Factors Affecting Commercial Loan Interest Rate in India

commercial-loan

A commercial loan provides a company with the necessary capital and is often structured similarly to a similar type of loan, such as a personal loan. Ultimately, the most important factor in issuing and repaying a loan is the commercial loan interest rate, determined by several factors. Business loans are very often used to finance a business’s needs due to a variety of factors, including:

  • Shorter duration of availability
  • Unlike equity, you don’t need to give up any stake  
  • It is tax-deductible to pay interest on a commercial loan
  • Businesses can plan their finances better by knowing how much interest they will pay or how much EMI they will receive
  • Even smaller companies can benefit from this option

Internal factors: your business financial assessment 

Prospects for future growth: 

People generally obtain business loans to improve prospects for the company. Lenders may base their interest rates lower if the business shows great growth potential. Also, the business’s success would depend on the business plan and the promoter’s ability to direct it in a positive direction. Lenders often combine such factors to provide you with a unique commercial loan interest rate for every scenario.  

Business Types: 

Different businesses have different business models. Some may be production-focused, while others may be service-focused. Some companies carry higher risks for a variety of reasons. The interest rate charged on a commercial loan may differ depending on the lender’s risk perception of the business. 

Collaterals: 

Companies may use collateral to secure business loans. A business may reduce the interest charged on a loan if there is enough collateral to the lender to reduce the lender’s risk. New, small, and service-related businesses may have difficulty providing the collateral needed to secure a business loan. A higher commercial loan interest rate may apply to unsecured loans as well.

Business financials 

An inexperienced borrower would not be an attractive prospect for a lender. Therefore, a business with solid financials makes it a good candidate for a commercial loan because it can guarantee loan repayment. You can also get a lower commercial loan interest rate because of the reduced risk of lending to a profit-making business. In addition, you should assess the proposed loan amount to ensure that the borrower can repay the loan.

Credit Worthiness   

One of the primary factors that affect the interest rates on a business loan is the creditworthiness of a business as measured by its credit score or rating. Any lender will be wary of lending to a risky business without checking the company’s business credit score. Small businesses with a minimal credit history are judged based on the score of their founder or promoter. Obtaining loans at competitive interest rates can be easier with a good credit rating.  

External factors 

Government financial policies

Our Reserve Bank of India is responsible for determining the country’s monetary policy. There are many tools that the Reserve Bank uses to adjust the amount of money supply on the market, and each has a different impact on the amount of money in circulation. Low-interest rates on loans are related to adequate liquidity and vice versa.  

Inflation

An inflation rate is when the price level of a basket of goods and services increases over time, per definition. Economic interest rates are affected by the level of inflation in the economy. Inflation makes things more expensive and, therefore, decreases the buying power of individuals. This results in higher interest rates. RBI’s monetary policy is also affected by inflation.  

Overall economic scenario

As a result, the economy has many participants, such as banks, financial institutions, companies, stock markets, unorganized lenders, borrowers (both retail and business), etc. All of these players are interconnected, so any untoward incident in one sector impacts the others.

80 thoughts on “Factors Affecting Commercial Loan Interest Rate in India

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