Blucoin Capital Private Limited

A low or bad CIBIL score often feels like a roadblock when you’re planning to apply for a loan—especially an unsecured one. Since unsecured loans don’t require collateral, lenders usually rely heavily on your credit score. But here’s the good news: a bad CIBIL score does not always mean automatic rejection. With the right approach, you can still secure funding for your needs or business growth. Understanding W hat a Bad CIBIL Score Means A CIBIL score below 650 is generally considered weak. It may result from delayed EMIs, high credit utilization, loan defaults, or limited credit history. While banks tend to be strict, many NBFCs and digital lenders now focus on overall repayment capacity rather than just one number. Can You Get an Unsecured Loan with a Bad CIBIL Score? Yes, it’s possible. Many lenders today offer flexible loan options based on: Current income and cash flow Business turnover and stability Bank statement analysis GST returns or sales records This has made it easier for ...

Running or expanding a business often requires timely financial support. Whether you are starting a new venture, managing working capital, or planning expansion, a business loan can provide the funds you need without disturbing your cash flow. In this blog, we explain what a business loan is, its types, benefits, and eligibility criteria to help you make an informed decision. What is a Business Loan? A business loan is a financial product offered by banks and NBFCs to help businesses meet their operational and growth-related expenses. The loan amount can be used for purposes such as purchasing equipment, hiring staff, expanding operations, managing cash flow, or investing in new opportunities. Today, many lenders allow Business Loan Apply Online , making the process quick and hassle-free. Types of Business Loans Understanding the different types of business loans can help you choose the right option: 1. Term Loan A lump-sum loan repaid over a fixed tenure with EMIs. Ideal for long-term...