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Business LoanBusiness loans up to ₹50 lakh
Working capital and growth funding for proprietors, partnerships, LLPs and private limited companies, without collateral.
Check eligibility₹50LMaximum amount
14%Rates from (p.a.)
12–60Months tenure
2–3%Processing fee + GST
Eligibility
- Business running for at least 2–3 years with filed ITRs
- Annual turnover typically ₹10 lakh+ (varies by lender)
- Promoter aged 21–65 with a credit score of 650+
- GST registration where applicable
Documents
- PAN and Aadhaar of the promoter; business PAN
- Last 2 years’ ITR with computation
- Last 12 months’ bank statements
- GST returns, registration certificate or shop act licence
What lenders look at
Cash-flow stability in bank statements, GST turnover trends, existing debt obligations and the promoter’s personal credit history. Seasonal businesses should apply after a strong quarter.
Alternatives to consider
- Overdraft or cash-credit facility for fluctuating needs
- Invoice discounting for receivables
- Government-backed schemes such as CGTMSE-covered loans
Growing your business?
See which lenders fit your turnover and tenure.