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WebCogitate Technologies

WebCogitate Technologies is a Digital Marketing Agency created for companies / startups who want digital Agency / IT solutions for their own business.



Small Business Loans in India

Small Business Loans in India

In a world where inequality is the norm, attaining success is as difficult as it gets, especially for small businessmen working independently at the grassroots. Tribe3 was formed, with an aim to uplift the 3 billion who are economically under-served but have great potential, by identifying capable entrepreneurs and providing them with capital.

Tribe3 offers hassle-free and swift business loans in India for small businesses, through a simple online loan application process. Backed by the Avishkaar – Intellecap Group, Tribe3 was born to strengthen the nation from its core. Today, it simplifies the life of MSMEs through digital enablement and inclusiveness. Our business loans for new businesses enable India to become financially independent, and to fuel the Make in India movement.

Tribe3 is an innovative digital lending platform that aims to grow together with small business owners. We leverage our digital platform to analyze data to quicken the lending process; so as to offer small business loan options to businesses that need it, when they need it. With that, we aim to offer swifter lending at a large scale, addressing the under-served demand of small business financing loan.

Tribe3 embraces digital technology to bring path-breaking innovative ideas that can empower MSMEs across India, with which you can apply for a new business loan online in an instant. It helps finance small businesses with small business loans offers ranging from INR 1 Lakh to INR 20 Lakhs – with the ease of online application and loans without security.

Tribe3’s Micro Business Loan between INR 1 Lakh and INR 3 Lakhs is best suited for very small businesses, such as a local grocer, stationery or an electrical store. The online business loan can help you with funds for stocking additional inventory during the festive season, running a marketing campaign, or renovating the premises.

With a choice of tenure between 12 to 36 months, we have small business loans with offers that are made to suit your differing business needs. If you have a business like a small cafe, restaurant, medical store, salon, or so on, an MSME loan for new business between INR 3 Lakhs and INR 5 Lakhs or a Small Business Loan in India can help you hire new employees, scale up operations, or sell your products online.

If you have a mid-size business, like apparel, manufacturing unit, or export business, etc, our SME loan without collateral or Medium Business Loan ranging between INR 5 lakhs to INR 20 lakhs can help you purchase new equipment or machinery, more inventory, and even scale up operations.

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Getting a small business loan without security in Mumbai

It is an exciting time to be an entrepreneur. Why? Indian banks, new-age financial institutions and NBFCs are making it easier to get quick business loans. Typically, there are two types of business loans in India available for a small business owner– secured and unsecured business loans. There will be occasions when a business owner wants a loan without security. Unsecured business loans or loans without security do not require any collateral – as they tend to be smaller. If you want to apply for a business loan in Mumbai, here are some things you should know.

Factors that influence an unsecured business loan application:

 Since finances are the backbone of any venture, financial institutions make it easy to get collateral free loans. Applicants usually are required to meet the following criteria, to get a business loan in Mumbai:

The applicant must be between 23 -65 years old
The business should have been operational for a minimum of 1 year and tax returns should have been filed.
The applicant must have a good credit score.
The applicant must have a good business growth plan with revenue generation.
The applicant must have chalked out a clear repayment plan

If the business meets the above conditions, the applicant needs to fill in an online business loan application form on the lending company’s website or mobile application. A loan officer will consider the above factors before disbursing the required funds. Collateral free loans carry higher interest rates as the lender’s risk is higher. The term for an unsecured loan is also shorter.

Other factors, which influence the business loan process:

Stage: If you are a new business, it may be more difficult to get a loan from a bank and in such cases, private business loans are an option to consider.

If your business has been operating for 1 or more years, it is easier to get that loan as there is a performance track record that can be considered, before a loan is offered.

Product/service competitiveness: Lenders consider this aspect before they sign off on a business loan in Mumbai or any other location in India. If your company has been doing well in its niche or is on par with companies in a similar field, then unsecured loans are easier to come by.

Amount of business loan: The amount requested plays a big role in the sanctioning, especially in the case of collateral free loans. Modest amounts are easier to get if your company’s financials are strong. Before applying, you should run all the possible numbers and be very sure of your ability to repay.

Whom to approach: It is always easier to approach an institution you have done business with in the past. Talk to your digital lending company or NBFC about getting a collateral free loan, as he/she is familiar with your business and its operations. Having a good credit score and a solid repayment history will facilitate getting business capital loans, when you need them most.

Essential tips to note:

Find out more about the terms and conditions for unsecured business loans being offered by different institutions.
Eligibility criteria can vary for each institution, as well as the formalities required for easy small business loans.
Keep in mind that you will have to pay higher interest rates for unsecured business loans as compared to secured business loans.
Your credit scores (CIBIL) must be good to get a collateral free business loan.
There will be a service charge levied to get a loan.
Loan limits vary for each institution – so do your homework and apply only for the amount that you need.
Loan processing usually takes 4 to 5 working days after the required documents have been submitted and reviewed by the lender.
Loan pre-payment is a good idea – check out this option and the charges you will incur for early repayment of the loan.

Unsecured business loans are a great resource for the growth of a small business. While secured loans are essential to establish and keep a business running, short-term unsecured loans play an important role.  These loans are critical as they help a business to tide over difficult times.



The size of your dreams is everything. So, we offer** business loans** starting from INR 1 Lac to INR 20 Lacs, without collaterals or paperwork hassles.
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*Tribe3 *is what you get when the bold meets the humble and the exciting meets the understanding. Our bold work stems from a brave, exciting and open culture. All this, while keeping it fun, friendly and humble all the way.
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In a world where inequality is the norm, attaining success is as difficult as it gets, especially for small businessmen working independently at the grassroots.
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unsecured business loans

At Tribe3, we believe that growth needs to be strongest at the grassroots. And we’re dedicated to make it easier.


Unsecured business loan: The right answer for a small business

*What are unsecured business loans? *

Business capital is the foremost pre-requisite, be it to start a new business or to help your start up grow. For small businesses to function smoothly, it is essential to keep the money flowing with quick and efficient small business loans. Opting for traditional bank business loans is often not very helpful, as banks demand collateral or security from the borrower and follow a time-consuming regime to process the loan. Such loans are called secured business loans.

However, more often than not, the borrower may not have any assets to pledge as collateral. It is in such situations that small businesses reach out for collateral-free loans or unsecured business loans. Unsecured small business loans are funds that can be procured by an entrepreneur without having to worry about pledging any assets.
One of the best and easy to understand example of an unsecured business loan is the credit card. Here, the credit card company assesses the borrower’s credit history and offers a personal loan at the higher-than-normal interest rate. There is a pre-approved borrowing limit and a tenure within which the borrower is required to pay off the loan.

Why choose unsecured over secured business loans

One of the biggest advantages of an unsecured SME business loan is that it can be obtained almost instantly with minimum paperwork. It only requires a valid proof of the business, its cash flow analysis and past credit history of the entrepreneur. Defaults (if any), do not put the assets of the businessman at risk. Further, unlike secured business loans, the owner of the business can file for bank ruptcy in the court and obtain a complete waiver of the loan.

Secured business loans require extensive paperwork and proofs, assets (movable or immovable) to be pledged, a good credit history and, a guarantor who can stand as a surety. The borrower is at a higher risk but can procure the loan at interest rates much lower than unsecured business loans. The lender takes the least risk and has the surety of recovering any dues by disposing of the assets pledged by the borrower. Defaults in case of secured business loans are not eligible for waivers in the court of law and result in loss of the pledged assets.

To sum up, secured business loans are for those who have assets to pledge, while unsecured quick business loans are for those who want instant funding and have no collateral to produce.

Businesses that can benefit from collateral-free loans

Small businesses usually start with small investments. After breaking even, these businesses grow and would need more working capital to sustain their growth. There are different types of small businesses that can benefit from collateral-free business loans.

A small business that has been around for more than a couple of years and has been doing well, can benefit immensely from term finance with low processing fee and little or no pre-closure fee.

The top beneficiaries of loans for** business without security** are suppliers to blue-chip companies. They can procure quick unsecured business funding to pay for pending orders that they are to fulfill shortly.

Distributors comprise a small business that purchases goods from suppliers. They too, can benefit from instant business loans. As they already have dedicated customers to cater to, they can avail the loan and settle the same at calculated intervals.

Retail merchants – both online and stores - can procure unsecured business funding to fund their cash flows, as most of the payments are received through card payments that are settled at the end of the month.

Get the documentation right

While banks and non-banking financial institutions require extensive documentation for processing small business loans online, there are private business loan providers that provide business loans without collateral to small businesses in India. The minimum documents required to process these loans are:
• KYC documents of the owner and promoters
• Business registration documents
• Current Account Bank Statements of the previous and current financial year
• Income Tax Returns from the last financial year
• Cash flow records of the last and current financial year


Applying for a business loan online in India

Applying for a business loan online in India

Businesses need funds at every stage, whether it is for implementing new business plans, purchasing new equipment or moving to a new office. The need for funds also varies, based on the size and requirements of the business.

This is where business capital loans can make a huge difference. Fortunately, the process of getting a business loan in India has become much easier, as there are many banks and financial institutions fulfilling this by offering options to apply for a business loan online.

Gone are the days when you have to go to follow a long procedure spanning several days to apply for a loan.Now, you can get a business loan in India, at the click of a button.

However, before you apply for a loan, it is important to know a few things about business loans in India.

*Types of business loans

Broadly, there are two types of business loans that funding institutions offer to help with your business plans. They are secured and unsecured working capital finance.

To get a secured business capital loan, a business needs to provide collateral security. This can be in the form of assets or property such as computers, company vehicles, shares and real estate (these have to be owned by the business).

In the case of collateral free business loans, the company gets the funds without pledging any property or other assets.

Depending on your specific requirement, you can apply for a secured or a collateral-free loan.

Factors to consider before getting finance for business

There are several individual and business-specific factors and objectives that you need to consider before applying for a custom business loan.

•Goals: Your Company’s vision and mission are as important for the lending institution as they are
for you. They need to be assured that the business loan will support business growth objectives
that will make a difference to your company’s bottom-line.

•Loan amount: As a borrower, you need to have a clear idea of how much funds you want to borrow.
For this, having a business plan iscritical to figure out how much money is needed to drive the
business objectives for which you’re seeking the loan.

•Business plans: Putting plans down on paper makes it easy to convince a financial institution on
reasons why business capital loans are needed. A business plan is like a road map and an essential component of
the loan process.

• Loan Repayment Schedule: When taking a new business loan, you need to consider the monthly
EMI that you need to pay for the loan, as you cannot afford any surprises.You need to check your
EMI calculations,
considering the interest ratesandperiod of taking a loan, toget exact amount of EMIs payable.

• Documentation: Depending on the type of loan required – secured or unsecured – the
documentation you need to submit will varyFor an unsecured loan, the minimum documentation
required is your KYC documents (Aadhar and PAN Card), the bank statement of the business, and
business documents. These will vary for each lender.

A small business can apply for a loan with a bank or a new-age lender. New age lendersoffer a range of custom easy business loans, personalized to your business needs. This ensures that you can get the specific funds tailored to your specific needs, just when you need them.

Once you have applied for a loan by filling up an online loan application, with all necessary supporting documents, the loan processing takes about 3 to 10 working days from the date of submission, depending upon the lender. Once the processing is complete, you will receive the loan amount into your bank account.

Digital Marketing Agency in Pune,India | IT Development in Pune,India

WebCogitate Technologies is a Digital Marketing Agency created for companies / startups who want digital / IT solutions for their business.
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SEO done right

SEO done right

Search engines do not understand a web page the way humans do. Search Engine Optimization – [SEO ]helps smooth interactions between search engines and a web page, enabling the search engine to better see and understand a web page.

The following points will help us understand how SEO is done:
Search Engines prefer HTML text format rather than images, flash files and other non-text content. These formats are generally ignored by search engines as they put more value in HTML Text format while crawling and indexing web pages. It is thus advisable to build web pages with maximum content written in HTML, also images, flash files should be accompanied with HTML text descriptions to guarantee proper indexing of the web page.

Link Structure is very important for search engines. Ensuring all the pages on a website are interlinked will ensure that the search engines crawl through all the pages and all the relevant content is indexed and listed.

Here, Homepage A is linked to B which is linked to C but, page D is not linked to any of the pages. In this case, crawler would not crawl page D which in turn would not be indexed despite its great content and good keywords.

Search engines store data on the basis of keywords in other words, there are millions of data indexed, when we enter words to perform a query, search engines go through their database and retrieve the information based on the words in the query. The way keywords are used on the page is measured by search engines to find the relevance of that information to a query. More specific the keyword leads to less competition and higher chances of achieving a higher ranking. To optimize a page’s ranking use the keywords you want to rank for prominently in title, text and metadata.Over a period of time, this practice of keyword based indexing was taken advantage of to manipulate engines. This misguided effort is termed as ‘keyword stuffing’ wherein in keywords are stuffed into texts, meta tags, links and URLs which does more harm than good to the website.
Description of a page’s content is shown at the top of Internet Browsing Software which is called ‘Title Tag’. It is critical to user experience as well as SEO. Keywords used in the title tags will be bold when a search query would be performed using those keywords.

Title tags can be optimized in following ways:
a. Place keywords in the starting of title tags for better ranking and better visibility to the users
b. The first 65-75 characters of the title tag are shown in the search result by the search engines so, be wise while writing a title tag. If multiple keywords are targeted and it is
important to include them in the title tag then go longer.
c. It should be descriptive and readable to grab more user attention and visitors to the site

Meta tags:

a. Meta robots: They control crawler activity on per page level.

Index/noindex tells search engine whether to index a page or not. Noindex excludes the page from indexing. By default crawler indexes all pages.

Follow/nofollow tells whether to crawl link on the page. Nofollow stops crawler from crawling and ranking the link. By default crawler follow every link on the page.

Noarchive tells the engine not to save cached copy of the page. By default crawler saves cached copy of the page.

b.Meta Description: It gives a brief description about page and not used by crawlers for ranking. These descriptions are basically for advertising and drawing attention of readers.

The addresses for documents on the web page are of great importance from search perspective and are called URLs. They are displayed in search result and also used in ranking documents. Construct a URL which gives an idea of the content on the page and is short, easy to copy & paste and visible in the search result. Include specific keyword in the URL which is targeted by web page. However, don’t stuff in multiple keywords for SEO, it will result in less usable URL.

Many a times it happens that there are two or more duplicate versions of a web page with different URLs. Search engines rarely show multiple, duplicate versions of same content. Instead they choose a version which is most likely to be original. This may lead to lower ranking of pages than it should. To combine multiple pages into one *Canonicalization *is done. This practise tells the search engine that all duplicate versions has one and only one URL. This way duplicate pages stop competing against each other and create stronger relevancy signal overall.

From the above points we can see that keywords play a very important role in SEO so, choosing the right keyword for website is of utmost importance. Below are some of the sources about keyword referral and keyword demand:

a) Google Trends
b) Google Adwords Keyword Planner Tool
c) Wordtracker’s Free Basic Keyword Demand

Search engines have no formula to understand how important the content is for people. They track what people do: what they discover, react, comment and link to on your website, and measure the importance and relevance on that basis. So, along with SEO, market your content to make sure it gets seen to the audience.

Author Bio :
WebCogitate Technologies is a Digital Marketing Agency created for companies / startups who want digital Agency / IT solutions for their own business.

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E-Learning - The way ahead

E-Learning - The way ahead

With the advent of technology E-learning has quickly become an integral part of the training industry. Business, education institutions and professionals are now migrating towards *e-learning *from the traditional classroom training. Apart from the obvious benefits of being flexible and not having to spend excess time and expenses on travel E-Learning also has many other benefits over the traditional training methods.

Below mentioned are some of the advantages of E-learning:

Less expensive to produce, with soft wares and applications like Trainers often you can create your own training courses without incurring must cost.
It’s self –paced, most e-learning programs can be studied as and when the learner is free. The training courses can be created in small modules so the learner can focus, learn and move ahead as per his convenience.
It moves faster, with e-learning the learner himself is in charge of the training ,this helps him move the training at a faster pace as he can skip parts of the course which he already knows and focus on the parts he actually needs training.
It’s consistent, e-learning eliminates the problem of different trainers speaking different content on same subject. This is especially important and quite crucial in company based training.
Easily accessible, with smartphones and tablets accessing online training programs has become very convenient. Learners can easily log in their online training courses from anywhere and at any time.
Easily updated, online training programs can be easily updated as they only require the updated content to be uploaded on to the servers. This additionally saves cost on reprinting manuals and retaining instructors.
Increased Retention, e-learning courses can lead to increased retention and better grasp of the subject as e-learning uses multiple formats like images, video, audio, quizzes, interactions and so on to reinforce the message of the training With constant progress in technology, E-learning platforms are quickly moving up in the world as well. Micro learning, Gamification are a just a couple of new platforms that are coming up for E-learning, more on that next time.

Author Bio :
WebCogitate Technologies is a Digital Marketing Agency created for companies / startups who want digital Agency / IT solutions for their own business.

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What is SEO - For Beginners

What is SEO - For Beginners

Moved your business online? Have your website ready? Confused how to make it to the list of ‘top searched websites’? Well, one of the solutions to become one of the top searched websites is ‘SEO’ also known as ‘Search Engine Optimization’.

Search Engine Optimization ison-page optimization where in the website is created with a clear hierarchy and text links to make it easy for the search engines to ‘crawl’ through the site. Search engines are ‘crawlers’ or ‘automated robots’ which go through (crawl) the websiteand store the relevant information. This process of storing relevant information is called ‘indexing’ and these information are recalled when needed for a search query. When an online search is performed, these search engines go through their database and show the results which match the search queries. Also, it ranks those results as per the popularity of the websites showing relevant results. Hence, ‘relevance and popularity’ are the two things which are influenced by the process of SEO.

To show the ‘relevant’ results to the search query, match your keywords to those queries. Create keyword rich content and URLs. Make a website which is rich in valuable information and its pages clearly describe the content (it is not buried inside JavaScript, Adobe Flash Player).
Search engines assume that more popular a site more useful the information it would contain. To rank these sites in order of their popularity mathematical algorithm is employed by these search engines.

Following are some of the characteristics of web-pages that tend to rank higher:
1.Domain-Level Link Features: Based on link/ citation metrics such as quantity of links, trust, domain-level Page Rank, etc.

2.Page-Level Link Features: Page Rank, trust metrics, quantity of linking root domains ,links, anchor text distribution, etc.

3.Engagement and Traffic/Query Data: Data SERP engagement metrics, click stream data, visitor traffic / usage signals, etc.

4.Domain-Level Keyword Usage: Exact-match keyword domains, partial keyword matches, etc.
Search Engine Optimization makes websites understandable for search engines as well as users. It helps the engine find out what each page is about, and its usefulness to the users.

Author Bio :
WebCogitate Technologies is a Digital Marketing Agency created for companies / startups who want digital Agency / IT solutions for their own business.

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WebCogitate : Micro-services

WebCogitate : Micro-services

Micro-service architecture, a word that has grabbed everyone's attention and is gaining momentum everyday. So, what is micro-service, why does everyone want to shift to it and why do we need it? Let's understand the concept of micro-service architecture in detail.

The central idea behind micro-services is that some types of applications become easier to build and maintain when they are broken down into smaller, create able pieces which work together. Each component is continuously developed and separately maintained, and the application is then simply the sum of its constituent components. This is in contrast to a traditional, "monolithic" application which is developed all in one piece.

Monolithic Architecture

In a monolithic architecture, we will need just one code base. That code base will have all code related to all modules. For small projects monolithic architecture is preferred. The actual issue arises when the number of modules increases significantly.

Issues that could arise because of monolithic architecture are:

•It will be difficult to manage the code base
•Monolithic applications can also be difficult to scale when different modules have conflicting resource requirements
•Monolithic applications has a barrier to adopt new technologies. Since, changes in framework or languages will effect an entire application, it is extremely expensive in terms of time and cost
•Another problem with monolithic applications is reliability. Bug in any module (e.g. memory leak) can potentially bring down the entire process. Moreover, since all instances of the application are identical, that bug will impact the availability of the entire application
•You must redeploy the entire application on each update
•Impact of a change is usually not very well understood which leads to do extensive manual testing

Micro-service Architecture

Micro-service architecture says that we divide our application in small independent services which works independently and ideally do not communicate with each other. This could be said that A service has no knowledge about B service.
Basically, the idea is to split your application into a set of smaller, interconnected services instead of building a single monolithic application. Each micro-service is a small application that has its own hexagonal architecture consisting of business logic along with various adapters. Some micro-services would expose a REST, RPC or message-based API and most services consume APIs provided by other services.
Also, not only code base, complete micro-service architecture says each service will have its own database and that database access is limited to particular service only.

Benefits of Micro-services

•It tackles the problem of complexity by decomposing application into a set of manageable services which are much faster to develop, and much easier to understand and maintain
•It enables each service to be developed independently by a team that is focused on that service
•It reduces barrier of adopting new technologies since the developers are free to choose whatever technologies make sense for their service and not bounded to the choices made at the start of the project
•Micro-service architecture enables each micro-service to be deployed independently. As a result, it makes continuous deployment possible for complex applications
•Micro-service architecture enables each service to be scaled independently

Drawbacks of Micro-services

•Using micro-service architecture means using distributed system. So, now there will be calls to various services at some facade layer (aggregation layer), where we need to handle RPC and service calls failure
•Testing the architecture becomes difficult
•Major issue comes when debugging the issue. To debug the issues, we need something to link calls between different services (done via distributed tracing)
•In micro-services, our database are also partitioned. If a business requires transactions between various services then we need to take care of distributed transactions (SAGA Pattern)
•You need to monitor and manage multiple applications

Author Bio: WebCogitate Technologies is a Digital Marketing Agency created for companies / startups who want digital Agency / IT solutions for their own business.

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5 Ways to Get Small Business Funding in Mumbai

The availability of finance for business is a recurrent factor in starting or sustaining any business. Apparently, however, according to a recent survey, statistics show that over 94% of the small businesses take a back seat due to ignorance in exploring various opportunities when it comes to finance for business.

That's often the case, at almost every stage, entrepreneurs end up asking the question—How do I finance for business?

Moreover, Mumbai is famously known as the financial capital of India. Accordingly, the problem of weak bank balances in a big city like Mumbai is a grave for small and medium enterprises.

In a metropolitan city, the competition is huge due to the rapid multiplication of commercial ventures. Survival of the fittest is a norm, where access to quick and easy small business loans will determine the success for SMEs.

Here are some options to get easy small business loans for your business.

1. Bootstrapping your business:

Bootstrapping, otherwise known as self-funding is the most viable way to start your small business. As opposed to the various easy small business loan options available, this is the more effective for the first-time entrepreneurs.

Bootstrapping is also about stretching resources – both financial and otherwise – as far as they can. You might want to start early, implementing your money-saving plans to reap out the benefits.

2. Financial Help from Microfinance Providers or NBFCs:

There’s another way if need a loan for new business. Basically, this is a lucrative option, if you don’t qualify for a bank loan.

So, if you need a loan for new business, and you’re limited and credit ratings not favored by the bank, this is it for you.

3.Government Programs for startups:

There’s no shortfall in small business financing loan opportunities from the government.

The government of India, as a wing to cater the small business financing loan opportunities in India,  has launched 10,000 Crore Startup Fund in Union budget 2014-15 to improve  the startup ecosystem in India.

4. Bank Loans:

The first choice, when it comes to availing a** small business loan in India** is getting the fund from a bank.

For an in-depth study, small business loan in India through banks comprises providing the working capital loan, and the other is funding.

Working Capital loan  is the loan required to run one complete cycle of revenue-generating operations, and the limit is usually decided by hypothecating stocks and debtors.

For availing a small business loan in India from a bank, the procedure is somewhat detailed and tedious— sharing the business plan and the valuation details, along with the project report, based on which the loan is sanctioned.

5. Unsecured business loans:

There is this one easiest funding options you can look for —run your business with unsecured business loans.

Many digital lending companies offer unsecured business loans – which are loans given to  SMEs without any security of collateral.

These collateral-free loans for SMEs are offered with flexible repayment options, disbursed within a short period of time, to cover short-term needs. The sweet spot is you can apply from anywhere.

Digital lenders offer such loan, provided you meet certain criteria and are able to provide some documents for verification purpose to receive an unsecured business loan.

While the plethora of small business loan options may make it easier than ever to get started, responsible business owners should ask themselves how much margin do they need for the** business loan** for funding their small business.

It’s better to start from the beginning with good corporate governance for a small business loan, as it might get hard to go back later and try to exert fiscal discipline.

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6 Easy ways to keep your Credit Score Eligible for Business Loans

6 Easy ways to keep your Credit Score Eligible for Business Loans

As a small business owner in India, you probably know that keeping a sound credit score is integral for securing a business loan. This is because it tells the lender how trustworthy you are. A high credit score indicates that you pose minimal risk to the lender. So, getting a business loan approval would be a breeze, provided you meet the other standard requirements of the lender – such as annual revenue and overall business experience.

A low credit score, on the other hand, will make it very difficult to get an unsecured business loan, even if you meet or exceed the other requirements.

Exactly, what is a good credit score?

The credit score scale ranges from 300-900. Anything above 750 puts you in good stead to secure a small business loan in India.

How can you check your credit score?

In India, there are six primary credit bureaus to perform credit assessments. They are CRISIL, CIBIL, ICRA, Equifax, CRIF High Mark, and Experian. You can log into any of their websites and check your credit score, before you apply for a small business financing loan.

What can you do if your credit score is low?

A good credit score is the first thing a lender looks for in your business loan application. It is a measure of your ability to clear your debts on time, based on your past transactions. A poor credit score or the lack of one severely dents your chances of seeing the stamp of approval on your business loan application form.

But it is not the end of the road. Even if your present credit score does not cross the threshold mark, there are ways you can rely on to improve and maintain it.

Let us look at 6 of the most important ways:

1.    Keep Regular Tabs on Your Credit Score

Many people make the cardinal mistake of checking their credit score right before they are in need of easy small business loans. This might not give them enough time to deal with a negative remark on their credit score report. On the other hand, checking your credit score periodically – once every 4 or 6 months – will give you ample time to take the necessary steps to counter situations like these, much before applying for a finance for business.

Also, there is a misconception that checking your credit score affects your rating. The reality is when you check your credit score, it is considered a ‘soft inquiry’. Unlike a ‘hard inquiry’, a soft inquiry does not affect your credit score and is not visible to lenders.

2.    Pay ALL Your Debits Timely (even the ones you consider small or insignificant)

Your unpaid debts – credit card bills, EMIs – can be a major roadblock to your application for finance for a business. Any payment defaults will drag your credit score down. Be it a cash crunch scenario or a case of missing the due date, you will eventually lose out on getting a small business loan.

So to avoid such scenarios, ensure that you set reminders for all your monthly payments. You can turn to technology such as mobile phone applications to assist you in this regard. As far as cash crunch scenarios are concerned, effective budgeting beforehand can help you stay out of it.

3.    Avoid Simultaneous Loan Applications

Applying for small business financing loans to multiple lenders in a short time span reflects poorly on your credit score. In such cases, your credit score report will throw up multiple “hard inquiries” – inquiries made by lenders, which will adversely affect your credit score. To a prospective lender, you will come across as a credit hungry person.

Multiple business loan applications can also indicate that your debt burden may increase in the future – a red flag for lenders.

4. Be Wary of Joint Loan Applications

To increase the chances of a business loan application being approved, many turn to joint loan applications for business capital loans. Although this method does improve your chances, what you may miss is a possibility that your co-applicant makes a mistake leading to a default in payment. This will affect your chances of getting** small business loans online**.

5.    Keep an Eye on Your Credit Card Utilisation

For all your credit cards, you have to adhere to one simple rule – do not allow your card utilization to breach 30% of the total credit card limit. This will keep your credit scores stable. A high credit utilization limit can also indicate the possibility of a looming debt burden. If your credit utilization is high, take steps to lower it. Be financially disciplined and avoid using your credit card for all your purchases. Excessive usage allows the lender to look at your spending habits, something best kept to yourself.

A tip – Ask your credit card company to alert you if you are closing in on the utilization limit.

6.    Take A Loan

At first glance, this may seem counterproductive. But, it is actually a very effective way to boost your credit score. This is especially handy if you don’t have a credit score at all. Remember –having no credit history doesn’t qualify you as a good candidate to receive a quick business loan. This is because the lender will have no idea if you can repay on time.

So, take an easy business loan; an unsecured business loan is a better option if you don’t want to risk mortgage. Pay your instalments on time, and if you can, try to close the business loan early. This will help you build your credit score.

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WebCogitate | Artificial Intelligence - Digital Agency

WebCogitate | Artificial Intelligence - Digital Agency

Coined by John Mcarthy in 1956 the concept of how Artificial Intelligence (AI) is defined has changed over time. With that said the AI at its core has always been about creating a computer, a machine, a robot or a software program that can think intelligently, just like a human.
AI as a concept is a much broader than merely a smart computer or a robot as it is generally thought to be. Rather AI is about creating a machine/ computer or software which can mimic and function just like an intelligent human brain functions. It also makes sense to base AI on the human brain as we humans are the most capable to observe, understand and act in accordance to our environment.
And that is where the challenge lies, creating an intelligenceartificially that can from the information provided or collected, learn, observe, understand and provide solutions and take actions and at the same time it should be intelligent, rational and ethical.
In other words, AI is a branch of computer science whose main purpose is to create machines and software as intelligent as humans.


Broadly AI has two major purposes:

  1. Create expert systems: Systems which exhibit intelligent behavior, learn, demonstrate, explain, advice and provide solutions to its users.
  2. Implement human intelligence in machines: Create systems that understand, think, learn and behave like humans.

To further understand or break down the concept of AI we need to understand that AI as a technology or a science is not an independent one but depends heavily on other branches of science such as computer science, engineering, psychology, mathematics, linguistics and biology.
The ability of a system to calculate, reason, perceive relationship and analogies, learn from experience, store and retrieve information from memory, solve problems, comprehend complex ideas, use natural language fluently, classify, generalize, and adapt new situations. All these abilities together create what we call intelligence. Also, there can be multiple type of intelligence, linguistic, mathematical-logical, musical, interpersonal, spatial, bodily-kinesthetic to name a few. You can say a system has artificial intelligence when it is equipped with at least one at the most all of these intelligence.
When we consider the above reasoning we realize that AI is no longer a thing of future, it is in the here and the now. Consider automated cars, virtual reality gaming, factory process flows that require no human interventions. Consider “Siri” or “Alexa” personal assistants who understand human speech and understand what we want or need. Look at services like Apple store or Youtube which suggest us various new music and videos based on what we have previously watched or showed interest in.
In closing, there are only small and simple examples of what AI is capable of. As AI grows exponentially it is imperative to consider its long term impact on the environment and human race.

Author Bio :
WebCogitate Technologies is a Digital Marketing Agency created for companies / startups who want digital Agency / IT solutions for their own business.

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Internet of Things

Internet of Things

The world is talking about Internet of Things (IOT), workplace or outside everyone is intrigued with this new phenomenon. So what is Internet of Things exactly and why are people so intrigued?

IOT can be defined as a network of devices like cars, home appliances and other items embedded with electronics, software, sensors, actuators and connectivity which enables these objects to connect with each other and exchange data. Each object is unique and interconnected within the same internet infrastructure with other devices.

In simple terms, IOT is the concept of connecting multiple devices under a common internet infrastructure so they can be controlled remotely with little to none manual intervention. From everyday objects like your TV, air conditioner, light bulbs, cell phones to hi-tech machinery in factories almost all can be embedded with software and sensors and controlled automatically using IOT.

Gartner, an analyst firm predicts that by 2020 there will over 26 billion devices that could be integrated using IOT. This very clearly suggests that most of our daily objects at work and home will be integrated with IOT making our lives very comforting. IOT devices have the capability of sharing data with each other, thus creating a lot of data about the choices, likes and dislikes of an individual. This can help simplify our lives as a lot of our everyday decisions or choices will be made by these devices automatically. For example; your car may send notifications on your cellphone when it requires servicing or something needs repairing, or on a hot day you can set the air conditioner to cool of your home while you are leaving from your work place.
These are simple examples of what large feats are possible once IOT comes in full force. IOT will bring about a lot of changes not just at home but in the overall environment as a whole. Homes, factories, farms, manufacturing units, service providers all that can be connected will be. And this will have a very strong impact on our lives. Automation, reductions in wastage, energy savings and many other such benefits will result in efficient, clean and smart cities and reduce costs and losses on a huge scale.

With so many positives IOT is not only intriguing but also much awaited. However, another aspect that has a serious impact on us with IOT coming in is personal privacy and security. Do we really want so many connected devices sharing our personal information freely to our service providers? How much privacy are we willing to compromise for IOT? With nations always worried about national safety and terrorism do we actually want so many devices collecting our everyday life information and making it openly available? And what about hacking – with IOT being so huge and everything connected a simple breach may result in huge losses. SECURITY is the biggest concern when it comes to IOT and protocols need to be established and followed very strictly if we are to fully enjoy this life changing concept of IOT.

Discussions on IOT have been going on throughout the globe for many years and the positives and challenges of more and more devices joining under IOT needs to be thought upon. For now all we can do is try to understand more and more about IOT and how it will impact our lives in the near future.

Author Bio :
WebCogitate Technologies is a Digital Marketing Agency created for companies / startups who want digital Agency / IT solutions for their own business.

More Information visit us :


8 Ways to Make Women Entrepreneurs Fly Higher

8 Ways to Make Women Entrepreneurs Fly Higher

In a 2018 Global Entrepreneurialism Report conducted by BNP Paribas, India had the highest percentage of successful women entrepreneurs. Yet, Indian business women face challenges that only they know best. Here are 8 practical tips to help women entrepreneurs flourish:

Today’s activities, planned yesterday
Women are naturally good planners and can make time for things which can appear when least expected, such as needing an instant business loan. Yet, it is best to not leave planning to the last minute. Anticipate likely scenarios, action all plans and ensure a backup plan too.

Outsourcing, outpacing, outstanding
A woman can’t work full-time, manage home, play mom AND have a social life. Hence it is vital to pick critical tasks, and outsource others. This can free up time to do more meaningful things. Even at work, it makes sense to delegate to responsible team members and give time to more important issues.

YOU first
Female entrepreneurs have a busy routine, every day. But me-time must take first priority, no matter how unimaginable it may seem. Spend at least 30 minutes a day on yourself, take a long shower, listen to good music, or take a nap. After all, the happier the leader, the better the business will run.

Work discipline goes a long way
In any home business, it can be easy to work around the clock. It is tempting to push to exceed typical business hours. But following a reasonable schedule is far wiser. Work set hours, and then give time to family or self. Be consistent and set boundaries in professional life to avoid overwork.

It’s ok to ask for help
For many women entrepreneurs, the support system of family and friends is precious. Hence turning to a business partner or colleague always helps. This includes family, friends, and your support system. So, if you want a loan to start business, you can even seek help to apply for a new business loan online.

Create a kid-friendly environment
Imagine if there was no need to choose between kids and careers. Many businesses can start with loan to start business, with ease and flexibility. Or by accommodating a playroom at home by taking a business loan in India without security. This can enable businesswomen be involved in their child’s lives, even during their work hours.

Celebrate sisterhood
Women entrepreneurs need encouragement and support to start a business with ideas that resonate with their abilities, interests and skills. Peer-to-peer learning platforms and associations help women to interact with like-minded leaders, who over a period of time evolve as a strong support system.

Come one, come all
As pillars of families for centuries, women bring people together. As entrepreneurs, they encourage healthy discussions amongst diverse teams, boosting morale and confidence of members. As a business owner, you should aspire to become an inspiration to other women and give each other a chance to flourish. For women, steps like taking a business loan for new business is a great step forward, but running it is a whole different ball game. A few thoughtful ways can help them drive closer to their dream.


Smart ways to utilize funding like a pro

Smart ways to utilize funding like a pro

‘Your business loan is approved’ – these are the words every entrepreneur yearns to hear. But often, the most challenging times begin right at this moment. While your mind is brimming with amazing ideas to make the most of every penny you’ve received from your business finance loan, we suggest you take a chill-pill and mull over the following questions.

Before you even think of a planning how to put the bucks where your mouth is …Chalk-out your repayment plan

Wondering why repayment has come right at the beginning? Because you should think about your present, your recent future and also your far-away future. As you already know, late or missed EMI payments for your business loan in India can damage your credit score and may pose as a road-block when you borrow money in the future. Set up an auto debit as if it were a password to open the door to your future.

With that one vital point ticked, move on to…

Secure the funds in a separate account
If you really wish to utilize the funds in the wisest manner, pretend that the money isn’t there. Safeguard it by keeping it in an account that’s not used for regular expenses or purchases. It is observed that if you have to transfer funds from one account to the other, belonging to different banks, one thinks hard and thus, makes an informed decision. Just transfer necessary funds to your primary account only when you need it. This will also keep overspending of your** business loan** funding under control.

Next, gear up to achieve the hero objective of applying for a small business loan

Get going on your business plan
If business expansion is on your mind, take steady and wise steps. Don’t push too big chunks of funds from your business loan too quickly. For instance, choose renting over buying. It will save up on maintenance costs and avoidable expenditures born out of purchasing equipment needed for a specific time span. Also, control the urge to flaunt expensive business cards, marketing collaterals or over-the-top inventory. Just focus on what is actually needed, till real revenue heaps up.

While you are focusing on the big budget, bigger dream …

Keep an eye on petty expenditures
Often, the smallest of holes lead to biggest leakages. So, ensure that you keep accurate track of how much goes out of your pocket from your business loan finance, and where. These can quickly pile up as a big chunk of outflow and impact your financial projections. Keep a note of the tiny business expenses and review them to cut corners and save-up on precious funds. After all, a rupee saved is a rupee earned.

Receiving funds is the end of the business loan application process. But is the beginning of a growth-oriented future for your business. Just apply smart and thoughtful ideas to take a step ahead towards your goals and also ensure that you’re cushioned enough.

Start your journey right away. Get in touch with Tribe3 for small business loans in India that fit your business.


All season ideas to season-proof your business

All season ideas to season-proof your business

The world revolves around the seasons. And business loans are not insulated in any way. Seasonality affects a major section of businesses. Simply put, an ice-cream business will experience an uptick in summer and a slug in winter; while, it will be quite the opposite for a woollen apparel business.

Just because your business is slow doesn’t mean you have to slow down with it. All you’ve to do is apply smart practices to stay profitable – during low periods or even during complete lulls.
Just master these super impactful tricks to navigate seasonal fluctuations smoothly.

STRATEGIZE: Prep up for the peak season
"Measure twice, cut once" is an old adage that still rings true. Take advantage of the descent to prepare for the peak season. Learn from the last season’s performance of your business. Concretize the reasons behind your success to determine what strategies to continue. Nail down the reasons why you should handle a few things differently. Welcome the season already in your mind so you know what to avoid when your business actually starts to pick up.

REDUCE: Avoid unnecessary expenditures
Seasonal businesses not only have peaks and valleys in terms of sales but also in terms of expenses. Relook at every element that forms your business. In case of a retail business, if the footfalls in your store have quietened, bring down the number of your on-floor staff. Or analyze your per hour sales reports and hang-up the CLOSED sign a little earlier than during the busy season. Lull season also doubles up as a sieve to retain the best you have – from inventory to talent and let go of the redundant elements.

DIVERSIFY: Build alternative income streams.
Look up for ways to bring money in during the off-season and create a bulwark against industry-wide slumps. Though it may look like a diversion from the core business, it will ultimately assist your prime business to counteract the off-season. Find ways to widen your business offerings. For instance, can you sell related or complementary products? Explore the needs of your customer during the off-season, and try to fulfil them. It gives you the double benefit of retaining your loyal clientele as well.
One point of caution: Don't let your focus on the alternative stream overtake your goals of the primary business.

CONNECT: Communication is always in season
During the lull-period, when your competitors are in a quiet mode, make your move. Your audience is just as accessible during the off-season as during its peak. Get in touch with your customers and keep your business on top of their minds throughout the year. Create a buzz by engaging your clients with blogs and social media. Churn up good content for your communication channels. It’s a great way to turn one-time clients into loyal ones.

FORESEE: Save more during busy times
Go by the adage, ‘Make hay while the sun shines’ Make it a habit to set aside a little capital every month for the winter days. Aim to have enough funds in the bank to pay for your expenses when the sales dip. If you act smartly, you will need a minimum amount to keep your business on its feet.

ACCEPT: Even this will pass
Seasons will come and seasons will go. Seasonal fluctuation in your business is a reality and acknowledging it might help you deal with the low times better. Think of better ways to manage your stress. You can also look at the quiet times as a well- deserved break after a power-packed performance during the season.
Your business may be seasonal, but your commitment to it should not be. Apply these tips and find ways to thrive all year round. If you need a financial push, get in touch with *Tribe3 *for a collateral free business loan.


5 must-dos after your business is funded

5 must-dos after your business is funded

Starting your own business has never been a cakewalk. But receiving business loan for new business (finally!) makes it all worth the efforts. Toss the confetti. You’ve reached the START line. Now you have the power and the tools to take further steps and embark on a journey of running a successful business.
What comes next is a mix of business fundamentals that can spring you up to the winning podium. Say hi to these five.

Pen your plans
Ideally, you should have your plan ready much before you seek business loan funding. If not, it is never too late to chalk it out – because, without a plan, it is merely a dream. You just need an outline of business objectives, strategies, sales plan, marketing approaches and more. At the same time, it is also important to not be married to a plan. Businesses often witness that a best-laid plan can be thrown in a trash bin, even after receiving adequate start-up loans for new businesses. The key is to gauge how long to stay with the plan and be ready with plan B.

Value your people
Train, trust, and treat – are the three golden words to follow when you manage your people.

Train them well to do their jobs
Even if you’ve recruited experienced professionals, who have been in a similar role, in their previous stints – training is the first step. Knowing how you want them to handle their jobs makes them feel more competent, increasingly empowered and proud of their contribution.

Trust your team.
Don't be a control freak. Delegate tasks effectively and you will get more and better then you expect. Parallelly, set up a structure to allow your employees to contact you without interfering in your schedule.

Treat them to a reward.
Ignore National Employee Appreciation Day because employee recognition knows no calendar. Make it an important part of your culture all year long to applaud your employees when they are least expecting it.

Market it right
It would have been nice if an ‘Open’ sign on the front door or a website that has finally gone live could fetch you, customers. But life is not that easy. Marketing yourself needs a smart tactic to get spotted in the big, bad crowd. It is important to make potential customers aware of something they may not possess and engage them enough so that they listen to your pitch. Remember, without an impactful, efficient and memorable marketing effort, nobody is going to reach out to you out of the blue.

Impress and engage your customers.
Imagine how you would like to be treated and treat your customers a tad better. Your customers are people and not a mere number or a means to an end. They have a personality, preference and the power to be with you or not. So if you add value to their association with you, you can be sure that you’ve built a strong and lasting customer relationship.

De-clutter your business
When you’re fairly settled in your business, relook at every element that shapes it. Be it an employee that is not adding value, a customer who’s draining your resources, or equipment, documents, furniture that no one uses anymore – remove anything that does not make your workspace happier, healthier or more productive. Don’t forget to count-in the mental clutter within your office space and inside your head.
So, when you attain new heights in your business, come back to these vital points. Mentally put the puzzle together to see how all these small pieces add up to your larger goals. And if you need to fund your bigger dreams, reach out to Tribe 3 for easy business loans in India.

Eazy Business Loan is ideal if you are looking for instant funds to meet urgent business requirements. As a small business owner.

Personal loan for self-employed is an ideal solution if you are looking for urgent funds for personal use.

Apply for a Small business Loan with ease, as you need minimal documentation, and no need for security or prepayment charges.

The Medium start-up business loan comes with transparent interest rates, clear terms and minimal documentation.