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Lendingkart Se Business Loan Kaise Milega? — Poori Sach-Sachchi Guide 2024
Agar aap apne business ke liye Lendingkart pe loan apply karna chahte hain, toh pehle poori picture samajhna zaroori hai — eligibility se lekar approval tak. GoCredit pe aap Lendingkart ke saath 100+ aur lenders bhi compare kar sakte hain — bilkul free mein, sirf 60 seconds mein.
Lendingkart Kya Hai Aur Ye Kaam Kaise Karta Hai?
Lendingkart ek leading online NBFC (Non-Banking Financial Company) hai jo specifically small aur medium businesses ke liye Business Loans provide karta hai. Ye traditional banks jaise lambi queues aur stack bhar documents nahi maangta — iska poora process digital hai.
Lendingkart ka model simple hai: aap online apply karte ho, wo aapki business profile, bank statements aur credit score analyze karta hai, aur phir loan offer deta hai. Loan amount generally ₹50,000 se lekar ₹2 Crore tak hota hai, aur tenure 1 month se 36 months tak ho sakta hai.
Lekin ek important baat — Lendingkart sirf ek lender hai. Iska matlab hai ki aap sirf ek option dekh rahe ho. Interest rates, processing fees aur repayment terms mein kaafi variation hoti hai across different lenders. Isliye smart borrowers pehle compare karte hain, phir apply karte hain.
- ✅100% Digital Process
- ✅Loan ₹50K se ₹2 Cr tak
- ✅Tenure: 1 se 36 months
- ✅NBFC — RBI Registered
- ✅Fast Disbursal: 3 working days tak
Lendingkart Business Loan Ke Liye Eligibility Kya Hai?
Lendingkart pe apply karne se pehle ye check karo ki aap eligible ho ya nahi. Agar eligibility match nahi hui, toh application reject ho jaayegi aur aapki Credit Score pe unnecessary hard inquiry pad jaayegi — jo future loans ke liye nuqsaan kar sakti hai.
Lendingkart ki basic eligibility conditions kuch is tarah hain: aapka business kam se kam 6 months purana hona chahiye, aur minimum annual turnover ₹90,000 ya usse zyada honi chahiye. Applicant ki age 21 se 65 saal ke beech honi chahiye. Aapke paas GST registration hona helpful hota hai, aur CIBIL Score preferably 650+ hona chahiye — though Lendingkart kuch cases mein lower score waalon ko bhi consider karta hai.
Pro Tip: Agar aapka CIBIL Score abhi thoda low hai ya business nayi hai, toh GoCredit pe check karo — wahan aapke profile ke liye alternative lenders bhi available hain jo aapko better terms pe loan de sakten hain.
- ✅Business age: minimum 6 months
- ✅Annual Turnover: ₹90,000+
- ✅Age: 21-65 years
- ✅CIBIL Score: 650+ preferred
- ✅GST Registration: helpful but not always mandatory
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GoCredit ka AI Loan Agent 100+ lenders mein se aapke liye sabse sasta loan dhundhta hai — bas 60 seconds mein. Free mein check karo.
GoCredit App Download करें →Lendingkart Pe Apply Karne Ke Liye Kaun Se Documents Chahiye?
Documents ka process Lendingkart pe relatively simple hai compared to traditional banks. Phir bhi, sab kuch ready rakhna zaroori hai taaki application smooth rahe aur delay na ho. Galat ya incomplete documents loan rejection ka sabse common reason hota hai.
Lendingkart ke liye generally ye documents chahiye hote hain: KYC documents mein Aadhaar Card aur PAN Card mandatory hain — dono applicant aur business ke liye. Business proof ke liye GST Certificate, Shop & Establishment Certificate ya udyam registration kaam aata hai. Financial documents mein last 6 mahine ki bank statements aur agar available ho toh ITR (Income Tax Returns) bhi submit karne padenge.
Ek important cheez — agar aap proprietorship chalate ho toh documents set thoda different hoga compared to partnership firms ya Private Limited companies. Isliye apply karne se pehle apne business structure ke hisaab se document checklist confirm kar lena.
- ✅Aadhaar Card + PAN Card (personal & business)
- ✅Last 6 months Bank Statements
- ✅GST Certificate / Udyam Registration
- ✅Business Proof (Shop Act / Certificate of Incorporation)
- ✅ITR (if available — last 1-2 years)
Lendingkart Pe Step-by-Step Apply Kaise Karte Hain?
Lendingkart pe apply karna actually kaafi straightforward hai. Poora process online hota hai aur agar documents ready hain, toh 15-20 minutes mein application submit ho jaati hai.
**Step 1 — Website Pe Jaao:** Lendingkart ki official website ya app pe jaao aur "Apply Now" button click karo.
**Step 2 — Basic Details Bharo:** Apna naam, mobile number, business type, aur required loan amount enter karo. OTP verification hoga.
**Step 3 — Business Information Dो:** Business ka naam, city, annual turnover, aur kitne saal se chal raha hai — ye sab fill karo.
**Step 4 — Documents Upload Karo:** Bank statements, KYC documents aur business proof upload karo. PDF ya clear photo format mein hona chahiye.
**Step 5 — Offer Review Karo:** Lendingkart aapko loan offer dega — interest rate, EMI aur tenure ke saath. Carefully padho pehle accept karne se pehle.
**Step 6 — eSign & Disbursal:** Agreement digitally sign karo aur 3 working days ke andar amount bank account mein aa jaata hai.
- ✅100% Online Application
- ✅OTP-based Verification
- ✅Document Upload via Mobile
- ✅Digital eSign
- ✅Disbursal in 3 Working Days
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GoCredit ka AI Loan Agent 100+ lenders mein se aapke liye sabse sasta loan dhundhta hai — bas 60 seconds mein. Free mein check karo.
GoCredit App Download करें →Lendingkart Ki Interest Rate Aur Fees — Poori Sachchi Baat
Ye section bahut zaroori hai kyunki zyaadatar log sirf "loan mil gaya" pe focus karte hain aur baad mein EMI aur total repayment amount dekh ke shock hote hain.
Lendingkart ki interest rates generally 12% se 27% per annum tak hoti hain — lekin ye aapke CIBIL Score, business vintage, turnover aur loan amount pe depend karta hai. Processing fee typically 2% to 3% hoti hai loan amount ki, jo disbursement ke time deduct ho jaati hai. Prepayment charges bhi hoti hain agar aap loan jaldi close karna chahte ho.
Example: Agar aapne ₹5 Lakh ka loan 18% annual rate pe 24 months ke liye liya, toh aapki EMI lagbhag ₹24,960 hogi aur total repayment ₹5.99 Lakh ke aaspaas hogi — matlab ₹99,000 interest mein gaye.
Isliye compare karna itna important hai. Sirf 2-3% ka farq annual rate mein hazaaron rupaye ka difference bana sakta hai total repayment mein.
- ✅Interest Rate: 12% - 27% p.a.
- ✅Processing Fee: 2% - 3%
- ✅Prepayment Charges: applicable
- ✅No Collateral Required
- ✅EMI via Auto-debit
💡
GoCredit ka AI Loan Agent 100+ lenders mein se aapke liye sabse sasta loan dhundhta hai — bas 60 seconds mein. Free mein check karo.
GoCredit App Download करें →Sirf Lendingkart Kyun Nahi? GoCredit Se Smart Choice Karo
Lendingkart ek achha lender hai — ismein koi doubt nahi. Lekin financial decisions mein "sirf ek option dekhna" kabhi bhi smart nahi hota. Sochte hain ek real scenario:
Aapne Lendingkart pe apply kiya aur 22% interest rate pe loan offer mila. Aapne accept kar liya. Lekin agar aap GoCredit pe check karte, toh ho sakta tha koi aur lender 16% pe offer karta — same loan amount pe, same tenure pe. ₹5 Lakh ke loan pe ye difference lagbhag ₹18,000-₹22,000 ka savings hota hai!
GoCredit ka AI Loan Agent exactly yahi karta hai — aapki profile ke basis pe 100+ lenders ko instantly scan karta hai aur sabse sasta, sabse suitable loan option suggest karta hai. Na koi hidden charges, na koi sales pressure — bas data-driven recommendation.
Aur sabse badi baat — ye bilkul FREE hai. Aapki Credit Score pe koi impact nahi padta check karne se. Toh apply karne se pehle ek baar zaroor compare karo.
- ✅100+ Lenders Ek Saath Compare
- ✅AI-Powered Matching — Aapki Profile Ke Liye
- ✅Zero Fee to Check
- ✅No Credit Score Impact
- ✅60 Seconds Mein Result
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GoCredit ka AI Loan Agent 100+ lenders mein se aapke liye sabse sasta loan dhundhta hai — bas 60 seconds mein. Free mein check karo.
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अक्सर पूछे जाने वाले सवाल (FAQ)
Personal loan लेने के लिए minimum CIBIL score कितना चाहिए?
ज़्यादातर banks 650+ CIBIL score माँगते हैं, लेकिन कई fintech lenders flexible eligibility criteria रखते हैं। GoCredit का AI Loan Agent आपके exact profile पर eligible lenders ढूंढता है।
Personal loan कितने दिन में मिलता है?
Fintech lenders से minutes में, NBFCs से 24 hours में, और banks से 2-5 दिन में। GoCredit पर fastest options सबसे पहले दिखते हैं।
Interest rate कितनी होती है?
10.49% से 36% — CIBIL score, salary, और lender पर depend करता है। GoCredit सबसे कम rate वाले lenders match करता है।
कौन से documents ज़रूरी हैं?
PAN card, Aadhaar, salary slips, bank statement, photo। कई fintech lenders सिर्फ PAN + Aadhaar से काम चला लेते हैं।
Salary कम है तो loan मिलेगा?
₹10,000 salary पर भी lenders available हैं। GoCredit AI आपकी salary पर eligible lenders match करता है।
Apply करने से CIBIL score कम होता है?
GoCredit की eligibility check soft enquiry है — score पर कोई असर नहीं। Hard enquiry सिर्फ actual application पर होती है।
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