Kissht - How To Plan Out Your Business Loan Repayments
                     
UNDERSTAND YOUR LOAN TERMS AND 
REPAYMENT OBLIGATIONS
Before you even start repaying, it’s crucial to 
understand the complete terms and conditions 
of your loan. Here are key aspects to review:
1.Loan Amount – How much you’ve borrowed 
and the principal balance remaining.
2.Interest Rate – Whether it is a fixed or 
floating rate and how it impacts your EMI 
(Equated Monthly Installment).
3.Loan Tenure – The repayment period and 
whether you can make early payments.
CHOOSE A REPAYMENT STRUCTURE THAT 
MATCHES YOUR BUSINESS CASH 
FLOW
Not all businesses have steady monthly income. Depending 
on your revenue cycle, choose a repayment structure that 
suits your cash flow:
Fixed EMI Plan – Ideal for businesses with consistent 
income streams, where EMIs remain the same 
throughout the loan tenure.
Step-Up EMI Plan – If your revenue is expected to 
increase over time, this plan starts with lower EMIs that 
gradually rise.
Bullet Repayment Plan – Suitable for businesses with
seasonal income. You make small EMI payments with a 
bulk payment at the end of the term.
MONITOR YOUR CREDIT 
SCORE REGULARLY
Your credit score plays a crucial role in securing 
future loans with better terms. Late payments on 
your online instant loans can significantly lower 
your credit score.
Pay all EMIs on time
Avoid multiple loans simultaneously
Use financial tracking tools or loan apps to 
manage debt efficiently
CONCLUSIO
N
A business loan can be a game-changer for your company, helping you expand, 
manage cash flow, or handle unforeseen expenses. Kissht provides an efficient and 
trustworthy way to apply p ersonal loan or business loan with ease. With instant p 
ersonal loan options, quick approvals, and competitive rates, Kissht ensures your 
business never faces a financial roadblock.