Loan Frame named in India’s top funded startups for 2017 | Economic Times

The startup world may never ride the high waves of 2015 but 2017 proved that big ticket funding is not a thing of the past. After a year of drought in 2016, the stars of the Indian startup ecosystem came back to prove they still possess the confidence of the investors.

However, the downtrend of 2016 did result in substantial cutback on their valuations. While Flipkart ended its drought with $1.4 billion from Tencent, Microsoft, eBay, and Naspers in April this year at a reduced valuation of $11.6 billion (from $15 billion), Ola raised $404 million from Falcon Capital and Softbank Group a few days later at a reduced valuation of $3 billion (from $4.5 billion).

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Are You Adequately Geared? We Tell You How to Find Out

Gearing Ratio evaluates the financial structure of the company. It indicates the ratio of capital raised through debt to that raised through equity. In other words, it is the measure of financial leverage of a company. It is also known as Debt-Equity Ratio.

It can be computed by dividing the company’s total debt (both long-term as well as short term obligations) with the shareholders’ equity. Thus,

Gearing Ratio/Debt-Equity Ratio = Total Debt/ Total Equity

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5 questions to ask before you get an Unsecured Small Business Loan

Once you have decided to apply for a small business loan, it helps to have an understanding both of your circumstances as well as the business loan lender’s perspective. This will help to improve the odds of success, and apply for a loan type and amount that is suitable to both your needs and your capacity.

Here are 5 important questions you should ask and answer before you apply for an unsecured business loan:

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Loan Frame Is Service Provider App To Get Loan For SMEs | MoneyBhaskar

 

बिजनेस के लिए लेना है लोन तो मोबाइल ऐप डाउनलोड कर करें अप्‍लाई.

करोल बाग में छोले-भटूरे बेचने वाले कारोबारियों को लोन चाहिए था, लेकिन बैंकों ने उन्‍हें लोन नहीं दिया। बेटे ने गूगल सर्च करके लोनफ्रेम मोबाइल ऐप डाउनलोड किया और ऐप में ही ऑनलाइन फॉर्म भर दिया और 7 से 10 दिन में उन्‍हें 66 लाख का लोन मिल गया। लोनफ्रेम ऐसी मोबाइल ऐप है, जो कारोबारियों को लोन दिलाने में मोबाइल एग्रीगेटर की भूमिका निभा रही है। लोनफ्रेम कंपनी की शुरुआत अगस्‍त 2015 में सिंगापुर से हुई और मार्च 2016 में कंपनी ने भारत में शुरुआत की और अब एक महीने में 700 से 1000 करोड़ रुपए के लोन के लिए एप्‍लीकेशन कंपनी को मिल रही है। रोजाना 100 से 150 लोग लोनफ्रेम ऐप को डाउनलोड कर रहे हैं। ऐप को लेकर छोटे कारोबारियों में अधिक क्रेज हैं। लोनफ्रेम के को-फाउंडर ऋषि आर्य ने moneybhaskar ने बातचीत की। पेश है बातचीत के मुख्‍य अंश –

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Demonetisation: Uncertainty means MSMEs funding scenario hugely negative | Economic Times

 

Traditional lenders are pulling back in the short term as they wait to see the impact of de-monetization on their current portfolio and grapple with uncertainties in SME business performance and collateral prices. In the medium- and long-term, capital availability and lending will increase significantly as lenders get better visibility on business performance and more business transactions are recorded digitally.

– Shailesh Jacob

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