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With 10+ years of experience in Business loan serving, Riddhi Siddhi Multi Services team on hand for your peace of mind.

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Project Loan

With 10+ years of experience in Project loan serving, Riddhi Siddhi Multi Services team on hand for your peace of mind.

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Mortgage Loan

With 10+ years of experience in Mortgage loan serving, Riddhi Siddhi Multi Services team on hand for your peace of mind.

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Riddhi Siddhi Multi Services - ISO 31000 - Risk Management

ISO 31000 Risk Management - Principles and Plans, offers theory, framework and a method for risk management. It can be used by any corporate regardless of its size, activity or region.

Riddhi Siddhi Multi Services – ISO 31000 Certified facilitated one of the best services in attractive rates.

Riddhi Siddhi Multi Service offers flexible and highly adaptable loans for your startup business, no matter how many industries you have. Join the financial company in India to increase your business by including accountability in your community presence.

CEO, Riddhi Siddhi Multi Services

The Basic Five ‘Cs’ of Credit by Riddhi Siddhi Multi Services

While taken credit or finance form a bank or any other financial institution. Riddhi Siddhi Multi Services team is all set up to help you with your financial needs at every step. Befor taking credit from a bank or any other financer, you need to make yourself aware of the 5 C’s of credit.

Character refers to the financial history of a borrower typically demonstrated by a credit score (also called a CIBIL score). Lenders can check for ones responsible credit record by examining his/her credit report.

Capacity refers to the ability of the borrower to generate sufficient revenues to pay back the loan. Lenders are particularly interested in periodic income and loan obligations as well as current operating costs. A monthly operating budget helps demonstrate what is feasible for a borrower to pay each month. A borrower who can show a positive cash flow – that is, one where income exceeds expenses -- for a sustained period has a good chance of getting a business loan.

Capital refers to the capital assets of the business and is often compared relative to debt obligations to determine financial solvency. Capital assets might include machinery and equipment, as well as product inventory. From a project financing perspective, capital is sometimes equated with “equity,” or cash or other tangible contributions to a particular business activity that is proposed to be financed. A direct financial investment made by borrowers demonstrates a financial commitment to the project and shows lenders they are not taking all the financial risk.

Collateral is the asset(s) a borrower pledges to secure a loan. Having a good credit is always an add-on benefit backed up with proven money making ability or a good business plan, and business assets. Still the lenders will often require borrowers to pledge their personal assets as security for the loan. Lenders require collateral because borrowers who have personal assets at risk are more likely to work to keep the business going rather than walk away from a business failure. Real estate is the most preferred form of collateral, followed by certain financial securities and equipment that is easily recovered in the event of a loan default. Riddhi Siddhi Multi Services will help you evaluate the valuation of collateral carefully in respect of the required loan amount.

Conditions refer to the larger economic and regulatory environment within which a new, existing or expanding business will operate. Factors related to marketplace demand and industry trends also come into play. Lenders who don’t consider the economy and conditions relative to the applicant’s business may take unnecessary risks. Cyclical businesses, which are often seasonal, are particularly difficult to finance due to the irregularity of cash flow and the possibility that bad weather will jeopardize the borower’s ability to service debt. Riddhi Siddhi Multi Services can be helpful in those situations to assist one’s financial needs.

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