Grow your business with the right financing. Understand eligibility criteria for business loans, working capital, and expansion funding.
Check out our latest loan products with competitive rates and flexible terms
HDFC Bank
Interest Rate
10.5% p.a.
Max Amount
₹40 Lakhs
Processing Fee
1% + GST
Tenure
Up to 5 years
SBI
Interest Rate
8.5% p.a.
Max Amount
₹2 Crores
Processing Fee
0.35% + GST
Tenure
Up to 30 years
ICICI Bank
Interest Rate
12% p.a.
Max Amount
₹75 Lakhs
Processing Fee
2% + GST
Tenure
Up to 7 years
Kotak Mahindra
Interest Rate
8.75% p.a.
Max Amount
₹25 Lakhs
Processing Fee
1.5% + GST
Tenure
Up to 7 years
Strong business profile can secure loans up to ₹50 crores for expansion.
Competitive interest rates starting from 10.5% p.a. for eligible businesses.
Get loan approved within 72 hours with complete documentation and eligibility.
Lenders assess business health rather than just personal income:
Business Vintage: Minimum 2-3 years of continuous business operations
Annual Turnover: Minimum turnover of ₹10 lakhs to ₹40 lakhs depending on lender
Profitability: Business should be profit-making for the last 2 financial years
ITR Filing: Income Tax Returns filed for last 2-3 years mandatory
Age Criteria: Applicant should be 21-65 years at loan maturity
Bank Statements: Primary account showing healthy balance with no frequent bounces
Meeting these criteria improves your chances of quick approval and better loan terms
Aadhaar, PAN of proprietor/partners/directors
Registration certificate, GST, shop license
Last 2-3 years ITR, P&L, Balance Sheet
Last 12 months business account statements
Business and residence address proofs
Sanction letters and statements of existing loans
Keep all documents ready in digital format (scanned copies) to speed up the application process. Most lenders now accept online document uploads for faster processing.
Ensure financial statements are audited and show consistent profitability year-on-year.
Maintain good credit score (750+) and ensure timely payment of existing business loans or credit.
Demonstrate increasing revenue and profitability trends to strengthen loan application.
Route maximum transactions through bank to show transparent and verifiable business operations.
Following these tips can significantly improve your approval chances and help you secure better interest rates
Get business loan to expand operations and increase revenue