Business loan
Working capital, equipment, expansion — priced by what the business can prove.
- Working capital, equipment purchase and expansion
- Secured and unsecured options compared together
- MUDRA and CGTMSE scheme eligibility checked
- Overdraft and term loan structures explained
Check your business loan offers
One form. We take it to the lenders most likely to approve it and bring back the offers.
Business lending turns almost entirely on documentation. The same shop, with the same turnover, gets a very different answer depending on whether that turnover appears in a bank account and a GST return or only in a notebook.
We will tell you honestly what your file supports today, which scheme fits it, and what to fix if the answer is not yet the one you want.
What you get
- Working capital, equipment purchase and expansion
- Secured and unsecured options compared together
- MUDRA and CGTMSE scheme eligibility checked
- Overdraft and term loan structures explained
- Guidance on what to fix before reapplying, if declined
Who is eligible
- Business vintage typically 2 to 3 years
- Minimum annual turnover, varying by lender
- GST returns and bank statements showing that turnover
- Clean repayment record on existing credit
Documents you will need
- Aadhaar, PAN and business registration proof
- GST returns for the last 12 months
- Bank statements for the last 12 months
- ITR and audited financials for the last 2 to 3 years
Business Loan — common questions
Can I get a business loan with no collateral?
Yes. Unsecured business loans exist and the CGTMSE scheme guarantees collateral-free credit to eligible MSMEs. Both cost more than a secured loan and are capped lower, but they are real options.
What is a MUDRA loan?
Credit for micro enterprises under the Pradhan Mantri MUDRA Yojana, in three tiers — Shishu, Kishore and Tarun — by loan size. It is collateral-free and offered through banks, NBFCs and microfinance institutions.
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