Ezmyloans || Loans

Stress Assets Finance

In general, stress assets are the most important sign of a bank's health. The quality of assets ratio indicates the amount of loan taken out by borrowers, whether interest and principal are repaid. This facility lends money to the promoters of stressed assets in the MSME sector.

Low Initial Payment

Enticing EMI

Instant Acceptance

No guarantor

Quick response

Direct Deposit

Essentials

Eligibility Criteria

The applicant should be between the ages of 22 and 60.
MSME Sector Promoter
A strong credit history is required.
The CIBIL score should be greater than 750.
Applicants must be Indian citizens.

Documents Required

Individual

Two Photographs
Pan Card Copy
Aadhar Card + Passport
Address Proof (If Rented, also provide Permanent Address Proof)
Last 3 Years Form-16, ITR with Computation of Income (if filed)
Loan Schedule & Sanction Letter (If Running)
Complete Property Papers with Chain & Map + ATS
Processing Fee Cheque in favour of the Bank
Last 3 Months’ Salary Slip + Appointment Letter

Proprietorship Firm

Photograph (Both)
Pan Card Clear Copy (Proprietor)
Address Proof (Passport, Voter ID Card) - Proprietor
Office Address Proof Latest (Electricity Bill, Telephone Bill)
Firm Registration Certificates & GST Registration Copy
Last 1 Year GST Return Copy
Firm 3 Years ITR Computation, Profit & Loss A/C, Balance Sheet, Tax Audit Report, All Schedules & Annexures
Provisional Financial AY 2023-24
Bank Accounts (Current, CC, OD) – Last 1 Year Updated
6 Months Saving Account Statement Updated (Proprietor)
Running Loan – Sanction Letter & Repayment Schedule
Agreement to Sell Copy
Property Papers with Chain & Sanction Map

Partnership Firm / LLP

Photograph (Partners)
Pan Card – Company and All Partners
Address Proof – All Partners (Passport, Voter ID, PAN Card, Aadhar)
Firm Address Proof – Latest Utility Bill
Partnership Deed Copy
GST Certificate
Last 1 Year GST Returns
3 Years Company ITR, COI, P/L A/C, Balance Sheet, Audit Report (3CB, 3CD), All Annexures & Schedules (CA Certified)
Provisional Financial AY 2023-24
3 Years All Partners' Individual ITR + Computation
Firm's All A/C Bank Statement – 1 Year Updated
All Partner Saving A/C Statements – 6 Months
Running Loan – Latest Sanction Letter + Track Record/Repayment Schedule
Agreement to Sell Copy
Complete Property Papers with Chain & Map

Private Limited Company

All Directors’ Photographs
Clear Pan Card – Company and All Directors
Address Proof – Company and Directors
List of Directors & Shareholders – CA Certified (As on Date)
Memorandum – Complete Copy (If Applicable)
GST, Sales, VAT, and SSI Registration Certificates
1 Year GST Returns
All Directors’ Individual ITR & Computation – Last 3 Years
Last 3 Years Complete Financials with Tax Audit Report and Annexures
Provisional Financials FY Last Year or Month-wise Sales Figure – Last 1 Year
Company's All Bank Account Statements – 1 Year Updated
All Directors’ Saving A/C Statements – 6 Months