Flexible Funding to Power Your Business Growth
Get the financial support your business needs to expand operations, manage working capital, purchase equipment, or invest in new opportunities. Our business loan solutions are designed to help entrepreneurs grow with confidence, flexibility, and reliable financial backing.
Why Choose Our Business Loan?
- Loan amount up to ₹5 Crores
- Competitive interest rates
- Flexible tenure options
- Minimal collateral requirements
- Quick approval process
- Customized repayment solutions
Personal Loan Benefits
Business Expansion
Get funding support to grow your operations, launch new services, or expand into new markets.
Working Capital
Maintain smooth cash flow and manage daily operational expenses without financial stress.
Equipment Purchase
Invest in machinery, vehicles, tools, or technology to improve productivity and business performance.
Commercial Property
Get financial support for purchasing, renovating, or constructing commercial property for business use.
Eligibility Criteria
Business Type
Available for proprietorships, partnerships, LLPs, private limited companies, and other eligible business entities.
Business Vintage
A minimum period of active business operation is generally required for eligibility.
Turnover
Businesses should meet the minimum turnover criteria as per lender requirements.
Age
The business owner, partner, or director should fall within the eligible age limit.
Required Documents
Business Documents
- Business Registration Certificate
- GST Registration (if applicable)
- Shop & Establishment Certificate
- Partnership Deed (for partnerships)
- Memorandum & Articles of Association (for companies)
- Business License/Industry Specific Licenses
Financial Documents
- Income Tax Returns (ITR) for last 2-3 years
- Audited Financial Statements (Balance Sheet & P&L)
- Bank Statements for last 6-12 months
- GST Returns (if applicable)
- Business Cash Flow Statement
Owner / Director Documents
- KYC Documents (Aadhaar, PAN, Passport, etc.)
- Proof of Address
- Photograph
- Personal ITR (if required)
Photographs
- Property Documents
- Valuation Certificate
- Property Insurance Documents
- NOC from existing lenders (if property is mortgaged)
Interest Rates & Charges
Competitive Interest Rates
Competitive rates tailored to your business needs.
- Starting from 12% p.a.
- Varies based on business profile
- Depends on collateral offered
Processing Fee
Transparent and reasonable processing charges.
- 1-2% of loan amount
- Minimum ₹10,000
- Depends on loan amount
Other Charges
Additional charges that may apply to your loan.
- Prepayment penalty: Up to 4%
- Documentation charges: ₹5,000-15,000
- Late payment fee: 2-3% p.m.
Frequently Asked Questions
What types of business loans do you offer?
We offer business loan solutions for working capital, expansion, equipment purchase, commercial property, and other business growth requirements.
Is collateral mandatory for business loans?
Collateral requirements depend on the loan amount, business profile, and lender policy. Some business loans may be available with minimal or no collateral.
How long does the business loan approval process take?
The approval process usually takes 3 to 7 business days after all required documents are submitted. For smaller or unsecured loans, approval may be faster. Once approved, the loan amount is generally disbursed within 2 to 4 business days. Larger loan amounts or cases involving collateral verification may require additional time.
Can startups apply for business loans?
Yes, startups can apply for business loans, though options may be more limited than for established businesses. Startups with 6 to 12 months of operations and a strong business model may qualify under startup-focused loan programs. Approval often depends on a solid business plan, the founders’ personal credit score, and sometimes additional collateral or security.
What factors affect business loan interest rates?
Business loan interest rates depend on several factors, including your credit profile, business age, annual turnover, profitability, industry type, collateral, loan amount, and repayment tenure. Businesses with strong financial performance, longer operating history, and good collateral generally receive better and lower interest rates.