Reduce Interest Cost

Business loans allow you to continue running the business smoothly at the time of any financial crisis, and therefore, are an essential tool in modern times. You may take business loans to launch a new project, extend the existing business to a new site, and purchase new equipment, office space, and properties.

Business owners are always looking for ways to reduce the interest rates for those business loans. After all, depending on the loan amount, the type of loan, and the health of the business, loan payment can quickly spiral out of control, affecting every aspect of the company. We at Maxigain Capital help you in reducing overall interest cost.


Benefits of Reduced Interest Rates

In case of low or reduced interest rates, business, especially MSMEs and SMEs, and individual borrowers get affected by certain aspects. Reduced interest rates can be good or bad, depending upon your attitude and investments.

For example, you can be motivated to take a personal loan because the interest rates have gone down. At the same time, the reduced interest rate on savings accounts is not good news. 

Let’s discuss some of the benefits that reduced interest rates bring:

  • Impact borrowing costs leading to reduced interest rates on loans and reduced credit card rates
  • Students, entrepreneurs or businesses can choose to lock-in the reduced interest rates on the loan/s taken to be able to avoid increased interest rates in future
  • Reduced interest rates can be a great incentive to finalize a large financial decision such as buying a home, commencing the home renovation project or maybe purchasing machinery. 
  • Reduced interest rates help greatly to cope with credit card debts
  • Reduced interest rates can also incentivize in finalizing or planning investment decisions such as buying an equipment, investing in real estate and similar items which have greater value with time

How Do Reduced Interest Rates Affect Small Businesses?

MSMEs and SMEs are always looking to improve and improvise their business strategies which constantly require capital to work with. Be it upgrading an equipment or performing regular business tasks or simply, handling financial transactions with clients and vendors, loans are one of the most viable options small businesses rely heavily on to meet the goals. 

Reduced interest rates on loans and debts are good news for small businesses. Here are a few reasons why:

  • Reduced cost of debt: With lower interest rates on loans, small businesses cannot only perform daily business errands effectively, but they can also think of expansion. The money saved because of the reduced interest rates can be invested into the business to fuel its progress and development.
  • Greater traffic of clients: Reduced interest rates means more spending power to the customers. Small businesses like MSMEs and SMEs can benefit from this as increased traffic of customers with queries and demands propel the business towards growth and diversity.
  • More creditworthiness for new loans: Small businesses can consider taking up unsecured loans in the case of reduced interest rates. With no collateral to pledge and already low interest rates, business owners can find it feasible to repay the loan on time which further leads to higher creditworthiness which further makes them more eligible for loans in the future. 

Why Maxigain Capital for Reduced Interest Cost on Your Loans?

We design customized solutions for corporates, which range from the traditional working capital limits to unsecured trade finance, bill discounting and other features. We help our clients to overcome the cash flow crunch and maximize the business potential with our innovative solutions. 

Maxigain Capital helps you with:

  • getting maximum loan amount for your business in as less as 24 hours
  • the partnership of a team that comes with a total of century-worth experience 
  • making the loan application process easy, smooth and quick

Our USP lies in bearing a huge network of lending facilities. Once we have gathered all your documents, we span out in the market to get the best deal, and also help you out in the pre and post-application process. You do not have to worry about getting constant inquiry or follow-up calls from the lending facilities because we believe in keeping our clients’ personal details safe and sound. In simple words, you focus on your business while letting us do the heavy lifting, for you! 

We tap all lenders in the marketplace, such as banks, NBFCs, lending platforms, and other financial institutions. This enables us to organize funds on optimum terms for you. 

Reduce Interest Cost

Frequently Asked Questions


Loans with reduced interest rates/cost is a great incentive for individuals and organizations to consider taking a loan or investing into a big financial decision. Here are the benefits why they choose to do so:

  • Reduced interest rates impact borrowing costs leading to reduced interest rates on loans and reduced credit card rates
  • Students, entrepreneurs or businesses can choose to lock-in the reduced interest rates on the loan/s is taken to be able to avoid increased interest rates in future
  • Reduced interest rates can be a great incentive to finalize a large financial decision such as buying a home, commencing the home renovation project or maybe purchasing machinery. 
  • Reduced interest rates help greatly to cope with credit card debts
  • Reduced interest rates can also incentivize in finalizing or planning investment decisions such as buying an equipment, investing in real estate and similar items which have greater value with time

Reduced interest rates on loans and debts are good for small businesses. Here are a few reasons why:

  • Reduced cost of debt: Small businesses can perform daily business errands effectively and at the same time think of business expansion. The money saved because of the reduced interest rates can be invested into the business to fuel its progress and development.
  • Greater traffic of clients: Small businesses like MSMEs and SMEs can benefit from this as increased traffic of customers with queries and demands propel the business towards growth and diversity.
  • More creditworthiness for new loans: With low interest rates, small business owners can find it feasible to repay the loan on time which further leads to higher creditworthiness which further makes them more eligible for loans in the future. 

Maxigain Capital can get you an in-principal confirmation from the bank within 3 working days.  We help MSMEs with:

  • obtaining the maximum amount of loan without needing collateral
  • at the lowest interest rate possible 
  • having the hassle-free and painless procedure in getting the business loan, and
  • having the pleasure of fastest turnaround

Factors That Help in Reducing Interest Cost

CIBIL Score: CIBIL Score or your credit history is the single most important factor that can determine the interest rate of your borrowings. The higher your CIBIL Score, the lower is your interest rate. A higher CIBIL Score signifies you as a responsible borrower with a greater probability of repayment of the debt. And hence, with a good credit history that implies a lower risk, the lender would be willing to offer business loans or any other loans at a significantly lower interest rate.

Good Negotiation: You can always negotiate the lending rates with your lender if you have an existing relationship or if you have a good credit history. It is possible that at times if you have a regular source of income and a good relationship history, the financial institution might offer loans at highly competitive rates, saving you a good deal of money.

Previous Loan Balance Transfer: While existing borrowers who have opted for floating interest rates do get the benefit of rate reductions, to acquire new and healthy customers, financial institutions offer fresh loans at an even better rate to capture a greater market share. Eventually, borrowers can make a smart move and compare the interest rates between various financial institutions. A cheaper rate can save you a lot of money which otherwise would go in the payments of interest. Additionally, a borrower also benefits from other enhanced features such as extending/reducing the tenure which eventually affects the EMI amount in their favor.


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