Business Loan
Working capital or expansion funding for your business — machinery, inventory, a new outlet, or simply smoothing cash flow.
A business loan gives your business working capital or expansion funds without diluting ownership — unlike raising equity, you keep full control and simply repay over time. It can fund inventory, machinery, a new location, staff, or bridge the gap between paying suppliers and collecting from customers.
Lenders assess your business differently from an individual: turnover, banking history, GST filings and profitability all matter alongside your personal credit profile. With 90+ banks and NBFCs on our panel — including lenders who specifically work with smaller and newer businesses — we help you find one whose criteria your business genuinely fits.
Who it suits
- Business owners looking to expand, restock, or bridge a cash-flow gap
- Proprietorships, partnerships, and private limited companies
- Businesses with at least 2–3 years of operating history (varies by lender)
Eligibility
- Business vintage typically 2+ years, though newer businesses may qualify with select NBFCs
- Minimum annual turnover as set by each lender
- Regular banking activity and a reasonable CIBIL score for the business/proprietor
- Existing loans and their repayment record are reviewed
Documents you'll need
- PAN and Aadhaar of the proprietor/partners/directors
- Business registration proof (GST certificate, Udyam/MSME registration, or equivalent)
- Bank statements, typically 12 months
- ITR and financial statements for the last 2 years
A quick sense of the EMI
For example, ₹10,00,000 over 5 years at an indicative 11% works out to about:
₹21,742/month
Indicative only — your actual EMI depends on the amount, tenure and rate you're offered.
Try the full calculatorCommon questions about business loan
Do I need collateral for a business loan?
Not always. Many business loans are unsecured up to a certain amount, based on your turnover and banking history. Larger amounts may require collateral or a personal guarantee, depending on the lender.
My business is less than 2 years old. Can I still apply?
It's harder but not impossible. A few NBFCs on our panel work with newer businesses that show consistent revenue. Talk to us and we'll tell you honestly where you stand.
What can the loan be used for?
Working capital, purchasing machinery or inventory, business expansion, or refinancing costlier existing debt — lenders generally don't restrict the end use for standard business loans.
Will my personal CIBIL score matter for a business loan?
Yes, alongside your business's financials. For proprietorships and smaller partnerships especially, the owner's personal credit history is usually reviewed too.
Ready to talk about your business loan?
Tell us your need and we'll match you to the right lender from our panel of 90+ banks & NBFCs.