Tips to get loans and tide over a cash crisis in these difficult times

You are more likely to get one from a bank with which you already have a relationship

Mansi Singh (name changed on request), 42, is a Mumbai-based self-employed professional, who offers branding and marketing communications related consulting to a US-based company and to another firm in the city. The US company has terminated its contract and the Indian firm’s revenues have also taken a hit. “I have had no assignment for the past month and a half. A lot of my funds are locked up in the market, which I don’t want to sell at a loss. I had one month's emergency fund which I have exhausted,” says Singh, who plans to borrow against her gold jewellery