A Business Loan is financial support designed to meet short-term or long-term capital requirements of an enterprise. Funds can be used for working capital management, buying machinery or inventory, business expansion, hiring staff, marketing, or upgrading technology.

• Secured Business Loan: Requires collateral (such as residential/commercial property, machinery, or fixed deposits). It typically offers lower interest rates, higher loan amounts, and longer repayment tenures.

• Unsecured Business Loan: Does not require any collateral. Approval is based on business turnover, financial health, credit score, and cash flow history.

• Multiple Lender Access: Compare offers across top partner banks and NBFCs in one place to find optimal interest rates and terms.

• Higher Approval Chances: Your profile is evaluated to match you with lenders whose specific eligibility criteria align with your financial profile.

• End-to-End Support: Dedicated guidance throughout application submission, document verification, and final disbursement.

• Zero Service Fee: Advisory and application handling services are free of cost for applicants.

• Eligible Entities: Sole Proprietorships, Partnerships, LLPs, Private Limited Companies, Public Limited Companies, and Self-Employed Professionals (e.g., Doctors, CA, Consultants).

• Business Vintage: Most lenders require at least 1 to 3 years of continuous business operations.

• Minimum Turnover: Varies by lender, usually starting from ₹10–15 Lakhs annual turnover or higher.

• Credit Score: A CIBIL score of 700+ is preferred for competitive interest rates and seamless processing.

Yes. While standard business loans often require a minimum operating history, startups can access special government-backed loan schemes (such as CGTMSE, Mudra Loans) or seed financing, machinery/equipment finance, and loans backed by promoter collateral or high-potential business models.

Loan eligibility is calculated based on:

• Annual business turnover and net profit margins.

• Existing monthly debt obligations (EMIs).

• Bank account transaction volume and cash flow stability.

• Credit score and repayment history.

• Identity & Address Proof: PAN Card, Aadhaar Card, Passport, or Voter ID of promoters/directors, along with Business PAN.

• Business Registration Proof: GST Registration, MSME/Udyam Registration, Certificate of Incorporation, or Partnership Deed.

• Financial Documents: Income Tax Returns (ITR) for the last 2–3 years, audited balance sheet and Profit & Loss (P&L) statements.

• Banking Proof: Primary business bank account statements for the last 6 to 12 months.

• Existing Debt Details: Sanction letters for any active loans.

• Initial Approval & Pre-Screening: 24 to 48 hours after submitting basic details and bank statements.

• Final Disbursement: Typically 3 to 7 working days following complete document verification, financial assessment, and agreement signing.