Jawab Ke Asal Madhyam – Bure Credit Business Loans Ki Qisam

Muqadmat

• Bure credit business loans high-risk loans hotay hain.
• Yeh wo qarz hota hai jo un logon ke liye hai jinki shakhsiyat ki credit score 669 ke neechay hai.
• Unchai mawajihat dar aur fees se savdhaan rahain.
• Alternatives mein in shaamil hain grants, business credit cards aur crowdfunding.
• Bure credit business loan aapke chotay business owners ko zaroorat se zyada financing faraham kar sakte hain. Yeh loans aapko equipment khareedne mein, rozana ke karobaar ko fund karne mein ya apne business ko barhane mein madadgar sabit ho sakte hain. Sahi bure credit business loan aapko aapki credit ko behtar banane mein bhi madadgar sabit ho sakta hai.

Bure credit ke saath business loan hasil karna aik challenge ho sakta hai. Yeh loans aksar doosri qisam ke loans ke muqable mein zyada interest rates rakhtay hain, aur aapko un mein shaamil hojane ke liye zyada mushkilaat ka saamna karna par sakta hai, jo achchi ya excellent credit wale logon ke liye business loans hasil karne ke muqable mein hoti hain. Sab se sasti option talash karne ke liye, aapko dukaan darwazon par ghoomna hoga aur len den karne wale lenders ko mawazanay ka bhi tajarba karna hoga. Aapko bhi yaqeeni karna hoga ke aap sahi qisam ke business loan ko chunte hain.

Aur janne ke liye aage padhiye ke aap kon se bure credit business loans ke liye eligible hain aur har option kis tarah kaam karta hai.
ya yahan click kr k english main tafselaat hasil kren.

Term Loans (Term Qarz)

Term loans wo raqam hoti hain jo aik muddat ke saath sath sath adaigi ke saath ada ki jaati hai. Yeh loans banks, credit unions aur alternative online lenders ke zariye faraham kiye jate hain.

Aam taur par term loans doosri qisam ke loans ke muqable mein kam interest rates rakhte hain. In ko aksar apne business mein important khareedariyon ya lambi muddat ke investements karne ke liye istemal kiya jata hai.

Adaigi ki muddat qisam ke loan par mabni hoti hai. Misal ke taur par, aapke paas choti muddat ke business loans ada karne ke liye sirf do saal ya us se kam muddat ki adaigi ki ja sakti hai, jabke darmiyani muddat ke loans ki adaigi ki muddat paanch saal tak ho sakti hai. Is ke ilawa, lambi muddat ke business loans bhi hoti hain, jin mein aap ko qarz ada karne ki muddat 10 se 20 saal tak ho sakti hai.

Online lenders business owners ke saath kaam karne ke liye zyada tayyar hote hain jo kam credit score wale logon ke hain. Kuch lenders sirf 500 credit score ke minimum requirements rakhtay hain, lekin qarz ki raqam aam taur par wohi ho gi jo traditional banks faraham karte hain.

Mamoor Qarz Vs. Be-mamoor Qarz (Secured Loans Vs. Unsecured Loans)

Business loans mamoor ya be-mamoor ho sakte hain. Mamoor loans aap se qarz ke saath asbaab ki shanakht karnay ka dawayi hota hai. Is asbaab mein equipment, invoices ya property shamil ho sakti hai.

Personal ya business collateral faraham karna lender ko aik risky credit profile wale applicant ko loan dene mein ziada bharosa dilata hai. Agar aap qarz ada karne mein kamiyabi nahi pa sakte, to lender collateral ko seize kar sakta hai.

Be-mamoor business loans, dosri taraf, qarz hasil karne ke liye collateral faraham karne ki zaroorat nahi hoti. Is ke natijay mein interest rates aksar zyada hote hain. Aur kyunki yeh be-mamoor hote hain, is qisam ke loan ke manzoori ke liye aap ko behtar credit score ki zaroorat hoti hai.

Line of Credit (Credit Ki Lakeer)

Aik business credit ki lakeer aik business credit card ki tarah hoti hai. Is mein aik lump sum distribution ki bajaye, aik revolving funds ki akses faraham ki jati hai, jo zarurat par istemal, adaigi aur phir dobara istemal ki ja sakti hai.

Credit ki lakeer ke sath aik credit limit aur aik draw period hoti hai. Aap ko sirf wo raqam jama karni hoti hai jis par aap draw period mein qarz lete hain, puri credit line ki rakam ke bajaye. Draw period credit lines ke liye lender se lender tak mukhtalif hoti hai aur teen mahine se paanch saal tak ho sakti hai.

Mamoor aur be-mamoor credit lines dono hoti hain. Naye businesses ya jinke paas qarz ki muddat ya credit ki achi shanakht nahi hai, unke liye lender credit line ko mamoor karne ke liye collateral ki talashi rakh sakta hai. Aur agar aap maqroof ki muddat ke mutabiq paisa ada nahi kar sakte, to lender collateral ki asbaab jo aap faraham karte hain ko seize kar sakta hai.

Bankrate Ki Raushni Mein (Bankrate Ki Insight)

Kuch bure credit ke business loans fees ke bajaaye factor rates ka istemal karne wale hote hain. Sab se sasti qarz talash karne ke liye factor rates ko interest rates mein tabdeel karen, jo aap ko qarzain mukhtalif qisam ke tajarbat karne mein madadgar sabit ho sakta hai.

Bure Credit Ke Liye SBA Business Loans (SBA Business Loans For Bad Credit)

U.S. Small Business Administration woh loans garant karti hai jo chotay business ki zarooriyaat ko pura karne ke liye istemal kiye ja sakte hain. Is mein working capital, inventory, jaidaad aur business debt consolidation shamil hain. Der ayinda aur dheere dene wale loans ke nuksaanaat ke bawajood, ye government-backed loans mehnat aur sabr ke layak ho sakte hain, kyunki in ke saath lambi adaigi ki muddat aur kam interest rates ati hain.

SBA loans ke kuch qisam hoti hain. In mein se kuch aisi shanakhten hoti hain jo bure credit wale business owners ki madad kar sakti hain. Is mein SBA microloans shaamil hain, jin ki raqam $50,000 tak hoti hai aur interest rates aam taur par 8 percent se 13 percent ke darmiyan hoti hain. Aik bara hissa SBA microloans un business owners ko support karne ke liye jata hai jo underserved communities mein hain. Kuch lenders sirf aik personal credit score ki shanakht karte hain jis mein 500 shamil hai; doosre bina credit score requirement ke bhi ho sakte hain, lekin aap ke paas do saal ki business aur collateral ki zaroorat ho sakti hai.

Kuch lenders bure credit wale business owners ke liye SBA 7(a) loans faraham kar sakte hain. Misal ke taur par, Lendio ke liye aik minimum credit score requirement hai jis mein 600 shamil hai. Aur Fundible apni website par yeh kehta hai ke small business owners ko SBA loan ke liye apply karte waqt sirf 500 credit score ki zaroorat hai.

Bankrate Ki Raushni Mein (Bankrate Ki Insight)

Bure credit ke liye SBA loan hasil karna mumkin hai, lekin aap ko phir bhi dikhana hoga ke aap qarz ada kar sakte hain. Lenders aap ke taqatwar credit profile ke baray mein sochenge, jismein aap ke business ke industry mein guzri hui saal, saalana income, personal ya business collateral aur cash flow shamil honge.

Microloans (Microloans)

Microloans small business loans ki raqam hoti hain jo $500 se le kar $50,000 tak hoti hain. Aksar yeh loans local non-profit community development organizations dvara faraham kiye jate hain aur Small Business Administration (SBA) ki taraf se backed hoti hain. Kuch online lenders bhi microloans faraham karte hain.

Microloan hasil karne ke liye shanakht ki shanakhton mein aksar doosri qisam ke loans ke muqable mein ziada istemal hone wale muddat ki bakhshash hoti hai. Aam taur par in loans ki adaigi ki muddat chheh mahine se le kar chheh saal tak hoti hai.

Equipment Financing (Equipment Ki Financing)

Equipment financing aik auto loan ki tarah hoti hai. Is qisam ke loan mein equipment qarz ki surat mein kaam karta hai, is liye aap ko zameen ya kisi aur asbaab ki talashi nahi karni parti. Aur kyunki equipment loan ko support karta hai, to kuch lenders business owners ke saath kaam karne ke liye zyada tayyar hote hain jinki credit kharab hoti hai.

Taur par loans ko, yeh loans banks aur online lenders par mil sakte hain aur aam taur par mahinay bhar ke musbat adaigi ki shanakhton mein ada karni parti hai. Adaigi ki muddat aam taur par teen se le kar dus saal tak hoti hai.

Invoice Financing (Invoice Ki Financing)

Invoice financing mein aap apne accounts receivables ka istemal karte hain, yani aapke clients ke dwara aapke business ko denay wale unpaid invoices ka istemal karte hain, lender se short-term cash advance hasil karne ke liye. Lender aapko invoice par mojud raqam ki 85 percent se 90 percent tak advance karega. Jab aapka client invoice ada karta hai, to aap lender ko advance ki gayi raqam, plus fees, wapis karte hain. Aam taur par, lender charges jo aik percentage of the invoice amount hoti hain, us par fees hoti hain.

Invoice financing startups ke liye bhi asaan business loan ho sakta hai jinki credit kharab hai, kyunki is qisam ke qarz ko support karte hain invoices. Lekin paise is tareeqay se udhaar lene ka kharch doosri qisam ke qarz ke muqable mein zyada ho sakta hai.

Invoice Factoring (Invoice Factoring)

Invoice factoring ke saath, aap apne invoices ko aik invoice factoring company ko bech dete hain. Badle mein, factoring company aapko un invoices ki qeemat ki 85 percent se 90 percent tak adalat karega. Jab invoice ada hota hai, to lender aapko fees ke alawa baki raqam bhejta hai.

Aapki credit score ya karza wapas karne ki shanakht ka hona invoice factoring ke liye maqrooz nahi hota, kyunki adaigi na hui invoices qarz ko support karte hain. Is ke bajaye, lender woh client jinka invoice aap bechne chahte hain unhein dekh kar yaqeeni karta hai ke client adaigi mein achi adaigi ki mukhlis tarikh hai.

Merchant Cash Advance (MCA) (Merchant Cash Advance)

A merchant cash advance (MCA) online lenders dvara aksar faraham ki jane wali aik short-term borrowing ki shanakht hoti hai. MCA aik lump sum raqam faraham karta hai. Ye raqam aapke business ke future debit aur credit card sales ke khilaaf aik advance hai. Raqam ko wapas hasil karne ke liye lender aapke rozana debit aur credit card sales ki aik qist ko leta hai, is ke saath hi us ke lending fees ko bhi, jab tak advance puri tarah se ada nahi hojata.

MCAs ka approval 500 credit score ke saath mumkin hai, aur shayad is se kam bhi ho sakta hai. Manzoori paane ke liye aapko apne business aur us ke income se mutaliq maloomat faraham karne ki zaroorat hogi.

MCAs ke is tareeqay se udhaar lene ke irtiqai kharch doosri qisam ke loans ke muqable mein aam taur par ziada hote hain. Merchant cash advances ke saath jori jane wale irtiqai charges, is ke saath hi muddat ka mukhtalif hona, aur woh fact ke aap apne future sales ka hissa bech rahe hain, kabhi kabar aik aisi qarz ki cycle ko peda kar sakte hain jo seer se nikalna mushkil ho sakta hai.

Bankrate Ki Raushni Mein (Bankrate Ki Insight)

“Merchant cash advances business financing ke sab se mehenge forms mein se aik hain kyunki in ke buland fees aur muddat ki mukhtalif hoti hain,” kehte hain Leslie Tayne, aik qarz hal attorney aur Tayne Law Group ke founder.

“Jab annual percentage rate ke tor par bayan kia jata hai, to merchant cash advance ka kharch 300% APR ya us se ziada ho sakta hai. Lekin MCAs ko qanooni tor par qarz nahi mana jata — balkeh, woh future receivables ke aik advance hain — companies woh fees charge karne ki ijaazat hasil kar sakti hain jo qanooni tor par state usury laws ke tabe hain bina.”

Bure Credit Loans Ke Fawaid Aur Nuksanat (Pros and Cons of Bad Credit Loans)

Jab aap bure credit ke liye business loan hasil karne ke liye tayyar hain, to yaqeeni banain ke aap samajh lein ke aap kis qisam ke faislay par hastakshar kar rahe hain, is mein tamam mumkin faiday aur nuksanat ke bawajood. Yahan bure credit business loans ke fawaid aur nuksanat ke ek jhalk hai.

Fawaid (Pros)

• Taqatwar manzoori ki shanakhten. Bure credit ke liye dastiyab hone wale loans aur udhaar ki options aksar un criteria par manzoori dene ki ejazat dete hain, jaise ke collateral ya future business receipts.
• Tezi se funds hasil karna. Alternative online lenders bure credit wale business owners ko bhi tezi se funds faraham karte hain. Kuch mamlat mein aap kuch dino mein hi funds dekh sakte hain.

Nuksanat (Cons)

• Unchai interest rates aur charges. Aik ache bure credit business loans ke bawajood, aam taur par un mein buland interest rates honge. Aur sath hi sath aur bhi kayi mukhtalif fees bhi ho sakti hain.
• Mehdood loan amounts. Bure credit scores ke liye microloans ya doosri qisam ke lending ka istemal karte waqt aapke business ki zarooriyat ke mutabiq aap mojooda raqam se ziada nahi hasil kar sakte.
• Apne collateral ko khatre mein dalna. Kuch bure credit loans ko collateral faraham karne ki shanakht hoti hai. Is mein aik qarz ada karne ke surat mein tabdeel ho sakti hai. Agar aapke maali halaat tabdeel ho jate hain aur aap qarz ada nahi kar sakte, to aap woh asbaab kho sakte hain.

Bure Credit Business Loans Ke Alternatives (Alternatives to Bad Credit Business Loans)

Agar aapke liye aik bure credit business loan acha option nahi lagta, to yahan kuch aur options hain jo aap tawajjo den.

Chotay Business Grants (Small Business Grants).

Grants aksar state, local aur federal government entities se small businesses ke liye dastiyab hote hain. Is qisam ki funding non-profit organizations ya local community organizations se bhi milti hai. Business grants aam taur par wapas karne ki zaroorat nahi hoti, lekin aapko aksar woh aam taur par aik buland competition wala application process mein shirkat karna hoti hai. Minority, aurat aur veterans ke liye bhi grants hoti hain.

Business Credit Cards (Business Credit Cards).

Kuch credit card issuers business owners ke liye secure aur unsecure credit cards faraham karte hain, jo ke bure credit wale aur applicants ko as low as 300 score se shamil kar sakte hain. Agar responsibly istemal kiya jaye, to aik credit card aapke credit score ko banane ya dobara banane mein madadgar ho sakta hai aur aapke lender ke sath aik rishta qaim karne mein madadgar ho sakta hai. Kuch bure credit wale credit cards mein cash back aur muft employee cards jaise faide bhi hote hain.

Personal Loans (Personal Loans).

Aik muqaddar ki raqam ka izafa hone ke sath sath aapko aksar banks, credit unions aur online lenders se bure credit borrowers ke liye personal loans milti hain. In loans ko aksar collateral ke zariye mamoor karna hota hai, lekin be-mamoor options bhi hoti hain. Aik kam credit score ke bawajood, personal loans aksar doosri qisam ke credit cards ke buland interest rate ke muqable mein behtar option ho sakte hain.

Crowdfunding (Crowdfunding).

Is mein paise ibratnaak taur par ikhata hone wale kai logon ke zariye hasil kiye jate hain jo chote donations ya investements karte hain. Crowdfunding aksar online platform ya is maqsad ke liye tasaruf kiye jane wale website ke zariye hota hai aur is aik moahida hai. Paise is tareeqay se udhaar lene ke liye aapko apna credit score faraham karne ki zaroorat nahi hoti. Is ke bajaye, paise woh log dete hain jo aapke business ya project ke liye khaas dilchaspi rakhte hain.

Conclusion (Bottom Line)

Behtareen bure credit business loans woh option hain jo fair ya bure credit wale business owners ke liye hain. Inhein normal lending ki shanakhton ko pura karne mein mushkil ho sakti hai. Lekin doosri options ke sath mukhtalif options ke saath milne wale fees aur interest rates, is liye apne haq mein istemal karne se pehle khoob sochi samjhi khatimaat se amal karna aham hai. Kuch hawalaat mein, behtar credit score hasil karne ki bhi koshish ki ja sakti hai, jis se aap future mein bhi achi manzoori hasil karne mein madadgar ho sakte hain.