Empower Your Business with Flexible Funding

Achieve more with loans that adapt to your business journey.

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Why Business Loans?

A business loan provides essential financial support for entrepreneurs, startups, and growing enterprises. It enables businesses to manage working capital, invest in expansion, purchase equipment, or meet urgent operational needs without straining existing resources. With flexible repayment terms, fast processing, and often no collateral required, business loans are a reliable way to maintain cash flow and fuel growth. Whether you’re scaling up or stabilizing operations, a business loan helps turn your business goals into reality.

Purpose of Business Loan

Business loans serve as a powerful financial tool to support the various needs of a business—whether it’s launching, managing day-to-day operations, or expanding into new markets. Here are the most common and impactful purposes for availing a business loan:
  • Working Capital Management
  • Business Expansion
  • Inventory Purchase
  • Machinery or Equipment Purchase
  • Office Renovation or Infrastructure Setup
  • Debt Consolidation
  • Marketing & Advertising
  • Technology Upgrade
  • Hiring & Training Staff
  • Emergency or Contingency Funding

Features and Benefits

No Collateral Required

Get unsecured business loans—no assets or property needed as security, making it ideal for small businesses and startups.

Flexible Loan Amount & Tenure

Avail up to ₹50 Lakhs with repayment options from 12 to 60 months, based on your business needs.

Quick Processing & Disbursal

Loan approval and fund disbursal within 48–72 hours to support time-sensitive business operations and emergencies.

Boost Business Growth

Use funds for expansion, hiring, marketing, or upgrading operations to scale your business with confidence.

Maintain Cash Flow Stability

Manage operational expenses, supplier payments, or seasonal dips in revenue without disrupting business continuity.

Improve Business Credit Score

Repaying EMIs on time builds your credit profile and unlocks future high-value loan opportunities.

Eligibility Criteria for Business Loan

  • Applicant Age: Must be between 21 and 65 years at the time of loan maturity.
  • Business Vintage: Business must have a minimum operational history of 1–2 years, depending on the loan amount and lender policy.
  • Business Type: Sole Proprietorships, Partnerships, Limited Liability Partnerships (LLP), Private Limited Companies, Self-Employed Professionals
  • Annual Turnover: A minimum turnover of ₹10 Lakhs may be required, subject to lender guidelines and loan value.
  • Credit Score: A healthy credit profile is preferred, with a CIBIL score of 650 or above increasing approval chances.
  • Income Tax Returns (ITR): ITR filings for the last 1–2 financial years are generally required as proof of business income.
  • Bank History: Stable monthly cash flow with active bank transactions over the past 6 to 12 months is essential.
  • Business Location: The business must be legally registered and operating within India.

How to Apply for Business Loan

Step 1

Check Eligibility

Ensure your age, business type, and turnover meet the loan eligibility criteria before proceeding with the application.

Step 2

Choose Loan Amount & Tenure

Decide the loan amount and repayment tenure based on your business requirements and monthly cash flow capacity.

Step 3

Submit Application Form

Fill in your business and personal details accurately in the loan application form—online or with expert support.

Step 4

Upload Required Documents

Upload KYC documents, business proof, bank statements, and ITRs securely to begin the verification process.

Step 5

Verification & Approval

Decide the loan amount and repayment tenure based on your business requirements and monthly cash flow capacity.

Step 6

Receive Loan Disbursal

Fill in your business and personal details accurately in the loan application form—online or with expert support.

Documents Required for Business Loans

When applying for Business Loan, having all the necessary documents in place is crucial. You will need:

  • PAN Card – For Company/Firm/Individual
  • Proof of Identity – Aadhar Card, Passport, Voter’s ID Card, PAN Card, Driving License
  • Proof of Address – Aadhar Card, Passport, Voter’s ID Card, Driving License
  • Bank statement of the previous 6 months
  • Latest ITR along with computation of income, Balance Sheet and Profit & Loss account for the previous 2 years, after being CA Certified/Audited.
  • Proof of continuation (ITR/Trade license/Establishment/Sales Tax Certificate)

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Frequently Asked Questions (FAQs) – Business Loans

A business loan strengthens working capital, supports expansion, and ensures smoother daily operations without using personal funds or diluting ownership.

Lenders evaluate business vintage, annual turnover, credit score, bank statements, ITRs, and your overall repayment ability before approving a loan.

Yes. Some lenders offer loans to startups with stable revenue, proper registrations, and clean banking and credit history.

Secured loans offer lower interest rates but require collateral. Unsecured loans provide faster access with no asset pledge requirement.

Most sectors including retail, services, manufacturing, trading, healthcare, and professionals like doctors or CAs are eligible for business loans.

Yes. If your business has steady cash flow and strong documents, some lenders may approve loans despite weaker credit scores.