{"id":7603,"date":"2018-07-23T17:58:03","date_gmt":"2018-07-23T12:28:03","guid":{"rendered":"https:\/\/www.instamojo.com\/blog\/?p=7603"},"modified":"2022-10-28T21:34:00","modified_gmt":"2022-10-28T16:04:00","slug":"p2p-lending-how-to-get-a-business-loan","status":"publish","type":"post","link":"https:\/\/www.instamojo.com\/blog\/p2p-lending-how-to-get-a-business-loan\/","title":{"rendered":"P2P lending: How to get a business loan easily"},"content":{"rendered":"<p class=\"\" data-id=\"5\">Sunil Kumar, a garment trader in Surat, is in a fix. He\u2019s enterprising and wants to expand his business. But he needs a fresh infusion of funds to grow his distribution network. All his funds right now are tied up to fuel his working capital.<\/p>\n<p class=\"\" data-id=\"5\">As a result, his balance sheet doesn\u2019t show much, affecting his prospects of a bank loan. Not to mention the high-interest rates and, all the documentation. If you identify with Sunil Kumar and the challenges he is facing, this is for you. The answer to Sunil\u2019s problems lies in <strong>Peer-to-Peer (P2P) lending<\/strong>.<\/p>\n<h2 data-id=\"8\"><strong class=\"\">What is P2P lending?<\/strong><\/h2>\n<p class=\"\" data-id=\"9\">Individuals, who are looking to invest, lend money to peers or small businesses via P2P companies such as banks and Non-Banking Financial Companies (NBFCs).<\/p>\n<p class=\"\" data-id=\"9\">Online P2P lending platforms match with borrowers such as Sunil Kumar for mutually beneficial transactions. <strong>This method of debt financing is also known as &#8216;crowdlending&#8217;.<\/strong><\/p>\n<p class=\"\" data-id=\"27\"><strong class=\"\">RBI to regulate P2P lending<\/strong><\/p>\n<p data-id=\"28\">Since June 2018, P2P lending has been regulated in the country by the Reserve Bank of India. According to regulations, only a registered NBFC with a proper certificate of registration can indulge in P2P lending.<\/p>\n<p data-id=\"28\"><strong>As of January 2022, 25 NBFCs have registered themselves with the RBI to run P2P lending platforms.\u00a0<\/strong><\/p>\n<p data-id=\"28\">Here are some leading P2P lending platforms in India:<\/p>\n<ul class=\"i8Z77e\">\n<li class=\"TrT0Xe\">LenDenClub<\/li>\n<li class=\"TrT0Xe\">Faircent<\/li>\n<li class=\"TrT0Xe\">Lendingkart<\/li>\n<li>Paisa Dukaan<\/li>\n<li class=\"TrT0Xe\">i-Lend<\/li>\n<li class=\"TrT0Xe\">Rupee Circle<\/li>\n<\/ul>\n<p class=\"\" data-id=\"11\"><strong class=\"\">Why it works for lenders<\/strong><\/p>\n<ul class=\"\" type=\"disc\" data-id=\"12\">\n<li class=\"\">Lenders get a higher return on their investment as compared to a traditional investment vehicle such as a fixed deposit or mutual fund.<\/li>\n<li class=\"\">The returns are high, but so are the risks. P2P companies are putting measures in place to safeguard investments.<\/li>\n<\/ul>\n<p class=\"\" data-id=\"13\"><strong class=\"\">Why it works for borrowers\u00a0<\/strong><\/p>\n<ul class=\"\" type=\"disc\" data-id=\"14\">\n<li class=\"\">Traditional loans from a bank or NBFC come with an interest rate as high as 20%, which can cost a business dearly.<\/li>\n<li class=\"\">P2P borrowers can get a loan at a much lower interest rate.<\/li>\n<\/ul>\n<h3 data-id=\"15\"><strong class=\"\">Traditional loans come with their set of challenges<\/strong><\/h3>\n<p class=\"\" data-id=\"16\">Getting a loan from a bank is not easy for a small business. It takes time to process. Small businesses also need to provide a long list of documents to prove their creditworthiness. The chances of rejection are high. Not to forget the high-interest rates.<\/p>\n<p class=\"\" data-id=\"17\"><strong class=\"\">Application for a bank\/NBFC loan can be affected by:<\/strong><\/p>\n<ul class=\"\" data-id=\"18\">\n<li class=\"\">Weak personal credit score<\/li>\n<li class=\"\">Massive documentation<\/li>\n<li class=\"\">Ups and downs in business profitability<\/li>\n<li class=\"\">Lack of liquid capital<\/li>\n<li class=\"\">Financial setbacks<\/li>\n<li class=\"\">Credit card loan<\/li>\n<li class=\"\">Complex and lengthy procedure<\/li>\n<li class=\"\">Need for a guarantor<\/li>\n<li class=\"\">High rejection rate<\/li>\n<\/ul>\n<p data-id=\"19\">Related read:\u00a0<a href=\"https:\/\/www.instamojo.com\/blog\/should-small-ecommerce-businesses-switch-to-alternative-financing\/\">Should small eCommerce businesses switch to alternative financing?<\/a><\/p>\n<h2 data-id=\"19\"><strong class=\"\">How can P2P lending help your small businesses?<\/strong><\/h2>\n<p class=\"\" data-id=\"20\">The entire banking system depends on your <span style=\"color: #3366ff;\"><a href=\"https:\/\/www.instamojo.com\/blog\/what-is-a-credit-score-important-small-business\/\" target=\"_blank\" rel=\"noopener\">credit score<\/a><\/span>. If you have a bad score, no bank or NBFC will touch you.<\/p>\n<p class=\"\" data-id=\"20\"><strong>The good news is that P2P platforms do not bank on your credit score \u2013 pun intended<\/strong>. P2P platforms use their own data points and algorithms to evaluate the credit standing of borrowers.<\/p>\n<h2 data-id=\"21\"><strong class=\"\">Benefits of P2P Financing<\/strong><\/h2>\n<p class=\"\" data-id=\"22\"><strong>Easy application process:<\/strong> You can apply from anywhere in the world using a computer and internet connection. It takes a few minutes and you don\u2019t have to submit multiple financial documents.<\/p>\n<p class=\"\" data-id=\"23\"><strong>Lower interest rate:<\/strong> You can get a loan for a much lower interest rate than a traditional loan.<\/p>\n<p class=\"\" data-id=\"24\"><strong>Flexible return options:<\/strong> There are multiple options for returning the loan. You can choose what is most suitable for you.<\/p>\n<p class=\"\" data-id=\"25\"><strong>Faster loans:<\/strong> Loan approval and disbursement are quick.<\/p>\n<p class=\"\" data-id=\"26\"><strong>Larger amounts of funding:<\/strong> P2P financing opens many doors for you to get a larger loan.<\/p>\n<h2><strong class=\"\">How to apply for P2P Financing<\/strong><\/h2>\n<p class=\"\" data-id=\"31\">Applying for a P2P loan is quick and easy. Though every platform has a slightly different procedure, here\u2019s a broad blueprint on how you can get one.<\/p>\n<ul class=\"\" type=\"disc\" data-id=\"32\">\n<li class=\"\"><strong>Register yourself<\/strong> on <strong>a P2P <\/strong><a href=\"https:\/\/www.lendenclub.com\/blog\/top-peer-to-peer-lending-platforms-in-india-2022\/\" target=\"_blank\" rel=\"noopener nofollow\"><span style=\"color: #3366ff;\"><strong>lending platform<\/strong><\/span><\/a> \u2013 this should not take more than a few minutes.<\/li>\n<\/ul>\n<ul class=\"\" type=\"disc\" data-id=\"33\">\n<li class=\"\"><strong>Certify your profile<\/strong> \u2013 this is not mandatory, but sites help you get your profile verified and rated to build investor trust. This ensures a better response.<\/li>\n<\/ul>\n<ul class=\"\" type=\"disc\" data-id=\"34\">\n<li class=\"\"><strong>Reach out to investors<\/strong> \u2013 you can bid to investors by sharing your business plan<\/li>\n<\/ul>\n<ul class=\"\" type=\"disc\" data-id=\"35\">\n<li class=\"\"><strong>Get your loan approved<\/strong> \u2013 once you find a keen investor, getting approval is quick<\/li>\n<\/ul>\n<ul class=\"\" type=\"disc\" data-id=\"36\">\n<li class=\"\"><strong>The money comes to your account<\/strong> \u2013 loan disbursement usually takes 72 hours or less!<\/li>\n<\/ul>\n<p class=\"\" data-id=\"37\">If your business needs a loan, consider P2P financing. Understand how much you need by way of a loan and if you can repay it easily. Evaluate and compare the many P2P companies in India and go with the one that seems the best fit.<\/p>\n<p data-id=\"37\"><strong>Want to run your own business on your own terms?\u00a0<\/strong><\/p>\n<hr \/>\n<p style=\"text-align: center;\" data-id=\"37\"><a class=\"mb-button mb-style-flat mb-size-default mb-corners-default mb-text-style-default \" style=\"background-color: #4e4e91;\" href=\"https:\/\/www.instamojo.com\/?utm_source=imblog&amp;utm_medium=interlink&amp;utm_campaign=home_page\" target=\"_blank\" rel=\"noopener\">Discover Instamojo <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"Sunil Kumar, a garment trader in Surat, is in a fix. He\u2019s enterprising and wants to expand his&hellip;\n","protected":false},"author":6,"featured_media":24058,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[5328,1],"tags":[5800,5801,2384,2386,1619,1618,1620,2385,1555,1621,2373,2374],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>P2P Lending for small businesses | How to Get Business Loan<\/title>\n<meta name=\"description\" content=\"Looking for a business loan but don&#039;t have a good credit score? Consider P2P lending platforms as an option to finance your business.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.instamojo.com\/blog\/p2p-lending-how-to-get-a-business-loan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"P2P Lending for small businesses | How to Get Business Loan\" \/>\n<meta property=\"og:description\" content=\"Looking for a business loan but don&#039;t have a good credit score? 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