Long Term Business Loan Service

Service Details

Secure the future of your enterprise with Blink Finance's strategic Long-Term Business Loans. Specifically designed for capital-intensive needs, our term loans provide high-value funding with extended repayment periods of up to 10 years. Whether you are funding an industrial project, acquiring commercial property, or expanding your manufacturing plant, we provide the low-interest capital you need to grow without pressure. Detailed Service Description Long-term loans are the backbone of sustainable business growth. At Blink Finance, we specialize in Debt Syndication for term loans ranging from ₹1 Crore to ₹100+ Crores. We handle the entire process—from preparing a bank-grade Detailed Project Report (DPR) to expert liaison with over 50+ nationalized and private banks. Key Use Cases: Business Expansion: Setting up new branches, offices, or manufacturing units. Commercial Real Estate: Purchasing land or building for industrial use. Debt Restructuring: Consolidating high-interest short-term debts into manageable long-term EMIs. Asset Acquisition: Funding high-value infrastructure and heavy machinery. Eligibility Criteria Entity Profile: Private Ltd, Public Ltd, Partnership firms, and LLPs with a stable track record. Vintage: Minimum 3–5 years of active business operations. Financial Stability: Consistent growth in turnover and net profit over the last 3 financial years. Creditworthiness: Promoter CIBIL score of 725+ and a healthy Credit Monitoring Arrangement (CMA) report. Collateral: Usually requires primary security (the asset being funded) and/or collateral security (property/liquid assets). ROI & Tenure Details Interest Rate (ROI): 8.25% to 11.50% p.a. (Based on project risk and credit rating). Loan Tenure: 5 to 10 Years (Including a moratorium period where applicable). Funding Amount: ₹50 Lakhs to ₹100+ Crores. Processing Fee: 0.50% to 1.25% of the sanctioned amount. List of Required Documents Corporate KYC: MOA/AOA, COI, Partnership Deed, GST, and Udyam Registration. Financial History: Last 3 years of Audited Balance Sheets, P&L accounts, and Audit Reports. Banking History: Last 12 months' statements for all active business and director accounts. Income Tax: ITR for the last 3 years with computation of income. Project Documents: Detailed Project Report (DPR), CMA Data, and quotations for the proposed investment. Property Documents: Copy of title deeds for the property being offered as collateral.