Business Loan
Unsecured funding to grow, expand or stabilise your business.
Collateral-free business loans to manage cash flow, purchase equipment, expand operations or seize new opportunities — with fast approvals.
Interest rates and terms are indicative and subject to lender approval.
Business Loan
Key features
- Collateral-free up to ₹5 Cr
- Tenure up to 5 years
- Minimal paperwork
- Disbursal within 5 working days
Eligibility
- Business vintage of 1+ year
- Minimum annual turnover criteria
- Healthy banking & credit profile
Documents
- KYC of business & promoters
- GST returns & bank statements
- ITR (2 years)
- Business proof
In depth
Understanding Business Loan
A Business Loan is unsecured or secured financing provided to companies and entrepreneurs to fund capital expenditures, operational costs, or expansion plans.
- The Mechanism
- Loan Amount = Evaluated based on the business's vintage, annual turnover, and profitability metrics.
- Key Components
- Business financials, Cash flow statements, and Promoters' credit scores.
- What the Results Mean
- Securing a business loan fuels growth and operational stability without diluting equity.
- Smart management
- Forecast the Return on Investment (ROI) of the borrowed funds; profits generated should exceed the cost of borrowing.
Regulatory source
Overseen by the RBI through Master Circulars on Bank Finance for working capital and term loans.