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No collateral · Disbursed in 3 days

Business Loan
Up to ₹50 Lakhs

Unsecured business loans starting at 14% p.a. for MSMEs, self-employed, and startups. Quick approval, minimal paperwork, no asset pledge.

₹50L
Max Loan
14%
From p.a.
3 Days
Disbursal
Zero
Collateral
✓ No collateral needed ✓ 100% digital ✓ Flexible use of funds ✓ RBI regulated lenders

Apply for Business Loan

Check eligibility instantly. No credit score impact.

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🏆
2.5 Crore+
Customers
⚡
72 Hours
Avg Disbursal
🏦
85+
Lenders
🔒
No Collateral
Required
⭐
4.5★
Rated App

Compare Business Loan Interest Rates 2025

Rates vary by lender, credit profile, business vintage, and turnover.

Lender Interest Rate Processing Fee Max Amount Max Tenure
H
HDFC Bank
10.75% p.a. Up to 2% ₹1 Crore 4 Years Apply →
I
ICICI Bank
10.50% p.a. Up to 2% ₹75 Crore 5 Years Apply →
A
Axis Bank
10.99% p.a. Up to 2% ₹35 Lakhs 4 Years Apply →
S
SBI
9.10% p.a. Up to 0.65% ₹50 Lakhs 5 Years Apply →
B
Bajaj Finance
14% p.a. Up to 4.72% ₹80 Lakhs 8 Years Apply →
T
Tata Capital
12% p.a. Up to 3% ₹90 Lakhs 6 Years Apply →
L
LendingKart
17.25% p.a. Up to 3% ₹50 Lakhs 3 Years Apply →
K
Kotak Bank
9.50% p.a. Up to 2% ₹1 Crore 5 Years Apply →

* Rates indicative. Final rate depends on business vintage, turnover, credit score, and lender policy.

Business Loan EMI Calculator

Estimate your monthly repayment before applying.

Loan Amount ₹
₹50K₹50L
Interest Rate (p.a.) %
10%30%
Tenure Months
12M60M

Monthly EMI

₹

for months

Principal
₹
Interest
₹
Total
₹
Principal (%) Interest (%)
Apply at This EMI →

Who Can Apply for a Business Loan?

We support all types of businesses across India.

🏪

Sole Proprietors

Shop owners, traders, and individual business operators.

🏢

MSMEs

Micro, small and medium enterprises registered under Udyam / MSME.

👨‍⚕️

Self-Employed Professionals

Doctors, CAs, architects, consultants with private practice.

🤝

Partnerships & LLPs

Partnership firms and LLPs needing expansion capital.

🚀

Startups

Early-stage companies with 1+ year operational history.

🏭

Manufacturers

Manufacturing units needing raw material or machinery funds.

Eligibility Criteria

👤
Age
21 to 65 years at time of loan maturity
📅
Business Vintage
Minimum 1–2 years operational (some lenders accept 6 months)
💵
Annual Turnover
₹5 Lakhs+ (varies by lender and loan amount)
📊
CIBIL Score
650 or above recommended (700+ for best rates)
📄
Business Proof
GST certificate, Udyam registration, or trade licence
🏦
Bank Statements
Stable cash flow in last 6–12 months bank statements

Use of Business Loan Funds

💼
Working Capital
Meet day-to-day expenses, pay salaries, manage cash flow gaps.
🏗️
Business Expansion
Open new branch, hire staff, or enter new markets.
⚙️
Equipment Purchase
Buy machinery, computers, vehicles, or tools.
📦
Inventory
Stock up before peak season or secure bulk purchase discounts.
📣
Marketing & Growth
Invest in digital marketing, advertising, or brand building.
💻
Technology Upgrade
Software, hardware, or digital transformation investments.

Documents Required for Business Loan

Keep these ready for faster processing.

🪪

Identity Proof

PAN card, Aadhaar card, passport, or voter ID

🏠

Address Proof

Aadhaar, utility bill, rent agreement, or passport

📋

Business Proof

GST certificate, Udyam, shop licence, or company registration

💰

Income Proof

ITR, audited P&L, and balance sheet (last 2 years)

🏦

Bank Statements

Last 6–12 months current account statements

📑

Tax Documents

GST returns, ITR, and tax challans

🤝

Ownership Proof

Sole prop declaration, partnership deed, MOA/AOA

📷

Other

Passport photo, cancelled cheque, loan application form

How to Apply for a Business Loan

Entirely online. No branch visits.

📱
1

Enter Mobile

OTP verification

📝
2

Business Details

Type, vintage, turnover

⚡
3

Get Offers

Matched with 85+ lenders

📄
4

Upload Docs

GST, ITR, bank statements

💰
5

Get Funded

Disbursed within 72 hours

Apply Now — Free & Instant →

Business Loan FAQs

Most lenders require 1–2 years operational history. Some fintech lenders accept 6 months with strong GST returns and bank statements.
No. All business loans through IndiaLoans are unsecured — no property, gold, or assets need to be pledged.
Rates start from 14% p.a. Your specific rate depends on credit score, business vintage, annual turnover, and the lender's risk assessment.
A score of 700+ is preferred. However, some lenders consider GST returns and bank statement cash flows even for applicants with lower scores.
After document submission, most business loans are approved within 24–72 hours. Disbursal follows within 1–2 business days.
Typically 12–60 months. Secured business loans may offer longer tenures. Use the EMI calculator above to plan.
Yes. Working capital is one of the most common uses — paying salaries, vendor payments, managing cash flow gaps before receivables arrive.

Grow Your Business Today

Compare 85+ lenders. No collateral. Disbursed in 72 hours.

Apply for Business Loan → EMI Calculator