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What is a Business Hybrid Term Loan benefits?

A business loan allows you to avail of finances for the working capital requirements of your business. However, if you’re unsure of the total loan amount that you may need for your business, you can avail of a Hybrid Term business loan. A business Hybrid Term Loan allows you to borrow funds from a pre-determined loan amount for your emergency business requirements.

With Tata Capital, you can get an Hybrid Term Loan for business of up to Rs. 90 lakhs at an affordable interest rate. You can withdraw funds from this business Hybrid Term Loan amount based on your requirements, and the interest would be charged only on the amount used by you. You can apply for a business Hybrid Term Loan by submitting minimum documents through an easy online process.

  • Loan Amount

    ₹ 40,000 to ₹ 90 Lakhs

  • Loan Tenure

    12 months to 60 months

  • Interest rate starting @

    12% p.a.* onwards (professional),

    14% p.a.* onwards (non-professionals)

    View Rates & Charges

Advantages of Business Hybrid Term Loan

A High Loan amount

By availing of Tata Capital’s Hybrid Term Loan for business, you can get a loan amount of up to Rs. 90 lakhs. You can withdraw from this loan amount anytime to meet the urgent financial requirements of your business. 

Flexible Tenure

You can choose to repay the amount you borrow from your business loan Hybrid Term Loan amount in a convenient repayment tenure. Our business Hybrid Term Loan tenure may range between 12 months and 60 months.

Fixed Cum Hybrid Term Loan

At Tata Capital, we provide a fixed-cum-dropline business Hybrid Term Loan. This will help you in reducing your overall borrowing costs. By getting a fixed line facility of up to 24 months, you can pay only the interest amount during the fixed line period.

No Collateral Required

We won’t ask you to submit any additional collateral or security for providing you with a business Hybrid Term Loan. You can get an Hybrid Term Loan for business without putting your valuable assets on the line.

Quick Approvals and Faster Disbursals

We provide quick approvals for Hybrid Term business loan applications. It means that you don’t have to wait for long to get access to your business’ working capital. Moreover, we ask for minimum documentation for providing an Hybrid Term Loan for business.

Why Should You Apply for a Business Hybrid Term Loan?

You can apply for business Hybrid Term Loan from the convenience of your home or office. Here are a few reasons why you should take an Hybrid Term Loan for business:

Flexibility to Withdraw and Repay

By availing of a business Hybrid Term Loan, you will have the flexibility to withdraw funds from a fixed loan amount of up to Rs. 90 lakhs. You can withdraw any amount from this loan amount and for any number of times during the tenure of your Hybrid Term Loan for business.

Save Interest Cost

When you withdraw funds from your business Hybrid Term Loan amount , the interest would be charged only on the amount drawn by you and not on the entire loan amount . Your interest will be calculated daily, but you’ll have to pay it only after the end of every month.

No fixed EMI and Prepayment Charges

With an Hybrid Term Loan for business, you won’t have to face the hassles of paying fixed EMIs every month. Moreover, you can make prepayments on your Hybrid Term Loan business loan account any number of times without incurring any prepayment charges.

Virtual Loan Account

You can withdraw and deposit funds from an easy-to-operate virtual loan account. This will act like a current business account and will be based on an online model.

What are the Eligibility Criteria for a Business Hybrid Term Loan?

At Tata Capital, we ask only for some basic documentation and simple eligibility requirements for providing an Hybrid Term Loan for business. Below are our business Hybrid Term Loan eligibility criteria that you need to fulfill:

  • Your age should be at least 21 years at the time of loan application and a maximum of 65 years at the time of last EMI

  • Your business must be profitable for at least the last three financial years

  • Your business turnover must indicate an upward trend

  • Your balance sheet must be audited by a registered Chartered Accountant

    • Please note that we may ask for some other eligibility requirements as well. 

How to Apply for a Tata Capital Business Hybrid Term Loan?

  • Branch

    You can visit your nearest Tata Capital branch and get in touch with one of our executives there. They will guide you through the entire application process

    Locate a Branch
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What our customers say about us

If it's TATA, you just keep doing things the way TATA does.

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Business Loan | 11 Jan, 2025

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