Working capital
Short-term facilities to smooth receivables, inventory and day-to-day operations.
Business Loans
Capital that keeps your business moving
Working capital, term loans, machinery finance and more - matched to cash flows and growth plans across our lender panel.
Indicative rates start from 14% p.a.* Zero consultation charges. Transparent processing.
Solutions
Business loan products
Structures designed for how Indian businesses actually operate.
Term loans
Medium to long-term funding for expansion, renovation or business investment.
Machinery & equipment
Finance for plant, machinery and equipment with tenures aligned to asset life.
Business LAP
Loan against commercial or residential property to fund growth at competitive rates.
Unsecured business loans
Collateral-light options for eligible profiles needing faster turnaround.
Professional loans
Tailored facilities for doctors, CAs, consultants and other professionals.
Eligibility
What lenders typically look for
Business vintage typically 1–3+ years (product-dependent)
ITR / financials showing adequate cash flow for EMI
Satisfactory bureau score and repayment history
Clear banking conduct and turnover evidence
KYC of proprietors / partners / directors
Collateral documents where the product requires security
Rates
Indicative business loan rates
| Product | Indicative rate | Typical tenure |
|---|---|---|
| Unsecured business loan | From 14% p.a.* | 1–5 years |
| Secured / LAP-backed | From 10.5% p.a.* | Up to 15 years |
| Machinery finance | From 12% p.a.* | 1–7 years |
| Working capital / OD | As per lender | Renewable |
FAQ
Business loan questions
Do I need collateral for a business loan?
Not always. Unsecured business loans are available for eligible profiles. Secured options against property often unlock larger amounts and lower rates.
What turnover is required?
Minimum turnover varies widely by lender and product. Share your recent ITRs and bank statements. We'll map realistic options.
Can startups apply?
Newer businesses may qualify with stronger collateral, co-applicants or specialised lender programmes. We'll be transparent about fit.
How are EMIs structured?
Typically monthly reducing-balance EMIs. Some working-capital products use OD interest on utilisation instead of a fixed EMI.