Our Services

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

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

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

• 2 Recent Passport Size Photographs (Valid up to last six month captured)
• Last One Year ITR
• Address Proof
• ID Proof
• Bank Statement of last Three month. & Business Reports.

Let lenders know that rejection will not discourage you from starting or growing your business. You want to portray a confident and determined personality and you will not try lender after lender until you receive the money you need to get your business moving. As a business owner, you will need a certain degree of fortitude. Be confident and proud of your venture. Let lenders know you are in control and know what's best for you and your business. Understand that lending institutions need to make loans. But if you don't get one, don't get discouraged. Ask the lender why you didn't get the business loan. Learn from the answer, rectify and move on for other lenders.

A business loan is a loan specifically intended for business purposes. As with all loans, it involves the creation of a debt, which will be repaid with added interest. There are a number of different types of business loans, including bank loans, mezzanine financing, asset-based financing, invoice financing, microloans, business cash advances and cash flow loans. Business loans may be either secured or unsecured. With a secured loan, the borrower pledges an asset (such as plant, equipment, stock or vehicles) against the debt. If the debt is not repaid, the lender may claim the secured asset. Unsecured loans do not have collateral, though the lender will have a general claim on the borrower’s assets if repayment is not made. Should the borrower become bankrupt, unsecured creditors will usually realise a smaller proportion of their claims than secured creditors. As a consequence, secured loans will generally attract a lower rate of interest.

A business loan is debt that the company is obligated to repay according to the loan’s terms and conditions. Before approaching a lender for a loan, it is imperative for the business owners to understand how loans work and what the lender will want to see from the owner. A business loan is borrowed capital that companies apply toward expenses that they are unable to pay for themselves. Some business owners use business loans to pay for salaries and wages until their new company gets off the ground, while other companies put borrowed funds toward office supplies, inventory or business projects.

• Ration Card
• Electricity Bill
• Mobile Bill
• land Line Bill
• Passport
• Mool Niwas patra
• House tax slip water bill
• Gas Bill etc.

• PAN Card
• Voter cards
• Driving Lincense
• Job certificate (at present) issued from company in which works
• College Identity Card, Etc.

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

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

• 2 Recent Passport Size Photographs (Valid up to last six month captured)
• Last two month Pay Slip
• Address Proof
• I.D Proof
• Bank Statement of last Three month.

For Business Class : Pan Card/voter ID/last Two Years Income Tax Returns Front Page Copy/bank Passbook Front Page Copy/electricity Bill/ration Card or Gas Book Copy/optional: If You Have Business Registration Copy.

• Ration Card
• Electricity Bill
• Mobile Bill
• land Line Bill
• Passport
• Mool Niwas patra
• House tax slip water bill
• Gas Bill etc.

• PAN Card
• Voter cards
• Driving Lincense
• Job certificate (at present) issued from company in which works
• College Identity Card, Etc.

A mortgage loan is a type of secured loan where you can avail funds by providing your asset as collateral to the lender. This is a popular form of financing as it helps the borrower avail a high loan amount and prolonged repayment tenor..

A mortgage is usually a loan sanctioned against an immovable asset like a house or a commercial property. The lender keeps the asset as collateral until the borrower repays the total loan amount.

A home loan or a commercial property loan can be availed only to purchase a home or a commercial space respectively. On the other hand, a loan against property has no end-use restrictions. It can be used to fund overseas education, a wedding, a home renovation, etc.

• 2 Recent Passport Size Photographs (Valid up to last six month captured)
• Photocopy of Property Documents
• Address Proof
• ID Proof
• Bank Statement of last Three month.

For Business Class : Pan Card/voter ID/last Two Years Income Tax Returns Front Page Copy/bank Passbook Front Page Copy/electricity Bill/ration Card or Gas Book Copy/optional: If You Have Business Registration Copy.

• Ration Card
• Electricity Bill
• Mobile Bill
• land Line Bill
• Passport
• Mool Niwas patra
• House tax slip water bill
• Gas Bill etc.

• PAN Card
• Voter cards
• Driving Lincense
• Job certificate (at present) issued from company in which works
• College Identity Card, Etc.

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

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

• 2 Recent Passport Size Photographs (Valid up to last six month captured)
• Last two month Pay Slip
• Address Proof
• I.D Proof
• Bank Statement of last Three month. & Business Reports.

At Ganesha Finance Pvt Ltd . The Home Loan eligibility criteria is defined by various factors as mentioned below :-

• You are an Indian resident.
• You are between 21-70 years of age.
• THE MINIMUM LOAN AMOUNT IS 3 LACS AND MAXIMUM 100 CORES.

• Ration Card
• Electricity Bill
• Mobile Bill
• land Line Bill
• Passport
• Mool Niwas patra
• House tax slip water bill
• Gas Bill etc.

• PAN Card
• Voter cards
• Driving Lincense
• Job certificate (at present) issued from company in which works
• College Identity Card, Etc.

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

Project Loan is a form of syndicated finance designed for long–term infrastructure and industrial projects often involving governments. We play a significant part in funding projects in various industrial sectors, catalyzing public and private partnerships and reducing project risk using a mix of government credits, insurance and private lending.

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

Project Loan is the long-term financing of infrastructure and industrial projects based upon the projected cash flows of the project rather than the balance sheets of its sponsors. Usually, a project financing structure involves a number of equity investors, known as 'sponsors', and a 'syndicate' of banks or other lending institutions that provide loans to the operation. They are most commonly non-recourse loans, which are secured by the project assets and paid entirely from project cash flow, rather than from the general assets or creditworthiness of the project sponsors, a decision in part supported by financial modeling. The financing is typically secured by all of the project assets, including the revenue-producing contracts. Project lenders are given a lien on all of these assets and are able to assume control of a project if the project company has difficulties complying with the loan terms.

The company accepts following document from the client side in the case of loan

• Electricity Bill
• Mobile Bill
• Land Line Bill

• PAN Card
• Voter cards
• Driving Lincense
• Job certificate (at present) issued from company in which works
• College Identity Card, Etc.