Business Loans
Business loans are financial products that provide companies with capital for operations, expansion, or specific business needs. Types include term loans (fixed amount with regular payments), SBA loans (government-backed with favorable terms), lines of credit (flexible borrowing up to a limit), and equipment financing (specifically for purchasing business equipment). Qualification typically depends on business credit score, time in business, annual revenue, and collateral offered, with lenders examining business plans and financial statements. Most business loans require documentation like tax returns, bank statements, financial projections, and business licenses.
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Key Features & Benefits
- Tailored loan amounts to meet various business needs, from small startups to large enterprises.
- Funding available for working capital, expansion, equipment purchase, or operational costs.
- High loan amounts depending on business revenue and financial strength.
Empower your business with the right amount of financial support.
- Minimal documentation and a streamlined application process.
- Quick approval and disbursal, ensuring timely access to funds.
- Online application options for added convenience.
Focus on your business growth while we handle the financing efficiently.
- Customizable repayment tenures to suit cash flow and business cycles.
- Options for EMIs or structured repayments based on your business model.
- Prepayment and foreclosure options to reduce interest burden.
Manage repayments in a way that aligns with your business performance.
- Unsecured business loans available for small and medium enterprises (SMEs).
- No need to pledge assets, making it easier for startups to access funds.
- Creditworthiness and business performance determine loan eligibility.
Secure funds without risking your valuable assets.
Tailored Business Solutions
We understand every business is unique. Our expert financial advisors work closely with you to create customized loan solutions that match your specific business needs and growth plans.
Quick Decision & Disbursement
Time is crucial in business. Experience our streamlined application process with fast approval decisions and quick fund disbursement to keep your business moving forward.
Frequently Asked Questions
A business loan is a financial product designed to help businesses meet their financial needs, such as funding working capital, purchasing equipment, expanding operations, or managing cash flow. The lender provides the required funds, and the borrower repays the loan in installments (EMIs) over a predetermined tenure, along with interest.
Eligibility criteria may vary by lender but generally include:
- Business vintage (typically 2–3 years in operation)
- Annual turnover and profitability
- Good credit score (usually 650 or above)
- Proof of a stable business and repayment capacity
- For startups, a well-documented business plan may be required
Lenders may also assess existing liabilities and business growth potential.
Commonly required documents include:
- Proof of business registration (GST certificate, business license, etc.)
- Identity proof (PAN card, Aadhaar, passport, etc.)
- Address proof (utility bills, rent agreement, etc.)
- Bank statements (typically for the last 6–12 months)
- Income tax returns (ITRs) for the past 2–3 years
- Financial statements (balance sheet, profit & loss statement)
Additional documents may be needed based on the type of loan and lender requirements.
Yes, many financial institutions offer unsecured business loans that do not require collateral. However, these loans may have slightly higher interest rates compared to secured loans. Eligibility for unsecured loans is typically based on factors like creditworthiness, business performance, and revenue.
Interest rates for business loans vary based on the lender, type of loan (secured or unsecured), loan amount, and borrower’s credit profile. Rates typically range from 8% to 24% annually. Repayment tenures are flexible and can range from 12 months to 5 years or more, depending on the loan type and borrower’s needs.
