Business finance
Business Loan
Working funds for expansion, inventory, hiring or a new location — without pledging property. Lenders assess banking turnover, GST filings and business vintage rather than security, so a well-presented file matters enormously.
- Interest rate
- 14% – 26% p.a.
- Loan amount
- ₹3 Lakh – ₹75 Lakh
- Tenure
- 12 – 60 months
- Processing fee
- 1% – 3% of loan amount
Features
What the business loan gives you
- No collateral required up to ₹75 lakh with strong banking
- Assessment on GST turnover and bank credits, not just ITR
- Flexible EMI or bullet structures for seasonal businesses
- Top-up available after 9-12 months of clean repayment
- Multi-lender parallel processing to secure the best sanction
Eligibility
Who qualifies
- Business vintage of at least 2 years at the same line of activity
- Annual turnover of ₹40 lakh or more
- Minimum ₹2 lakh average monthly bank credits
- Filed ITR showing profitability for the last 2 years
- Applicant aged 23 to 65 years with a 700+ credit bureau score
Documents
Checklist to keep ready
KYC
- • PAN of applicant and entity
- • Aadhaar
- • Photographs
Business Proof
- • GST registration certificate
- • Udyam / MSME registration
- • Partnership deed or MOA & AOA
- • Shop & Establishment licence
Financials
- • 12 months current account statements
- • ITR with computation for 2 years
- • Audited financials with schedules
- • Last 4 quarters GST returns
Calculator
Estimate your EMI and eligibility
Indicative figures only. Your final rate depends on the lender's assessment of your credit profile, income and, for secured loans, the property.
Monthly EMI
₹56,681
- Principal
- ₹20,00,000
- Total interest
- ₹7,20,667
- Total payable
- ₹27,20,667
Your personalised explanation will appear here. Indicative only — final approval depends on the lender.
Want the full picture?
Read our written eligibility guide — how FOIR at 80% of income works, credit score bands, and eligibility checklists for all 13 loan products.
Read the Eligibility GuideFAQs
Business Loan questions
Related loan services
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