury holds directorship of various sister concerns of Rangs Group and Sea Fishers Group.&lt;/p&gt;&lt;div class=&quot;mb-20 mr-20 hide-for-print dfp-tag-wrapper text-center &quot; style=&quot;background-color: #f7f7f7; box-sizing: inherit; font-family: &amp;quot;Tiempos Headline&amp;quot;, sans-serif; font-size: 18px; margin-bottom: 20px !important; margin-left: 0px; margin-right: 20px !important; margin-top: 0px; padding: 0px; text-align: center;&quot;&gt;&lt;div class=&quot;rsi-dfp-loader processed&quot; data-adunit=&quot;/34728570/News_Details_After_2nd_Paragraph_ad&quot; data-size=&quot;[300, 250]&quot; data-slot-id=&quot;news_details_after_2nd_paragraph_6281ca3f0f2b8&quot; 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frameborder=&quot;0&quot; height=&quot;250&quot; id=&quot;google_ads_iframe_/34728570/News_Details_After_2nd_Paragraph_ad_1&quot; marginheight=&quot;0&quot; marginwidth=&quot;0&quot; name=&quot;google_ads_iframe_/34728570/News_Details_After_2nd_Paragraph_ad_1&quot; role=&quot;region&quot; scrolling=&quot;no&quot; style=&quot;border-style: initial; border-width: 0px; box-sizing: inherit; vertical-align: bottom;&quot; tabindex=&quot;0&quot; title=&quot;3rd party ad content&quot; width=&quot;300&quot;&gt;&lt;/iframe&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;p style=&quot;background-color: #f7f7f7; box-sizing: inherit; font-family: &amp;quot;Tiempos Headline&amp;quot;, sans-serif; font-size: 18px; letter-spacing: 0.5px; line-height: inherit; margin: 0px 0px 1.22222em; padding: 0px; text-align: justify; text-rendering: optimizelegibility;&quot;&gt;Currently he holds the position of chairman of Rancon Agro Machineries, Rancon Electronics, Rancon Infrastructures and Engineering, Rancon Car Hubs, and Rancon Hospitality.&lt;/p&gt;&lt;p style=&quot;background-color: #f7f7f7; box-sizing: inherit; font-family: &amp;quot;Tiempos Headline&amp;quot;, sans-serif; font-size: 18px; letter-spacing: 0.5px; line-height: inherit; margin: 0px 0px 1.22222em; padding: 0px; text-align: justify; text-rendering: optimizelegibility;&quot;&gt;He is also the vice-chairman of Rancon Holdings, Rancon Motorbikes, and Ranks Petroleum.&lt;/p&gt;&lt;p style=&quot;background-color: #f7f7f7; box-sizing: inherit; font-family: &amp;quot;Tiempos Headline&amp;quot;, sans-serif; font-size: 18px; letter-spacing: 0.5px; line-height: inherit; margin: 0px 0px 1.22222em; padding: 0px; text-align: justify; text-rendering: optimizelegibility;&quot;&gt;&lt;/p&gt;&lt;div class=&quot;mb-20 mr-20 hide-for-print dfp-tag-wrapper text-center &quot; style=&quot;box-sizing: inherit; letter-spacing: normal; margin-bottom: 20px !important; margin-left: 0px; margin-right: 20px !important; margin-top: 0px; padding: 0px; text-align: center;&quot;&gt;&lt;div class=&quot;rsi-dfp-loader processed&quot; data-adunit=&quot;/34728570/news_details_middle_leaderboard_new&quot; data-size=&quot;[300, 250]&quot; data-slot-id=&quot;news_details_middle_leaderboard_new_6281ca3f0f675&quot; data-targeting=&quot;{&amp;quot;type&amp;quot;:&amp;quot;news&amp;quot;,&amp;quot;nid&amp;quot;:&amp;quot;3023741&amp;quot;,&amp;quot;category&amp;quot;:[&amp;quot;Banks&amp;quot;,&amp;quot;Economy&amp;quot;,&amp;quot;Business&amp;quot;],&amp;quot;Category&amp;quot;:[&amp;quot;type-node&amp;quot;,&amp;quot;node-3023741&amp;quot;,&amp;quot;Banks&amp;quot;,&amp;quot;Economy&amp;quot;,&amp;quot;Business&amp;quot;]}&quot; style=&quot;box-sizing: inherit; margin: 0px; padding: 0px;&quot;&gt;&lt;div data-google-query-id=&quot;CM7ZleyP4_cCFcvYcwEdHyAG9Q&quot; id=&quot;news_details_middle_leaderboard_new_6281ca3f0f675&quot; style=&quot;box-sizing: inherit; margin: 0px; padding: 0px;&quot;&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;p&gt;&lt;/p&gt;&lt;p style=&quot;-webkit-text-stroke-width: 0px; background-color: #f7f7f7; box-sizing: inherit; color: black; font-family: &amp;quot;Tiempos Headline&amp;quot;, sans-serif; font-size: 18px; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: 0.5px; line-height: inherit; margin: 0px 0px 1.22222em; orphans: 2; padding: 0px; text-align: justify; text-decoration-color: initial; text-decoration-style: initial; text-decoration-thickness: initial; text-indent: 0px; text-rendering: optimizelegibility; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;&quot;&gt;Besides, Chowdhury is the managing director of Rancon Motors, Rangs, Rangs Properties, Rancon Automobiles, Ranks Telecom and 10 other renowned companies.&lt;/p&gt;</content><link rel='replies' type='application/atom+xml' href='https://tariqulhasanrocky14.blogspot.com/feeds/66373853237634123/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://tariqulhasanrocky14.blogspot.com/2022/05/romo-rouf-reelected-bank-asia-vice.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3075545820810660676/posts/default/66373853237634123'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3075545820810660676/posts/default/66373853237634123'/><link rel='alternate' type='text/html' href='https://tariqulhasanrocky14.blogspot.com/2022/05/romo-rouf-reelected-bank-asia-vice.html' title='Romo Rouf reelected Bank Asia vice-chairman'/><author><name>Tariqul</name><uri>http://www.blogger.com/profile/12501652720337853288</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry></feed>

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