Starting or trading

Money to start or grow

For a business you are starting or one you want to grow: what a bank looks for, the four big government schemes, and the habits that make you easy to lend to.

1. 01What a bank looks at before a loanWalk into a bank with the documents and answers a loan officer is looking for.5 min · ends with scheme check
2. 02MUDRA, PMEGP, CGTMSE, and Stand-Up India's closureKnow what each of the big schemes gives, who it is for, and its limits.8 min · ends with scheme check
3. 03Loan, subsidy or guarantee: what you actually getTell a loan from a subsidy from a guarantee, and know which one you need.5 min · ends with scheme check
4. 04Keep business money separateSet up the one habit that shows you whether you are profitable and makes a bank say yes.5 min · ends with find the money
5. 05Working capital: the money between buying and being paidWork out how much money your business needs tied up just to keep running, and how to borrow it.6 min · ends with find the money
6. 06A project report a bank will readPut together the project report a loan application asks for, section by section, with numbers you can defend.7 min · ends with find the money
7. 07Your credit history, and why the bank checks itKnow what a credit report shows a lender, how to check yours, and the habits that build it.5 min · ends with scheme check
8. 08Money from family, friends or a partnerTake money from people you know without losing the money or the relationship.5 min · ends with ask anything