Self employed folks, where do you get your credit/loans from?

24% annual rate of interest 🤪 Wondering if it can be useful and if anyone has used it for anything apart from 2-3 month borrowing periods.

I tried Paytm payments Bank but payment options were fairly limited. Deactivated after a few months. Has anyone tried this one? Is there even a point to such loans apart from emi/big purchases?

I will complete 3 years as a professional soon. Quit a Big4 to join a startup for better pay and faster growth but despite putting in my best work and leading initiatives, going above and beyond all the time, my peers are all earning better than me doing similar jobs. i never had a financially aware upbringing. my father put us through hell due to his bad decision making and despite me being very financially savvy, am unable to save any money because im so anxious I tend to spend what I dont have. i had to take up a lot of freelancing to aid my lifestyle but now im busy all the time and have no time to myself. idk what to do. idk how much savings my parents have since I live away from them and dad never discusses his larger financial plans with me. he also does not have a stable job even at his age even though I know he is v hardworking and does his best. i feel i will never have enough money to support my parents and myself and feel like im running out of time. also doing interviews to leave this shitty company as well which is lowballing tf out of me. im not sitting idle at all, trying to startup on the side as well. i workout, eat and sleep healthy, have a great social life. the only problem is money which im constantly worrying about. i feel its a generational curse passed down to me. I know I have 10x earning capabilities but its all so vague and uncertain. I have an amazing support system and I know I can talk to my friends about this too. just thought of coming here first please share stories if youve ever felt this way. open to advice feedback ideas. how did you get out of it? what can I do? what are some business/sales roles that pay really well that I can get into as an ex-big4 analyst? i dont think my current profile translates well anywhere. f*ck this company honestly. probably the worst decision I made coming here :(

Hey folks! I saw slice ad saying they are offering some upto 5 l interest free loan. Checking that out. But what companies are offering loan at some extremely low interest rates? I am assuming banks would charge a premium vs the tech companies. I am looking for some 2-4l loan purely because I can earn more via trading than the interests I'd pay for loan.

thought on p2p lending as a investment like Cred mint, 12 percent club, OkNivesh (okcredit) Grip Invest, India P2P etc. i do not faced any problems with withdrawal and i used Cred mint and 12 percent club but scared as might be chances there NPA will increased and i might not able to withdraw my whole month i kept around 8L in cred mint and 3L in 12 percent club your thoughts?

Please suggest a way to get out. I am stuck in a financial situation of extreme debt of about 3000000 with a family monthly salary of 130k and I have a toddler too. Need a quick way to get money to get out of this situation.

Hello, I have been running my Recruitment and HR consulting firm as a proprietor for the last 2 years and doing pretty fine. I now have a good number of clients which suffice to expand our services. Hence, I am planning to set up an office in Pune and hire a team of recruiters. However, I need some funding of around 8 Lakh to run the operations. I heard about various MSME Loans but not sure how to go about it. I am urgently seeking a help to understand the process.

I have been banking with Axis bank and have a turnover of few Crs in my biz but these guys don't provide an unsecured OD or credit line. Whereas, ICICI has a product that does that but I'm a new customer to them so wouldn't open it up to me unless for a small amount like 1-2 lacs (I've spoken to them) they need time and transactions for OD to go about 15-25lacs which is what I need. Times are tough and my credit score has fallen due to some reason so RazorpayX wouldn't give me LOC or OD either. any other options I can look at? Ready to open new current account with anyone who does.

All the cool marketing and UI/UX aside I find myself wondering what's up with Cred? Here are my questions, knowledgeable product folk or better yet people from Cred or who worked at Cred can you please help with the following questions (and associated complaints) 1) What's the point of the store anymore? The brands are actually far less premium than they're made out to be. Plus you don't get access to exclusive products. 2) The reward system is just sad now, why have they changed the logic and reduced the monetary rewards so much? What were just PLG features like earning cashback for referrals is a voucher now plus the Rs. 1 cashback is just insulting at this point. 3) I used cred cash once and I'm not going to need much more. But I'm wondering if you're catering to the top 1%, do they really need liquidity at 9% interest? 4) Cred Mint seems like a worthwhile proposition, however the returns are only marginally better than the best FDs out there. Also if they're partnering with Liquiloans, which primarily lends to other startups, isn't that risky? How will they guarantee returns if someday Liquiloans goes under?