Start or expand your venture with a super easy and quick Business Loan with the help of our professionals.

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Start or expand your venture with a super easy and quick Business Loan with the help of our professionals.

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What is Business Loan?

Unpredictable market trends and increasing business needs cause demand for urgent, immediate cash-in-hand. A Business Loan designed for this purpose leverages the advantage of availing of non-secured credit at low-cost interest rates.

Whether you are planning to invest in infrastructure acquisition or upgrading plant or machinery, a Business Loan will cater to all your commercial requirements.

Loan Eligibility

Business Loan Eligibility Criteria

The main advantage of an unsecured loan or Business Loan is to empower you to avail funds without pledging collateral for fulFiling the business needs that you deem fit.

However, to avail of such a facility, you must fulfill the eligibility criteria set by our Partner Banks and NBFCs.


To avail of a business loan, the age limit is:

  • Minimum 18 years.
  • Maximum 65 years at the time of Loan Maturity.
  • Nationality

    Resident Citizen of India with no Criminal Record.


  • Minimum 3 years Own Business Vintage.
  • Minimum Annual Turnover and Profit at Lender's Discretion.
  • Registered Chartered Accountant Audited Balance Sheet Compulsory.
  • No Previous Default with any Financial Institution.
  • Credit Score

    Credit Score of 750 or above.

    Rate Of Interest

    Business Loan Interest Rates

    The percentage of the Principal Business Loan amount payable to the lender as charges for borrowing is known as the Interest Rate or Rate of Interest or ROI. This Rate of Interest typically applies to the principal amount annually.

    Bank Name Interest Rate Processing Fees
    HDFC Bank Ltd 15% 0.01
    IDFC First Bank 16% 0.015
    ICICI Bank 16% 0.015
    Axis Bank Ltd 17% 0.015
    Bajaj Finance Ltd 17% 0.02
    Fedfina 17% 0.02
    Fullerton 17% 0.02
    Poonawala 18% 0.02
    Tata 18% 0.02
    SMC Finance 19% 0.02
    Indifi 20% 0.03
    Lendingkart 19% 0.025
    Dhanvarsha Finvest Limited 21% 0.02
    Loantap 21% 0.02
    Neogrowth 24% 0.03
    Aditya Birla Finance Ltd 18% 0.02
    Hero Fincorp 18% 0.03
    Loan Frame 18% 0.02
    Growthsource 24% 0.02
    IndusInd Bank 18% 0.02
    Kotak Mahindra Bank Ltd 15% 0.02
    Standard Chartered Bank 16% 0.02
    UGRO 18% 0.02
    Yes Bank 16% 0.02
    Edelweiss 18% 0.02
    Axis Finance 18% 0.02


    Business Loan Documents Required

    To avail of a Business Loan, you have to prove your eligibility, and for that, you must furnish all the required documents per the eligibility criteria.

    To kickstart the loan process, you will need the following documents handy so that you can avail of the Business Loan at the earliest.

    Photo Identity Proof: Voter ID/Passport/Aadhaar Card/ Driving License

    Age Proof : Voter ID/Passport/Driving License/Aadhaar Card/Birth Certificate/Secondary School Leaving Certificate/Pension Payment Order or Receipt

    Address Proof : Rent Agreement/Bank Statement/Ration card/Passport/Driving License/Electricity Bill/Property Tax Receipt/Water Bill/Telephone Bill/Credit Card Bill

    Income Proof : 3 Months Salary Statement/ 6 Months Bank Statements

    Income Tax : Form 16

    Employment Proof: Employers Letter/Identification Card

    Self-Employed, Non-Salaried, and SMEs are seeking funds as Business loans will have to provide these additional documents to initiate the loan process:

    Proof of Business


    GST Registration Certificate

    Trade License Partnership Deed

    Article of Association

    Memorandum of Association

    Import Export Code

    Registration Certificate

    Professional Practice License for Doctors, Consultants, and more.

    Registration Certificate of Establishment for Shops, Factories, and Other Establishments

    Business Address Proof

    Income Proof - Financial Statement Audited by CA

    Profit and Loss Account Statement

    Balance Sheet

    6 Months Bank Statements

    3 years of Income Tax Returns

    Income Tax

    3 years of Income Tax Returns or Assessment Orders

    Advance Income Tax Paid

    Don't have all these documents?
    We will help you in preparing these documents

    Just call on

    *Other documents might be required additionally by the department

    Balance Transfer

    Business Loan Balance Transfer

    The process of transferring the outstanding balance of your business loan at your old Interest Rate from your existing bank to the new bank of your choice, offering you a lower Rate of Interest, is known as Business Loan Balance Transfer.

    Business Loan Balance Transfer helps you reduce your EMIs, enabling you to move over to a new lender who offers you a lower Rate of Interest as compared to your existing lender. Also, if you are dissatisfied with the services of your current lender, you can choose this in an authorized way.


    A Business Loan is an amount based on the agreement between the borrower and the lender for the business and business needs. A Business Loan includes starting up a new business, maintaining cash flow, expanding the existing business or buying new equipment, and more in the condition of the business will repay the loan in a pre-decided duration and Rate of Interest.
    Both professionals and non-professionals who are self-employed, including professionals such as doctors, can avail of Business Loans. Business Loans are easy to get at low-interest rates for the below-mentioned customer segments:
  • Partnership Firm
  • Sole Proprietorship
  • Trusts
  • Societies
  • Private Limited Companies
  • Closely held Public Limited Companies
  • Hospitals, Nursing Homes, Diagnostic Centers, Pathological Labs.
  • There are various options available by which you can repay your Business Loans, including Post Dated Cheques, Electronic Clearance Service (ECS), Direct Debit, or EMIs.
    If you cannot repay your loan, or you intentionally default on your loan, then your lender will/may take legal action to recover the loan amount. Seizing collateral is a way to recover the loan amount if it is a secured loan. And, if it is an unsecured loan, the lender will sue you for defaulting on the loan, and the loan recovery will happen as per the court’s order.
    Yes. Some banks allow you to repay your Business Loans through Pre-Closure after a lock-in of 6 months to a year, whereas some banks may allow you to pre-close your business loan after the first EMI is debited from your bank. Also, there might be restrictions, such as using only your money for pre-closing your business loans. For further details, contact the professionals.
    Your EMI depends on the loan amount issued to you. However, for better clarity about your EMIs, you can use the EMI Calculator or discuss it with the lender or bank.
    he maximum Business Loan tenure depends on the loan amount taken and the lender. Usually, the turnaround time to repay a small business loan is three to six years or 60 months. However, it may vary per the terms and conditions set by the lender at the beginning.
    For a Business Loan, the interest rate is fixed.
    You can apply online to get a Business Loan, or you can contact us at 7772877729, and our loan experts will help you avail of your Business Loan.
    The benefits and features of a Business Loan are:
  • Flexibility
  • Affordable High-Value Capital
  • Multipurpose End Usage
  • No Need for Collateral
  • Hassle-free Quick Unsecured Loans, and more.