Related services

Why Entreprise Financing ?

You need a loan to start a new business, expand an existing business, or need the cash to take advantage of a business opportunity, our business loan experts will work with you to prevent business loss and boost your profits.

Businesses require an adequate amount of capital to fund startup expenses or pay for expansions. As such, companies take out business loans to gain the financial assistance they need. A business loan is debt that the company is obligated to repay according to the loan’s terms and conditions.

Entreprise Financings allow companies to have a chance at success. As such, loans are in high demand, but not every company that applies for a loan will receive one. When applying for a business loan, lenders evaluate the company’s history, the amount of debt the company has and whether the business seems risky.

Why work with us ?

At most banks, risky businesses, such as startups, are often not the successful beneficiaries of business loans. Our expertise in the field means that we help you prosper your business with the ideal formula. Everyone are Welcome!

Businesses taking out loans with high interest rates should plan to repay the loan as quickly as possible, so that the interest owed does not accumulate in an exorbitant amount. High interest loans are best used for short term financing needs.

 

 

Key Features

We've got answers

Frequently asked questions

If you're new or looking for answers to your questions, this guide will help you learn more about our services and their features.

For every business, funding is a key concern and a requisite for scaling up. But getting loans is not that simple, especially for small businesses. This is where Raifnansiera Bank promises to support. Our financial services are aimed at helping you overcome financial constraints and realise your business goals.

  • To ensure you qualify for our business loans, here are the key eligibility criteria:

    1. Business Type:

      • Sole proprietorship, partnership, corporation, or LLC.

    2. Age of the Business:

      • Must be operational for at least 6 months to 1 year (startups may qualify under specific programs).

    3. Minimum Revenue:

      • A steady income stream or minimum annual revenue as required.

    4. Creditworthiness:

      • A 

    5. Business Registration:

      • Must have a valid business license, tax identification number, and other legal documentation.

    6. Residency:

      • Business must operate within our serviceable regions.

With a business loan, your other obligations to other savings banks or banks initially play no role. The only important thing is that you are able to pay the loan instalments as agreed. By the way: can other debts to other credit institutions be summarized in one clear payment? Just ask your savings bank advisor.

While business loan insurance is not always mandatory, it is highly recommended. Loan insurance provides protection against unforeseen circumstances, such as the inability to repay the loan due to financial hardship, business interruption, or other unexpected events.

Some benefits of insuring your business loan include:

  1. Risk Mitigation: Safeguards your business assets and personal finances.
  2. Peace of Mind: Ensures that your loan obligations are covered in case of emergencies.
  3. Improved Loan Approval: Some lenders may view insurance as a sign of responsible financial planning.

After making your loan request, our experts will get in touch with you while studying your file. If everything is in order, you will receive the funds within 72 hours at most.

Raifnansiera Bank offers the lowest interest rates in the market across all segments. As we offer customers an unsecured loan i.e. collateral-free loan, the rate of Interest will be higher as compared to secured products offered by banks.