Business Loan
Grow your business with business loans from ₹1 Lakh up to ₹100 Crore, tailored for MSMEs and enterprises.
Fuel Your Business Growth with the Right Loan
A business loan gives your enterprise the working capital, growth funding or asset finance it needs — without diluting equity or pledging property.
Loansathi Finverse works with 15+ banks and NBFCs to offer collateral-free business loans for MSMEs, retailers, traders, manufacturers, professionals and service providers. Whether you need funds to purchase inventory, expand to a new location, hire staff, or bridge a temporary cash-flow gap, we help you get the right product at the best possible rate.
Our advisors evaluate your business profile, GST turnover, ITR and bank statements to match you with the lender most likely to sanction — saving you time, effort and multiple rejections.
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Key Features & Benefits
Collateral-Free
No property or asset pledge required.
Fast Disbursement
Approval in 3–5 working days.
GST-Based Loans
Loan based on GST turnover.
Flexible Amount
₹1 Lakh to ₹100 Crore.
Flexible Tenure
12 to 84 months.
Overdraft Facility
Pay interest only on utilised amount.
Eligibility Criteria
- ✅ Age: 22 to 65 years
- ✅ Business vintage: minimum 2 years
- ✅ Minimum annual turnover: ₹40 Lakh
- ✅ ITR filed for last 2 financial years
- ✅ Positive credit score (700+ preferred)
- ✅ Registered business entity
Documents Required
- 📄 PAN of proprietor/firm/company
- 📄 Aadhaar and address proof
- 📄 Business registration proof (GST/Udyam/Shop Act)
- 📄 Last 2 years ITR with computation
- 📄 12 months bank statement (current account)
- 📄 GST returns for last 12 months
- 📄 Balance sheet & P&L (for firms and companies)
FAQs about Business Loan
Some NBFCs offer bank-statement-based loans for small businesses without 2 years ITR, though rates are slightly higher.
For loans above ₹10 Lakh, GST registration significantly improves eligibility and rate.
Startups with 2+ years vintage and healthy turnover qualify. Some special schemes support even 6-month-old ventures.
Business loan interest ranges from 12% to 22% depending on profile, product and lender.