Business Loan
Funding that keeps pace with your business.
From managing working capital to buying stock or opening a new branch, we arrange business loans and credit limits that suit your cash flow. We help you choose between term loans, overdrafts and government-backed schemes, and present your financials in the way lenders want to see them.
- Loan amount
- ₹1 lakh to ₹5 crore
- Tenure
- 1 to 5 years
- Collateral
- Not needed for unsecured loans
- Processing
- 3 to 7 working days
Choose the business loan that fits you
Not sure which one is right? Tell us your situation and we'll recommend the best fit.
Unsecured term loan
A lump sum for expansion, renovation or equipment, with no collateral.
Working capital / OD / CC
A credit limit you draw and repay as needed; interest only on what you use.
MSME & government schemes
Loans under schemes such as CGTMSE and Mudra, with credit guarantee cover.
Machinery loan
Buy new or used machinery for your factory or workshop.
Invoice / bill discounting
Get cash against unpaid invoices from your reputed buyers.
Secured business loan
Higher amounts and lower rates against property or other collateral.
Why people choose our business loan advice
- Unsecured options for eligible businesses
- Repayment structured around your cash flow
- Support with financial statements and projections
- Access to banks, NBFCs and fintech lenders
- Renewal and enhancement of existing limits
Who can apply, and what it costs
We check your eligibility before applying, so there are no surprises and no unnecessary hits to your credit score.
- Proprietors, partnerships, LLPs and private limited companies
- Businesses running for 2 years or more
- Profitable with regular GST returns
- Healthy banking transactions and credit history
- Processing fee, usually 1% to 2%
- Documentation and stamp duty charges
- Prepayment or foreclosure charges on some term loans
- Renewal fee on working capital limits
Business Loan interest rate: what decides it?
Business Loan interest rates change with the market and differ from lender to lender, and even between two applicants at the same bank. These are the factors that decide the rate you are offered.
What it depends on
- Credit (CIBIL) score: 750 and above usually gets the best rates
- Income, job or business stability and employer profile
- Existing EMIs compared with your income (FOIR)
- Loan amount, tenure and, for secured loans, the loan-to-value ratio
- Fixed or floating rate, and the lender's benchmark (repo / EBLR / MCLR)
- Processing fees and offers running at that lender
How to get a lower rate
- Compare several banks and NBFCs before applying; we do this for you
- Improve your credit score and clear small dues first
- Add an earning co-applicant to raise eligibility
- Negotiate the processing fee, not only the interest rate
- Review your loan every year and switch if a better rate is available
Documents required for Business Loan
Choose your applicant type to see the checklist. Keep self-attested copies ready; we'll collect and verify them for you.
Document Proof
6 items- Aadhaar Card
- PAN Card
- Voter Card
- Driving Licence
- Utility Bill (Electricity / Water)
- Passport
Income Proof
4 items- Income Tax Return (2 yrs)
- Bank Statement (12 months)
- Current Salary Slip (if salaried)
- Form 16 (if salaried)
Document Proof
7 items- Utility Bill (Electricity / Water / Telephone)
- Bank Statement
- GST Certificate
- Udyam Certificate
- Aadhaar Card
- PAN Card
- Passport
Income Proof
3 items- Income Tax Return (2 yrs)
- GSTR (3 yrs)
- Bank Statement (12 months)
Document Proof
6 items- Utility Bill (Electricity / Water)
- Bank Statement
- GST Certificate
- Company PAN Card
- MOA / AOA / COI
- Udyam Certificate
Income Proof
5 items- Income Tax Return (2 yrs)
- GSTR (3 yrs)
- Bank Statement (12 months)
- Audited Balance Sheet (2 yrs)
- Complete Balance Sheet with Audit Report (3 yrs)
The exact list can vary by lender and your profile. Not sure what applies to you? Our advisor will confirm in one call.
From first call to disbursal
Scroll through the steps to see what we do at each stage.
Expert tips before you apply
- 1File ITR and GST on time; lenders weigh consistency heavily.
- 2Keep business and personal banking separate to show clear cash flow.
- 3Use an OD limit for short-term needs and a term loan for long-term assets.
Business Loan: common questions
Talk to an expert today
Share a few details and we will call you back. The first consultation is free.
- Call us+91 92122 66375
- WhatsAppChat with an advisor
- Office hoursMon to Sat, 10:00 am to 7:00 pm
Request a call back
We usually respond the same working day.
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