Services
Our Services
Explore Our Financial Services
Discover a wide array of financial solutions designed to meet your diverse needs. From home loans to unsecured business loans, our range of products offers tailored options for every stage of your financial journey. Explore and find the perfect fit for your goals.
HOME LOAN
Introduction : Welcome to our home loan services in India, where we strive to make your dream of owning a home a reality. Our flexible and competitive home loan options are designed to suit your needs, offering you the financial support you require to purchase your dream property. With attractive interest rates, flexible repayment terms, and personalized assistance throughout the process, we are committed to helping you navigate the journey of homeownership with ease. Whether you're a first-time buyer or looking to upgrade your current home, our dedicated team is here to guide you every step of the way. Take the first step towards your dream home with our reliable and trusted home loan solutions in India."
Benefits of Home loan
- Homeownership: One of the primary benefits of a home loan is that it allows individuals to become homeowners. Instead of paying rent, you can invest in a property and build equity over time.
- Financial leverage: Home loans provide an opportunity to leverage your finances. By borrowing money to purchase a home, you can benefit from the potential appreciation of the property value over time.
- Tax advantages: As per IT act, home loan interest and principal payments for repayment of loan are tax-deductible up to certain extent. This can result in significant tax savings, reducing your overall tax liability.
- Flexibility in repayment: Home loans typically offer flexible repayment options, We can guide you to choose a repayment term that suits your financial situation. This flexibility can help manage monthly cash flow effectively at your end in long run.
- Potential for Re -booking: If interest rates decrease or your financial situation improves, We can give you options to switch your home loan at lower rate of interest. Which can potentially lower your monthly payments and interest cost or allow you to access additional funds for other purposes.
- Building credit history: Consistently making timely payments on your home loan can help establish and improve your credit history, which can be beneficial for future borrowing needs.
- Investment opportunity: Owning a home can also be seen as an investment opportunity. If the property value appreciates over time, you may be able to sell it at a higher price, potentially generating a profit, also on additional property you may generate rent simultaneously.
UNSECURED BUSINESS LOAN
Introduction: Welcome to our unsecured business loan services, where we understand the unique financial needs of businesses like yours. Our goal is to provide you with a simple and effective solution to fuel your business growth without the need for collateral for short term and also for long term. With our unsecured business loans, you can access the funds you need quickly and conveniently, allowing you to seize opportunities, expand operations, or manage cash flow effectively. Our competitive interest rates, flexible repayment terms, and streamlined application process make obtaining the funds you need hassle-free. Whether you're a small startup or an established business, our dedicated team is here to support your financial goals and help your business thrive. Experience the freedom and flexibility of an unsecured business loan tailored to your specific needs.
BENEFITS
- No collateral required: Unlike secured loans that require collateral, unsecured loans do not require any asset to be pledged as security. This means you don't have to risk losing your property or assets if you default on the loan. Along with additional loans are availed for customers who have already availed a loan with collateral,
- Quick and convenient: Unsecured loans typically have a faster approval process compared to secured loans. Since there is no need for collateral evaluation, the application and approval process can be instant and quicker, allowing you to access funds when you need them.
- Flexibility in repayment: Unsecured loans provide flexibility in repayments. Whether you need to repay the same at your ease, can be availed in Term Loan form or in the form of drop line Overdraft. you can use the loan for various purposes as per your business requirements.
- Lower risk for borrowers: As a borrower, unsecured loans carry less risk compared to secured loans. Since there is no collateral involved, your personal assets are not at stake. This can provide peace of mind and financial security.
- Build credit history: Taking out and repaying an unsecured loan responsibly can help build or improve your credit history. Timely payments can positively impact your credit score, making it easier to qualify for future loans or credit cards with better terms and interest rates.
- No appraisal or valuation required: Unlike secured loans that often require property appraisals or valuations, unsecured loans do not involve these additional costs and processes on valuation. This can save your time during the loan application process.
- Suitable for various credit profiles: Unsecured loans are available to businesses with different credit profiles, including those with good credit, fair credit, or even limited credit history. Lenders consider various factors beyond collateral, such as income margin, stability/ vintage, business trends, and creditworthiness.
It's important to note that unsecured loans typically have higher interest rates compared to secured loans, as lenders bear a higher risk. Additionally, loan terms and eligibility criteria may vary depending on the lender and your creditworthiness. It's advisable to carefully consider your financial situation and compare loan offers before making a decision.
COMMERCIAL LOAN
Welcome to the world of commercial lending, where innovative opportunities for growth and success await. Whether you're a small business owner looking to expand or an entrepreneur with a groundbreaking idea, we're here to turn your dreams into reality.
At SHUBHAM ADVISORS , we understand that securing the right financing is vital for your commercial endeavors. That's why we've developed a streamlined and easy-to-understand approach to commercial loans. Our goal is to empower you with the financial resources you need to fuel growth, seize new opportunities, and elevate your business to new heights.
What makes us different is our strong commitment to innovation. We pride ourselves on staying ahead of the curve, constantly seeking out unique solutions to meet the evolving needs of our clients. Our team of experienced professionals will work closely with you to understand your vision and tailor a loan package that suits your specific requirements.
We believe that obtaining a commercial loan should be a straightforward and transparent process. With our user-friendly application process, you can expect efficiency and clarity every step of the way. No more complicated paperwork or confusing jargon – we're here to simplify your journey towards financial success.
But our relationship with you doesn't end once the loan is secured. We view ourselves as more than just banker; we're strategic partners invested in your success. Our team will be there to offer ongoing support, guidance, and expertise to ensure that your investment thrives.
So, say goodbye to financial roadblocks and hello to a world of endless possibilities. Choose SHUBHAM ADVISORS for an easy-to-understand and innovative commercial loan experience that empowers you to conquer your ambitions. Let's embark on this exciting journey together!
BENEFITS
There are several benefits of commercial loans for businesses, including:
- Access to large sums of capital: Commercial loans offer businesses the ability to borrow large amounts of money, which can be used for expanding operations, purchasing equipment or inventory, or investing in real estate.
- Flexibility in use of funds: Unlike some other types of loans, commercial loans allow businesses the flexibility to use the borrowed funds for various purposes, depending on their specific needs and goals.
- Longer loan terms: Commercial loans typically have longer repayment terms compared to other types of loans, which can help businesses manage their cash flow and make affordable monthly payments over a longer period of time.
- Lower interest rates: Commercial loans often have lower interest rates compared to other forms of financing, making them an attractive option for businesses looking to borrow money at a lower cost.
- Build credit history: Taking out and repaying a commercial loan can help businesses build a positive credit history, which can make it easier to secure future financing at more favorable terms.
- Retain ownership and control: Unlike equity financing (such as selling shares of stock), commercial loans allow businesses to maintain ownership and control of their operations as they repay the loan.
- Tax benefits: The interest paid on commercial loans is generally tax-deductible, which can help businesses reduce their overall tax liability.
- Quick access to funds: Commercial loans can often be processed and approved relatively quickly, allowing businesses to access the funds they need in a timely manner.
Overall, commercial loans provide businesses with the necessary capital to grow and expand their operations, while offering flexibility, favorable terms, and potential tax benefits.
LOAN AGAINST PROPERTY
Welcome to our lending services! Are you in need of quick and reliable financial assistance? We understand that sometimes, unexpected expenses or financial obligations can arise, leaving you in need of additional funds. That's where our loan against property option comes in. Offering a simple yet effective solution, our loan against property allows you to leverage the value of your property to access the funds you require. With flexible repayment options and competitive interest rates, our loan against property is designed to tailor to your specific needs. Whether you're looking to invest in a new business venture, consolidate debts, or finance a major expense, our loan against property can provide you with the necessary financial support. Let us help turn your property into the key to unlocking your financial goals. As such, your valuable property stands tall as a secure pillar for the loan, graciously allowing you to keep utilizing it just as you always have.
BENEFITS
- Higher loan amount: Loan against property allows you to borrow a higher loan amount compared to other types of loans such as personal loans or gold loans. This is because the loan is secured against the property, providing the lender with a greater level of assurance.
- Lower interest rates: Loan against property generally comes with lower interest rates compared to unsecured loans like personal loans. This is because the lender has the property as collateral, reducing the risk associated with the loan.
- Longer repayment tenure: Loan against property offers longer repayment tenure compared to other types of loans. This helps in spreading out the repayment over a longer period, making it more affordable and manageable.
- Flexibility in usage: The funds obtained through a loan against property can be used for various purposes such as financing business expansion, funding higher education, meeting medical expenses, consolidating debts, or other personal needs. There are no restrictions on the end-use of the funds.
- Quick approval process: Loan against property usually has a quick approval process compared to other types of loans. This is because the property acts as collateral, providing the lender with security and reducing the time required for approval and processing.
- Improving credit score: By taking a loan against property and repaying it on time, you can improve your credit score. Timely repayments and responsible handling of the loan can have a positive impact on your credit history and creditworthiness.
- Lower EMIs: Loan against property offers the advantage of lower equated monthly installments (EMIs) compared to other types of loans. This makes repayment more affordable and manageable for the borrower.
HASSLE-FREE HOME LOAN BALANCE TRANSFER AT SHUBHAM ADVISORS
Are you burdened by high-interest rates on your existing home loan? Do you want to save more and reduce your monthly payments? Shubham Advisors offers an effortless solution – Home Loan Balance Transfer.
BENEFITS
There are several benefits of balance transfers, including:
- Lower interest rates: One of the primary reasons people opt for balance transfers is to take advantage of lower interest rates. Many credit card companies offer introductory promotional rates, sometimes as low as 0%, for a designated period of time. This can help save money on interest payments and allow individuals to pay off their debt faster.
- Consolidation of debt: Balance transfers allow individuals to consolidate multiple debts into one, making it easier to manage their finances. Instead of having multiple payments to make each month, they only need to focus on one payment.
- Cost savings: By transferring a high-interest credit card balance to a lower interest rate card, individuals can save money on interest charges over time. This can result in significant savings, especially for those with a large outstanding balance.
- Simplify monthly payments: Consolidating debts through a balance transfer can simplify monthly payments. Instead of juggling multiple due dates and minimum payment amounts, individuals only need to make one payment each month, making it easier to budget and manage their finances.
- Potential for improved credit score: By consolidating debts and making consistent on-time payments, individuals can improve their credit score. A higher credit score can lead to better borrowing terms and lower interest rates in the future.
- Debt payoff acceleration: With lower interest rates and potentially reduced monthly payments, individuals can pay off their debt faster. This can help individuals achieve financial freedom sooner and reduce the overall amount of interest paid over time.
LOAN BALANCE TRANSFER WITH TOP-UP
Experience financial relief and access extra funds by opting for our Loan Balance Transfer with Top-Up. This option allows you to slash high-interest rates on your existing loan, resulting in substantial savings. Simultaneously, you can borrow additional funds on top of your current balance to address various financial needs without the hassle of a new loan application. Our streamlined process ensures efficiency and ease, empowering you to achieve your financial goals with confidence.
BENEFITS
There are several benefits to opting for loan balance transfer with top-up:
- Lower interest rates: One of the major benefits of a loan balance transfer with top-up is the opportunity to avail of a lower interest rate. If you are currently paying high interest on your existing loan, transferring the balance to another lender with a lower interest rate can result in significant savings over the loan tenure.
- Consolidation of debts: If you have multiple loans or debts, a loan balance transfer with top-up allows you to consolidate all your debts into a single loan. This can make it easier to manage your finances and streamline your repayments.
- Additional funds: With a top-up loan, you are eligible to borrow an additional amount on top of your existing loan balance. This can be useful if you have any immediate financial needs or if you require extra funds for any reasons like home renovation, education, wedding, or medical expenses.
- Flexibility in tenure: When opting for a loan balance transfer with top-up, you may have the opportunity to choose a longer tenure for repayment. This can help in reducing your monthly installment amounts, making it more affordable and manageable for you.
- Improved credit score: If you have been regularly paying your loan installments without any defaults, a loan balance transfer with top-up can provide an opportunity to improve your credit score. By transferring your existing loan to a new lender and continuing to make timely repayments, you can demonstrate your creditworthiness and improve your credit score over time.
- Better customer service: If you are unhappy with the customer service provided by your current lender, a loan balance transfer with top-up allows you to switch to a new lender who may offer better service and more responsive customer support.
Overall, a loan balance transfer with top-up can help you save money on interest, provide additional funds, simplify debt management, and potentially improve your credit score. However, it is important to carefully consider the terms and conditions of the new loan offer, including any processing fees or hidden charges, before making a decision.
PERSONAL LOANS
Unlock financial freedom with Personal Loans—a versatile solution for covering various expenses without collateral. Whether consolidating debt, funding home improvements, or planning a dream vacation, a Personal Loan provides a lump sum with a fixed term and interest rate. Accessible online with quick approval and direct fund disbursal, it simplifies the lending process. Additionally, responsible repayment can positively impact your credit, offering future financial benefits. With competitive interest rates, Personal Loans stand out as a convenient and beneficial tool for managing diverse financial needs.
BENEFITS
There are several benefits of personal loans:
- Flexibility: Personal loans can be used for a variety of purposes, such as debt consolidation, home improvements, medical expenses or even a vacation. borrower has flexibility in terms of how the funds are used.
- Lower interest rates: Personal loans often have lower interest rates compared to credit cards or other high-interest borrowing options. This can save the borrower money over the life of the loan.
- Fixed repayment schedule: Personal loans typically have a fixed repayment schedule, which means the borrower knows exactly how much they need to pay each month and for how long. This can make budgeting and financial planning easier.
- No collateral required: Personal loans are usually unsecured, meaning no collateral or assets are required to obtain the loan. This makes it a more accessible option for individuals who may not own valuable assets.
- Improve credit score: Consistently making on-time payments towards a personal loan can help improve a borrower's credit score. This can make it easier to qualify for future credit or loans at better interest rates.
- Quick processing time: Personal loans often have a quick application and approval process, especially when compared to other types of loans. This can be beneficial in financial emergencies or when there is a need for immediate funds.
It is important to note that while personal loans can have several benefits, it is essential to choose the right loan amount and interest rate that aligns with one's financial situation and repayment capacity.
Dropline Overdraft Facility: Empower Your Financial Flexibility
The Dropline overdraft facility is a financial tool that ingeniously merges the best attributes of a term loan and an overdraft, offering you an unparalleled solution that's both flexible and cost-effective. Here's why it's a game-changer:
1. Limit Reduction and Interest Efficiency: This unique facility empowers you by steadily reducing your borrowing limit each month, similar to a term loan's structured approach. However, the beauty lies in the fact that you're only charged interest on the amount you've actually utilized. This means you're not burdened with interest on idle funds, making it a financially efficient choice.
2. Versatile Use: Unlike term loans, which are ideal for clearly defined purposes like machinery acquisition, the Dropline overdraft is your go-to solution when you require financial flexibility. It's perfect for situations where your funding needs lack a specific end-use or serve as a safety net for unexpected contingencies and financial emergencies.
3. Operational Mechanism: Let's break it down. Imagine you've been granted a credit limit of INR 120 lakhs over a 120-month period. Each month, INR 1 lakh (calculated as INR 120 lakhs divided by 120 months) is deducted from your drawing power. You're only liable to pay interest on the funds you've actively utilized, which is a key advantage of this facility. Additionally, it's often backed by collateral, offering you an extra layer of financial security.
The Dropline overdraft facility is designed to provide you with greater control over your finances, ensuring you're not paying interest on unused capital. It's a valuable tool for managing your financial needs with precision and efficiency.
Smart Home Loans: Your Way to Financial Empowerment
Shubham Advisors offers smart home loans, providing a unique opportunity to realize your dream home while taking control of your financial well-being. Here's how it works:
1. Affordable Living: With Shubham Advisors Smart Home Loans, you can optimize your financial strategy. Depending on the savings you put into your Smart Home account, you can reduce the interest paid and shorten the loan tenure.
2. Interest Reduction: By utilizing your Shubham Advisors Smart Home account, you can significantly reduce the amount of interest paid on your loan, making homeownership more cost-effective.
3. Quicker Ownership: With the reduced interest burden, you can pay off your home loan faster, achieving homeownership in less time.
4. Tailored Financing: Shubham Advisors Smart Home Loans provide flexible financing options tailored to your financial needs. Whether you're looking to buy your first home or make strategic financial decisions, these loans offer a smart solution.
With Shubham Advisors Smart Home Loans, you not only secure your dream home but also gain financial empowerment, paving the way to a brighter future.
Unlock Financial Flexibility with Overdraft Facility
The Overdraft Facility is your key to financial freedom, backed by the security of your property, shares, and mutual funds as collateral. Here's how it can empower your financial journey:
1. Flexible Access to Funds: An overdraft facility allows you to access and withdraw money from your account up to the approved limit. It operates like a pre-approved loan, where interest is charged solely on the amount you utilize. This makes it a highly versatile and cost-effective financial solution.
2. Short-Term Cash Flow Resolution: Overdraft facilities are particularly beneficial for self-employed entrepreneurs and businessmen who may encounter short-term cash flow challenges. Whether it's covering immediate expenses or seizing a time-sensitive opportunity, this facility provides the liquidity you need.
3. Interest Efficiency: The interest rate for your overdraft loan is calculated based on the amount of overdraft you use. This daily calculation ensures that you're only charged for the funds you actively utilize. At the end of each month, the billed amount reflects your actual usage, making it a precise and cost-efficient choice.
The Overdraft Facility is a powerful financial tool that offers you quick and convenient access to funds when you need them most. It's designed to support your financial endeavors and provide you with the freedom to address immediate financial challenges with confidence.
Cash Credit Facility: Empowering Short-Term Financing
A Cash Credit (CC) facility is your key to short-term financing for your company. In essence, it's a short-term loan provided by a bank, enabling your company to access funds from your bank account without maintaining a credit balance. Here's how it can supercharge your financial flexibility:
1. On-Demand Financing: Cash Credit is your on-demand financial resource. It allows your company to make withdrawals from your bank account up to the approved borrowing limit without the need for a constant credit balance. This means you have the financial freedom to cover immediate expenses without delay.
2. Working Capital Support: This facility is a critical source of working capital financing. It provides your company with the peace of mind of not having to fret over liquidity issues. Whether it's managing day-to-day operational costs or seizing time-sensitive opportunities, Cash Credit ensures you're equipped to handle it all.
3. Interest Efficiency: One of the standout features of Cash Credit is its cost-effectiveness. Interest is charged solely on the amount you utilize, reducing the overall financing cost for your company. The interest is calculated daily and billed at the end of each month, ensuring precision and transparency.
4. Collateral Support: Cash Credit is often secured using assets like stocks, fixed assets, or property as collateral, providing an extra layer of security for both the borrower and the lender.
Typically granted for a maximum period of 12 months, Cash Credit is a lifeline for your short-term financing needs. It offers you the financial flexibility and peace of mind to navigate your company's financial journey with confidence.
HOME LOAN
Introduction : Welcome to our home loan services in India, where we strive to make your dream of owning a home a reality. Our flexible and competitive home loan options are designed to suit your needs, offering you the financial support you require to purchase your dream property. With attractive interest rates, flexible repayment terms, and personalized assistance throughout the process, we are committed to helping you navigate the journey of homeownership with ease. Whether you’re a first-time buyer or looking to upgrade your current home, our dedicated team is here to guide you every step of the way. Take the first step towards your dream home with our reliable and trusted home loan solutions in India.”
Benefits of Home loan
- Homeownership: One of the primary benefits of a home loan is that it allows individuals to become homeowners. Instead of paying rent, you can invest in a property and build equity over time.
- Financial leverage: Home loans provide an opportunity to leverage your finances. By borrowing money to purchase a home, you can benefit from the potential appreciation of the property value over time.
- Tax advantages: As per IT act, home loan interest and principal payments for repayment of loan are tax-deductible up to certain extent. This can result in significant tax savings, reducing your overall tax liability.
- Flexibility in repayment: Home loans typically offer flexible repayment options, We can guide you to choose a repayment term that suits your financial situation. This flexibility can help manage monthly cash flow effectively at your end in long run.
- Potential for Re -booking: If interest rates decrease or your financial situation improves, We can give you options to switch your home loan at lower rate of interest. Which can potentially lower your monthly payments and interest cost or allow you to access additional funds for other purposes.
- Building credit history: Consistently making timely payments on your home loan can help establish and improve your credit history, which can be beneficial for future borrowing needs.
- Investment opportunity: Owning a home can also be seen as an investment opportunity. If the property value appreciates over time, you may be able to sell it at a higher price, potentially generating a profit, also on additional property you may generate rent simultaneously.
UNSECURED BUSINESS LOAN
Introduction: Welcome to our unsecured business loan services, where we understand the unique financial needs of businesses like yours. Our goal is to provide you with a simple and effective solution to fuel your business growth without the need for collateral for short term and also for long term. With our unsecured business loans, you can access the funds you need quickly and conveniently, allowing you to seize opportunities, expand operations, or manage cash flow effectively. Our competitive interest rates, flexible repayment terms, and streamlined application process make obtaining the funds you need hassle-free. Whether you’re a small startup or an established business, our dedicated team is here to support your financial goals and help your business thrive. Experience the freedom and flexibility of an unsecured business loan tailored to your specific needs.
BENEFITS
- No collateral required: Unlike secured loans that require collateral, unsecured loans do not require any asset to be pledged as security. This means you don’t have to risk losing your property or assets if you default on the loan. Along with additional loans are availed for customers who have already availed a loan with collateral,
- Quick and convenient: Unsecured loans typically have a faster approval process compared to secured loans. Since there is no need for collateral evaluation, the application and approval process can be instant and quicker, allowing you to access funds when you need them.
- Flexibility in repayment: Unsecured loans provide flexibility in repayments. Whether you need to repay the same at your ease, can be availed in Term Loan form or in the form of drop line Overdraft. you can use the loan for various purposes as per your business requirements.
- Lower risk for borrowers: As a borrower, unsecured loans carry less risk compared to secured loans. Since there is no collateral involved, your personal assets are not at stake. This can provide peace of mind and financial security.
- Build credit history: Taking out and repaying an unsecured loan responsibly can help build or improve your credit history. Timely payments can positively impact your credit score, making it easier to qualify for future loans or credit cards with better terms and interest rates.
- No appraisal or valuation required: Unlike secured loans that often require property appraisals or valuations, unsecured loans do not involve these additional costs and processes on valuation. This can save your time during the loan application process.
- Suitable for various credit profiles: Unsecured loans are available to businesses with different credit profiles, including those with good credit, fair credit, or even limited credit history. Lenders consider various factors beyond collateral, such as income margin, stability/ vintage, business trends, and creditworthiness.
It’s important to note that unsecured loans typically have higher interest rates compared to secured loans, as lenders bear a higher risk. Additionally, loan terms and eligibility criteria may vary depending on the lender and your creditworthiness. It’s advisable to carefully consider your financial situation and compare loan offers before making a decision.
COMMERCIAL LOAN
Welcome to the world of commercial lending, where innovative opportunities for growth and success await. Whether you’re a small business owner looking to expand or an entrepreneur with a groundbreaking idea, we’re here to turn your dreams into reality.
At SHUBHAM ADVISORS , we understand that securing the right financing is vital for your commercial endeavors. That’s why we’ve developed a streamlined and easy-to-understand approach to commercial loans. Our goal is to empower you with the financial resources you need to fuel growth, seize new opportunities, and elevate your business to new heights.
What makes us different is our strong commitment to innovation. We pride ourselves on staying ahead of the curve, constantly seeking out unique solutions to meet the evolving needs of our clients. Our team of experienced professionals will work closely with you to understand your vision and tailor a loan package that suits your specific requirements.
We believe that obtaining a commercial loan should be a straightforward and transparent process. With our user-friendly application process, you can expect efficiency and clarity every step of the way. No more complicated paperwork or confusing jargon – we’re here to simplify your journey towards financial success.
But our relationship with you doesn’t end once the loan is secured. We view ourselves as more than just banker; we’re strategic partners invested in your success. Our team will be there to offer ongoing support, guidance, and expertise to ensure that your investment thrives.
So, say goodbye to financial roadblocks and hello to a world of endless possibilities. Choose SHUBHAM ADVISORS for an easy-to-understand and innovative commercial loan experience that empowers you to conquer your ambitions. Let’s embark on this exciting journey together!
BENEFITS
There are several benefits of commercial loans for businesses, including:
- Access to large sums of capital: Commercial loans offer businesses the ability to borrow large amounts of money, which can be used for expanding operations, purchasing equipment or inventory, or investing in real estate.
- Flexibility in use of funds: Unlike some other types of loans, commercial loans allow businesses the flexibility to use the borrowed funds for various purposes, depending on their specific needs and goals.
- Longer loan terms: Commercial loans typically have longer repayment terms compared to other types of loans, which can help businesses manage their cash flow and make affordable monthly payments over a longer period of time.
- Lower interest rates: Commercial loans often have lower interest rates compared to other forms of financing, making them an attractive option for businesses looking to borrow money at a lower cost.
- Build credit history: Taking out and repaying a commercial loan can help businesses build a positive credit history, which can make it easier to secure future financing at more favorable terms.
- Retain ownership and control: Unlike equity financing (such as selling shares of stock), commercial loans allow businesses to maintain ownership and control of their operations as they repay the loan.
- Tax benefits: The interest paid on commercial loans is generally tax-deductible, which can help businesses reduce their overall tax liability.
- Quick access to funds: Commercial loans can often be processed and approved relatively quickly, allowing businesses to access the funds they need in a timely manner.
Overall, commercial loans provide businesses with the necessary capital to grow and expand their operations, while offering flexibility, favorable terms, and potential tax benefits.
LOAN AGAINST PROPERTY
Welcome to our lending services! Are you in need of quick and reliable financial assistance? We understand that sometimes, unexpected expenses or financial obligations can arise, leaving you in need of additional funds. That’s where our loan against property option comes in. Offering a simple yet effective solution, our loan against property allows you to leverage the value of your property to access the funds you require. With flexible repayment options and competitive interest rates, our loan against property is designed to tailor to your specific needs. Whether you’re looking to invest in a new business venture, consolidate debts, or finance a major expense, our loan against property can provide you with the necessary financial support. Let us help turn your property into the key to unlocking your financial goals. As such, your valuable property stands tall as a secure pillar for the loan, graciously allowing you to keep utilizing it just as you always have.
BENEFITS
- Higher loan amount: Loan against property allows you to borrow a higher loan amount compared to other types of loans such as personal loans or gold loans. This is because the loan is secured against the property, providing the lender with a greater level of assurance.
- Lower interest rates: Loan against property generally comes with lower interest rates compared to unsecured loans like personal loans. This is because the lender has the property as collateral, reducing the risk associated with the loan.
- Longer repayment tenure: Loan against property offers longer repayment tenure compared to other types of loans. This helps in spreading out the repayment over a longer period, making it more affordable and manageable.
- Flexibility in usage: The funds obtained through a loan against property can be used for various purposes such as financing business expansion, funding higher education, meeting medical expenses, consolidating debts, or other personal needs. There are no restrictions on the end-use of the funds.
- Quick approval process: Loan against property usually has a quick approval process compared to other types of loans. This is because the property acts as collateral, providing the lender with security and reducing the time required for approval and processing.
- Improving credit score: By taking a loan against property and repaying it on time, you can improve your credit score. Timely repayments and responsible handling of the loan can have a positive impact on your credit history and creditworthiness.
- Lower EMIs: Loan against property offers the advantage of lower equated monthly installments (EMIs) compared to other types of loans. This makes repayment more affordable and manageable for the borrower.
HASSLE-FREE HOME LOAN BALANCE TRANSFER AT SHUBHAM ADVISORS
Are you burdened by high-interest rates on your existing home loan? Do you want to save more and reduce your monthly payments? Shubham Advisors offers an effortless solution – Home Loan Balance Transfer.
BENEFITS
There are several benefits of balance transfers, including:
- Lower interest rates: One of the primary reasons people opt for balance transfers is to take advantage of lower interest rates. Many credit card companies offer introductory promotional rates, sometimes as low as 0%, for a designated period of time. This can help save money on interest payments and allow individuals to pay off their debt faster.
- Consolidation of debt: Balance transfers allow individuals to consolidate multiple debts into one, making it easier to manage their finances. Instead of having multiple payments to make each month, they only need to focus on one payment.
- Cost savings: By transferring a high-interest credit card balance to a lower interest rate card, individuals can save money on interest charges over time. This can result in significant savings, especially for those with a large outstanding balance.
- Simplify monthly payments: Consolidating debts through a balance transfer can simplify monthly payments. Instead of juggling multiple due dates and minimum payment amounts, individuals only need to make one payment each month, making it easier to budget and manage their finances.
- Potential for improved credit score: By consolidating debts and making consistent on-time payments, individuals can improve their credit score. A higher credit score can lead to better borrowing terms and lower interest rates in the future.
- Debt payoff acceleration: With lower interest rates and potentially reduced monthly payments, individuals can pay off their debt faster. This can help individuals achieve financial freedom sooner and reduce the overall amount of interest paid over time.
LOAN BALANCE TRANSFER WITH TOP-UP
Experience financial relief and access extra funds by opting for our Loan Balance Transfer with Top-Up. This option allows you to slash high-interest rates on your existing loan, resulting in substantial savings. Simultaneously, you can borrow additional funds on top of your current balance to address various financial needs without the hassle of a new loan application. Our streamlined process ensures efficiency and ease, empowering you to achieve your financial goals with confidence.
BENEFITS
There are several benefits to opting for loan balance transfer with top-up:
- Lower interest rates: One of the major benefits of a loan balance transfer with top-up is the opportunity to avail of a lower interest rate. If you are currently paying high interest on your existing loan, transferring the balance to another lender with a lower interest rate can result in significant savings over the loan tenure.
- Consolidation of debts: If you have multiple loans or debts, a loan balance transfer with top-up allows you to consolidate all your debts into a single loan. This can make it easier to manage your finances and streamline your repayments.
- Additional funds: With a top-up loan, you are eligible to borrow an additional amount on top of your existing loan balance. This can be useful if you have any immediate financial needs or if you require extra funds for any reasons like home renovation, education, wedding, or medical expenses.
- Flexibility in tenure: When opting for a loan balance transfer with top-up, you may have the opportunity to choose a longer tenure for repayment. This can help in reducing your monthly installment amounts, making it more affordable and manageable for you.
- Improved credit score: If you have been regularly paying your loan installments without any defaults, a loan balance transfer with top-up can provide an opportunity to improve your credit score. By transferring your existing loan to a new lender and continuing to make timely repayments, you can demonstrate your creditworthiness and improve your credit score over time.
- Better customer service: If you are unhappy with the customer service provided by your current lender, a loan balance transfer with top-up allows you to switch to a new lender who may offer better service and more responsive customer support.
Overall, a loan balance transfer with top-up can help you save money on interest, provide additional funds, simplify debt management, and potentially improve your credit score. However, it is important to carefully consider the terms and conditions of the new loan offer, including any processing fees or hidden charges, before making a decision.
PERSONAL LOANS
Unlock financial freedom with Personal Loans—a versatile solution for covering various expenses without collateral. Whether consolidating debt, funding home improvements, or planning a dream vacation, a Personal Loan provides a lump sum with a fixed term and interest rate. Accessible online with quick approval and direct fund disbursal, it simplifies the lending process. Additionally, responsible repayment can positively impact your credit, offering future financial benefits. With competitive interest rates, Personal Loans stand out as a convenient and beneficial tool for managing diverse financial needs.
BENEFITS
There are several benefits of personal loans:
- Flexibility: Personal loans can be used for a variety of purposes, such as debt consolidation, home improvements, medical expenses or even a vacation. borrower has flexibility in terms of how the funds are used.
- Lower interest rates: Personal loans often have lower interest rates compared to credit cards or other high-interest borrowing options. This can save the borrower money over the life of the loan.
- Fixed repayment schedule: Personal loans typically have a fixed repayment schedule, which means the borrower knows exactly how much they need to pay each month and for how long. This can make budgeting and financial planning easier.
- No collateral required: Personal loans are usually unsecured, meaning no collateral or assets are required to obtain the loan. This makes it a more accessible option for individuals who may not own valuable assets.
- Improve credit score: Consistently making on-time payments towards a personal loan can help improve a borrower’s credit score. This can make it easier to qualify for future credit or loans at better interest rates.
- Quick processing time: Personal loans often have a quick application and approval process, especially when compared to other types of loans. This can be beneficial in financial emergencies or when there is a need for immediate funds.
It is important to note that while personal loans can have several benefits, it is essential to choose the right loan amount and interest rate that aligns with one’s financial situation and repayment capacity.
Dropline Overdraft Facility: Empower Your Financial Flexibility
The Dropline overdraft facility is a financial tool that ingeniously merges the best attributes of a term loan and an overdraft, offering you an unparalleled solution that’s both flexible and cost-effective. Here’s why it’s a game-changer:
1. Limit Reduction and Interest Efficiency: This unique facility empowers you by steadily reducing your borrowing limit each month, similar to a term loan’s structured approach. However, the beauty lies in the fact that you’re only charged interest on the amount you’ve actually utilized. This means you’re not burdened with interest on idle funds, making it a financially efficient choice.
2. Versatile Use: Unlike term loans, which are ideal for clearly defined purposes like machinery acquisition, the Dropline overdraft is your go-to solution when you require financial flexibility. It’s perfect for situations where your funding needs lack a specific end-use or serve as a safety net for unexpected contingencies and financial emergencies.
3. Operational Mechanism: Let’s break it down. Imagine you’ve been granted a credit limit of INR 120 lakhs over a 120-month period. Each month, INR 1 lakh (calculated as INR 120 lakhs divided by 120 months) is deducted from your drawing power. You’re only liable to pay interest on the funds you’ve actively utilized, which is a key advantage of this facility. Additionally, it’s often backed by collateral, offering you an extra layer of financial security.
The Dropline overdraft facility is designed to provide you with greater control over your finances, ensuring you’re not paying interest on unused capital. It’s a valuable tool for managing your financial needs with precision and efficiency.
Smart Home Loans: Your Way to Financial Empowerment
Shubham Advisors offers smart home loans, providing a unique opportunity to realize your dream home while taking control of your financial well-being. Here’s how it works:
1. Affordable Living: With Shubham Advisors Smart Home Loans, you can optimize your financial strategy. Depending on the savings you put into your Smart Home account, you can reduce the interest paid and shorten the loan tenure.
2. Interest Reduction: By utilizing your Shubham Advisors Smart Home account, you can significantly reduce the amount of interest paid on your loan, making homeownership more cost-effective.
3. Quicker Ownership: With the reduced interest burden, you can pay off your home loan faster, achieving homeownership in less time.
4. Tailored Financing: Shubham Advisors Smart Home Loans provide flexible financing options tailored to your financial needs. Whether you’re looking to buy your first home or make strategic financial decisions, these loans offer a smart solution.
With Shubham Advisors Smart Home Loans, you not only secure your dream home but also gain financial empowerment, paving the way to a brighter future.
Unlock Financial Flexibility with Overdraft Facility
The Overdraft Facility is your key to financial freedom, backed by the security of your property, shares, and mutual funds as collateral. Here’s how it can empower your financial journey:
1. Flexible Access to Funds: An overdraft facility allows you to access and withdraw money from your account up to the approved limit. It operates like a pre-approved loan, where interest is charged solely on the amount you utilize. This makes it a highly versatile and cost-effective financial solution.
2. Short-Term Cash Flow Resolution: Overdraft facilities are particularly beneficial for self-employed entrepreneurs and businessmen who may encounter short-term cash flow challenges. Whether it’s covering immediate expenses or seizing a time-sensitive opportunity, this facility provides the liquidity you need.
3. Interest Efficiency: The interest rate for your overdraft loan is calculated based on the amount of overdraft you use. This daily calculation ensures that you’re only charged for the funds you actively utilize. At the end of each month, the billed amount reflects your actual usage, making it a precise and cost-efficient choice.
The Overdraft Facility is a powerful financial tool that offers you quick and convenient access to funds when you need them most. It’s designed to support your financial endeavors and provide you with the freedom to address immediate financial challenges with confidence.
Cash Credit Facility: Empowering Short-Term Financing
A Cash Credit (CC) facility is your key to short-term financing for your company. In essence, it’s a short-term loan provided by a bank, enabling your company to access funds from your bank account without maintaining a credit balance. Here’s how it can supercharge your financial flexibility:
1. On-Demand Financing: Cash Credit is your on-demand financial resource. It allows your company to make withdrawals from your bank account up to the approved borrowing limit without the need for a constant credit balance. This means you have the financial freedom to cover immediate expenses without delay.
2. Working Capital Support: This facility is a critical source of working capital financing. It provides your company with the peace of mind of not having to fret over liquidity issues. Whether it’s managing day-to-day operational costs or seizing time-sensitive opportunities, Cash Credit ensures you’re equipped to handle it all.
3. Interest Efficiency: One of the standout features of Cash Credit is its cost-effectiveness. Interest is charged solely on the amount you utilize, reducing the overall financing cost for your company. The interest is calculated daily and billed at the end of each month, ensuring precision and transparency.
4. Collateral Support: Cash Credit is often secured using assets like stocks, fixed assets, or property as collateral, providing an extra layer of security for both the borrower and the lender.
Typically granted for a maximum period of 12 months, Cash Credit is a lifeline for your short-term financing needs. It offers you the financial flexibility and peace of mind to navigate your company’s financial journey with confidence.