Business Loan​

A Business Loan is a financial solution that helps entrepreneurs, startups, and MSMEs meet their working capital needs, expand operations, purchase equipment, or manage day-to-day expenses. It is an essential funding option for businesses aiming to grow without diluting ownership or relying on personal savings.

✅ Key Features of Business Loan:

  • Loan Amount: ₹1 Lakh to ₹50 Lakhs or more (depending on eligibility)

  • Loan Type: Secured or Unsecured

  • Tenure: 12 months to 5 years (can vary based on loan type)

  • Interest Rate: Competitive & customized rates

  • Processing Time: Fast approvals with minimal documentation

🔹 Common Uses of Business Loan:

  • Working capital management

  • Business expansion & new branch setup

  • Purchase of machinery, equipment, or inventory

  • Marketing & advertising campaigns

  • Vendor or supplier payments

  • Debt consolidation

📋 Required Documents for Business Loan:

  1. KYC Documents (Applicant & Business):

    • PAN Card (Individual & Business)

    • Aadhaar Card / Passport / Driving License

  2. Business Registration Proof:

    • GST Certificate

    • Shop Act License

    • MSME Registration / Udyam Certificate

    • Partnership Deed or MOA & AOA (for companies)

  3. Financial Documents:

    • Income Tax Returns for the last 2–3 years

    • Audited Profit & Loss Statement & Balance Sheet

    • Latest 6–12 months Bank Statements

    • GST Returns (last 3–6 months)

  4. Other Supporting Documents:

    • Business Profile or Brief Overview

    • Existing Loan Sanction Letters / EMI Schedules (if any)

    • Office Address Proof (Utility Bill / Rent Agreement)

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