Build credit rating with SME rating agencies like Crisil/CIBIL - www.crisil.com.
5 Cs of credit: Touch points often used to judge your ability to repay debt are Credit History (bills paid on time); Capacity (to repay debt); Collateral (assets offered as security); Capital (Business cash and assets); Character
Manage excess capital well. If necessary, consult with an investment professional. Apply for and use business credit cards to establish and build a business credit history in India.
Use business credit lines or business term loans to expand business and not cash and personal credit cards.
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