Chandra Credit Ltd. Is one of the trade finance experts who has been in the business for almost two decades and has come a long way after beginning its journey perhaps in one of the tough and challenging times. They provide various trade finance which include Letter of Credit, Standby Letter of Credit, Bank Guarantee, Project Funding, Project Finance and invoice discounting. Chandra Credit Ltd. has been in the business for almost two decades and has come a long way after beginning its journey perhaps in one of the tough and challenging times. We help our patrons to find perfect solutions for fund requirements with professional excellence. We are dedicated to delivering our best on our job with complete focus and reliability. Looking for a financial advisor in Noida? We at Chandra Credit Limited offer a wide range of Trade finance services, including trade import finance, project funding and Co-operate finance services In India and also at Multiple Global Locations Canada,UK,US,South Africa,Malaysia,Singapore,Ghana.
Chandra Credit Limited?
The Best Financial Consultant in India
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Ready To Grow? Discover The Benefits Of Project Finance For Your Business!
Services offer by Us
We as financial consultant in Noida offer these services
Trade Finance
Letter of credit , Bank Gaurantee , SBLC , Export Finance
Project Finance
Financing large infrastructure , Hotels , healthcare , Education , logistics projects with a mix of debt & equity
Private Equity
Arranging Equity for profitable business through investors spread across the globe
Business Advisory
Consulting before seeking investments or debt for your business can help you navigate your business smoothly .
What is a Term Loan?
A Term Loan is a type of financing provided by banks or financial institutions where the borrower receives a lump sum amount upfront and agrees to repay it in regular installments over a predetermined period. These loans are typically used to finance capital expenditures, expand business operations, or meet long-term financial needs.
Term loans can be classified into:
- Short-term loans (up to 1 year)
- Medium-term loans (1 to 5 years)
- Long-term loans (above 5 years)
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Key Features of Term Loans
- Floating Interest Rate: The loan may carry a fixed interest rate (unchanged during the tenure) or a floating rate (linked to market rates).
- Scheduled Repayments: Monthly or quarterly repayment schedule, including principal and interest.
- Collateral Requirement: Usually secured by assets like property, equipment, or receivables.
- Collateral Requirement: Usually secured by assets like property, equipment, or receivables.
- Purpose-Specific: Often granted for specific purposes like machinery purchase, construction, or project expansion.
Types of Term Loans
- Secured Term Loan: Backed by collateral like real estate, plant & machinery, or inventory.
- Unsecured Term Loan: No collateral required, generally offered based on creditworthiness.
- Bullet Loan: Only interest is paid during the term, and principal is repaid at the end.
- Balloon Payment Loan: Smaller payments during the term and one large payment at the end.
Benefits of a Term Loan
Lump Sum Funding
Immediate access to capital for expansion or asset purchase
Fixed Repayment Schedule
Makes budgeting and financial planning easier
Credit Building
Regular repayments help improve the borrower's credit profile
Tax Deductible Interest
Interest paid on business term loans is usually tax-deductible
Eligibility for a Term Loan
- Registered business or entity
- Positive cash flow and financial statements
- Good credit history
- Collateral
Documents Required
- KYC Documents
- Business registration proof
- Last 3 years' financial statements
- Bank statements
- Project report or business plan
- Collateral documents
Uses of Term Loans
- Purchasing equipment or machinery
- Expanding factory or office premises
- Capital Expenditure
- Infrastructure development
- Launching new product lines or services
- Business Expansion & Diversification
How to Apply for a Term Loan through CCL
- Assess your financial need and repayment capacity
- Contact us with your receipt
- Prepare a solid business plan or project report
- Gather all required documents
- Submit the application and undergo evaluation
- Loan disbursement upon approval
Various Stages Of Project Financing
Project plan
Minimising Risk
Project Feasibility
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Contact Info
Corporate Office :- Noida One Building ,
9th floor office No - 923, Tower C,b-8,
Sector -62,Gautam Budh Nagar, (Up), India,
Pin 201309
9th floor office No - 923, Tower C,b-8,
Sector -62,Gautam Budh Nagar, (Up), India,
Pin 201309
Pune Office :- Koregaon Park , Pune 411001
Canada Office :- Parkside Village Dr, Mississauga, Ontario Canada