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Expert India Consultancy
Business Loan Services

Fuel Your Business Growth
Quick Business Loans with Competitive Rates

Accelerate your business growth with our comprehensive business loan solutions. Get working capital, term loans, and expansion financing with competitive interest rates starting from 10.5%. ✔Quick Approval ✔Minimal Documentation ✔Flexible Repayment ✔Expert Guidance ✔Multiple Loan Options ✔MSME Support

4.8/5(1800+ Loans Approved)
Interest Rates from 10.5%
Loan up to ₹50 Crores
Quick Processing
Minimal Documentation
Flexible Tenure
Expert Support
1800+ Loans
Successfully Approved
40+ Lenders
Partner Network
FREE
Consultation
Complete loan assistance
Get Your Business Loan

Expert Assistance & Best Rates

Our business loan experts will contact you within 30 minutes

Business Loan Overview

What is a Business Loan?

A business loan is a financial product designed to meet the capital requirements of businesses across various stages of their lifecycle. Whether you need working capital to manage daily operations, term loans for expansion, or equipment financing for machinery, business loans provide the necessary funds to achieve your entrepreneurial goals with flexible repayment options.

Key Features

Why Choose Our Business Loan Services

Comprehensive business financing solutions tailored to your growth needs

Competitive Interest Rates

Starting from 10.5% per annum with flexible rate options

Flexible Tenure

Repayment periods from 1 to 10 years based on loan type

High Loan Amount

Finance up to ₹50 crores for business expansion needs

Quick Processing

Fast approval within 24-72 hours with minimal documentation

Loan Types

Types of Business Loans Available

Choose the right business loan type based on your specific requirements

Working Capital Loan

For day-to-day business operations and cash flow management

Features:
  • Cover operational expenses
  • Manage cash flow gaps
  • Flexible repayment options
  • Quick approval process
Tenure:Up to 12 months
Amount:₹1 lakh to ₹50 crores
Interest:10.5% - 18% p.a.
Term Loan

For business expansion, equipment purchase, and infrastructure

Features:
  • Long-term financing solutions
  • Fixed monthly installments
  • Competitive interest rates
  • Tax benefits available
Tenure:1 to 10 years
Amount:₹5 lakhs to ₹50 crores
Interest:11% - 16% p.a.
Equipment Financing

For purchasing machinery, vehicles, and business equipment

Features:
  • Finance up to 90% of equipment cost
  • Quick approval process
  • Flexible repayment tenure
  • No additional collateral required
Tenure:3 to 7 years
Amount:₹2 lakhs to ₹5 crores
Interest:12% - 18% p.a.
Invoice Financing

Get funds against pending invoices and receivables

Features:
  • Instant liquidity against invoices
  • No collateral required
  • Quick processing
  • Improve cash flow cycle
Tenure:30 to 120 days
Amount:₹1 lakh to ₹10 crores
Interest:13% - 24% p.a.
MSME Loan

Special schemes for Micro, Small, and Medium Enterprises

Features:
  • Government-backed schemes
  • Subsidized interest rates
  • Collateral-free options
  • Priority sector lending
Tenure:1 to 7 years
Amount:₹50,000 to ₹10 crores
Interest:9.5% - 15% p.a.
Trade Finance

For import/export and international trade financing

Features:
  • Letter of credit facilities
  • Bank guarantees
  • Export credit support
  • Foreign exchange services
Tenure:30 days to 3 years
Amount:₹5 lakhs to ₹25 crores
Interest:10% - 16% p.a.
Eligibility Criteria

Business Loan Eligibility Requirements

Check if your business meets the basic eligibility criteria for loan approval

Business Vintage
  • Minimum 2 years in operation
  • Consistent business performance
  • Profitable track record
Annual Turnover
  • Minimum ₹40 lakhs per annum
  • Regular cash flow
  • Growth trajectory preferred
Credit Score
  • CIBIL score 650 and above
  • Clean credit history
  • No defaults or settlements
Business Type
  • Proprietorship, Partnership, LLP
  • Private/Public Limited Company
  • All sectors considered
Application Process

How to Apply for Business Loan

Simple step-by-step process to get your business loan approved

1
Business Assessment

Evaluate your business needs and loan requirements with our experts

2
Document Collection

Gather necessary business and financial documents for application

3
Lender Matching

Match your profile with the most suitable lenders and loan products

4
Application Submission

Submit applications to multiple lenders for best rates and terms

5
Credit Evaluation

Lenders assess creditworthiness and business viability

6
Approval & Disbursal

Receive loan approval and funds disbursed to your account

Required Documents

Documents Required for Business Loan

Complete list of documents needed for smooth loan processing

Identity & Address
  • Aadhaar Card
  • PAN Card
  • Passport/Voter ID
  • Utility Bills
  • Office Address Proof
Business Documents
  • Business Registration Certificate
  • GST Registration
  • Trade License
  • Partnership Deed/MOA/AOA
  • Udyam Registration
Financial Documents
  • ITR (3 years)
  • Audited Financial Statements
  • Bank Statements (12 months)
  • GST Returns
  • Provisional/Projected Financials
Additional Documents
  • Business Plan
  • Cash Flow Projections
  • Collateral Documents
  • Existing Loan Details
  • Quotations (for equipment loans)
Lender Partners

Our Lending Partners

Compare rates and terms from leading banks and financial institutions

SBI
Loan Types:

Term Loan, Working Capital

Interest Rate:10.5% - 15%
Max Amount:₹50 Crores
HDFC Bank
Loan Types:

Business Loan, Equipment Finance

Interest Rate:11% - 16%
Max Amount:₹40 Crores
ICICI Bank
Loan Types:

Working Capital, Trade Finance

Interest Rate:11.5% - 17%
Max Amount:₹30 Crores
Axis Bank
Loan Types:

MSME Loan, Invoice Financing

Interest Rate:12% - 18%
Max Amount:₹25 Crores
Kotak Mahindra
Loan Types:

Term Loan, Working Capital

Interest Rate:12.5% - 17%
Max Amount:₹20 Crores
Bajaj Finserv
Loan Types:

Business Loan, Equipment Finance

Interest Rate:13% - 30%
Max Amount:₹45 Lakhs
Use Purposes

Business Loan Use Cases

Various ways to utilize business loans for growth and operations

Business Expansion
  • Opening new branches/outlets
  • Market expansion initiatives
  • Product line diversification
  • Geographic expansion
  • Franchise development
Working Capital
  • Inventory management
  • Raw material purchase
  • Salary and operational expenses
  • Seasonal business requirements
  • Cash flow management
Equipment & Infrastructure
  • Machinery and equipment purchase
  • Technology upgrades
  • Office setup and renovation
  • Vehicle purchase
  • IT infrastructure development
Strategic Initiatives
  • Mergers and acquisitions
  • Research and development
  • Marketing and advertising
  • Digital transformation
  • Export business development
Expert Tips

Business Loan Tips & Advice

Professional advice to help you make informed borrowing decisions

Maintain Good Credit Score

Keep personal and business credit scores above 700 for better rates and approval chances

Prepare Financial Documents

Keep audited financials, tax returns, and bank statements updated and readily available

Compare Multiple Offers

Evaluate different lenders for interest rates, processing fees, and repayment terms

Choose Right Loan Type

Select the most suitable loan product based on your specific business needs

Plan Cash Flow

Ensure you have adequate cash flow to service EMIs without affecting operations

Read Terms Carefully

Understand all charges, prepayment options, and penalty clauses before signing

Key Benefits of Business Loans
Quick approval within 24-72 hours
Competitive interest rates starting from 10.5%
Flexible repayment tenure options
Minimal documentation and paperwork
No hidden charges or prepayment penalties
Tax benefits on interest payments
Collateral-free options available
Multiple loan products under one roof
Expert guidance throughout the process
Relationship manager support post-disbursal
Important Warnings

Things to Watch Out For

Important considerations and potential risks to be aware of

Over-borrowing Risk

Borrow only what you need and can comfortably repay. Over-leveraging can strain your business cash flow and affect operations

Hidden Charges

Be aware of processing fees, documentation charges, and other costs that can significantly increase the effective interest rate

Personal Guarantee

Many business loans require personal guarantees from promoters, making you personally liable for the debt

Collateral Requirements

Some loans may require business assets or property as collateral, which could be at risk in case of default

Variable Interest Rates

Floating rate loans can increase over time. Factor in potential rate increases while planning your finances

Frequently Asked Questions

Frequently Asked Questions

Get answers to common questions about business loans, interest rates, and application process

24/7 Support

Accelerate Your Business Growth Today

Fuel your business ambitions with our comprehensive loan solutions. Get expert guidance, competitive rates, and quick approval to take your business to the next level.