Retail and SME Loans
Flexible funding for businesses and individuals
Access to the right loan can help you manage cash flow, grow operations, or fund personal goals. Wealth Excess offers tailored loan solutions designed to meet the needs of retail customers and small-to-medium enterprises with clear terms and timely support.
Product Overview
Retail and SME loans provide short- to long-term funding for consumption, asset purchase, working capital, and expansion. These loans are available with multiple repayment options and structures to suit different credit profiles and business cycles.
Types of Loans
Retail Loans
- Personal Loans: Unsecured funds for emergencies, medical needs, or personal projects with flexible repayment tenors.
- Home Loans: Financing for purchase, construction, or renovation of residential property with long-term repayment options.
- Auto Loans: Loans for purchasing new or used vehicles, often with competitive rates and structured EMI plans.
- Education Loans: Support for tuition and related expenses, with moratorium and repayment features based on the plan.
SME Loans
- Working Capital Loans: Short-term funding to manage day-to-day operations, inventory purchases, and cash flow gaps.
- Term Loans: Medium- to long-term finance for expansion, plant setup, or major business investments.
- Equipment Finance: Funding to acquire machinery or equipment, with tailored repayment linked to asset life.
- Trade Finance: Solutions for purchase orders, bills of exchange, and export/import working capital needs.
Key Features
- Quick Processing: Streamlined application and credit assessment for faster disbursal where eligible.
- Flexible Repayment: Multiple tenor and EMI options to match cash flows and affordability.
- Competitive Rates: Interest rates structured to balance cost and benefit based on credit profile.
- Collateral & Unsecured Options: Both secured and unsecured variants available depending on loan type and amount.
- Transparent Terms: Clear disclosures on fees, prepayment, and charges in line with regulatory norms.
- Dedicated Support: Relationship managers to guide documentation, disbursal, and post-disbursement queries.
- Custom Structures: Tailored solutions such as overdraft, invoice discounting, or milestone-based disbursement for projects.
Conclusion
Well-structured lending can power personal goals and business growth while managing risk. Wealth Excess offers responsible loan solutions with clear terms and supportive service to help you move forward confidently. Contact Wealth Excess today to discuss a loan plan tailored to your needs.