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Business Loan (BL)

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Business Loan (BL)

Loan amount | Quick Disbursal | Flexible EMI

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Business Loan (BL) Overview

Scale your enterprise, finance working capital, purchase inventory, or expand operations with collateral-free Business Loans (BL) from ₹2 Lakhs up to ₹5 Crores across 50+ Scheduled Commercial Banks & NBFCs.

Business Loan (BL) Interest Rates & Key Details
Interest RatesFrom 14.00% p.a.
Loan AmountUp to ₹5 Crores
Maximum TenureUp to 5 Years
Disbursal TurnaroundUnder 48 Hours
Upfront ChargesZero Advance Cash Fees
verifiedAuthorized Lending Bank PartnersInstant Sanction Desks
HDFC Bank
HDFC BankStarting 14.00% p.a.
ICICI Bank
ICICI BankStarting 14.25% p.a.
Axis Bank
Axis BankStarting 14.50% p.a.
Kotak Mahindra Bank
Kotak BankStarting 14.75% p.a.
Bajaj Finserv
Bajaj FinservStarting 15.00% p.a.
Tata Capital
Tata CapitalStarting 15.25% p.a.
Direct Disbursal Channel

Apply for Business Loan (BL)

Compare instant quotes across 50+ banks with zero upfront charges.

+91
₹20,00,000
₹1,00,000₹5,00,00,000
speed
Estimated EMI (~5 Yrs)₹42,988 /mo
Sanction SLAWithin 24 Hours
lock256-Bit SSL•verified_userDPDP Compliant•money_offZero Upfront Fee

Authorized Co-Lending Network With 50+ Scheduled Banks & Premier NBFCs

HDFC Bank
HDFC Bank
Starting 8.75% p.a.
State Bank of India
State Bank of India
Starting 7.25% p.a.
Punjab National Bank
Punjab National Bank
Starting 7.25% p.a.
Canara Bank
Canara Bank
Starting 7.25% p.a.
Indian Bank
Indian Bank
Starting 7.25% p.a.
ICICI Bank
ICICI Bank
Starting 8.90% p.a.
Axis Bank
Axis Bank
Starting 9.25% p.a.
Kotak Mahindra Bank
Kotak Mahindra Bank
Starting 8.50% p.a.
IDFC FIRST Bank
IDFC FIRST Bank
Starting 9.75% p.a.
Tata Capital
Tata Capital
Starting 9.99% p.a.
Bajaj Finserv
Bajaj Finserv
Starting 10.50% p.a.
Piramal Finance
Piramal Finance
Starting 9.40% p.a.
L&T Finance
L&T Finance
Starting 10.25% p.a.
IndusInd Bank
IndusInd Bank
Starting 9.40% p.a.
Bank of Baroda
Bank of Baroda
Starting 8.60% p.a.
Poonawalla Fincorp
Poonawalla Fincorp
Starting 9.99% p.a.
HDFC Bank
HDFC Bank
Starting 8.75% p.a.
State Bank of India
State Bank of India
Starting 7.25% p.a.
Punjab National Bank
Punjab National Bank
Starting 7.25% p.a.
Canara Bank
Canara Bank
Starting 7.25% p.a.
Indian Bank
Indian Bank
Starting 7.25% p.a.
ICICI Bank
ICICI Bank
Starting 8.90% p.a.
Axis Bank
Axis Bank
Starting 9.25% p.a.
Kotak Mahindra Bank
Kotak Mahindra Bank
Starting 8.50% p.a.
IDFC FIRST Bank
IDFC FIRST Bank
Starting 9.75% p.a.
Tata Capital
Tata Capital
Starting 9.99% p.a.
Bajaj Finserv
Bajaj Finserv
Starting 10.50% p.a.
Piramal Finance
Piramal Finance
Starting 9.40% p.a.
L&T Finance
L&T Finance
Starting 10.25% p.a.
IndusInd Bank
IndusInd Bank
Starting 9.40% p.a.
Bank of Baroda
Bank of Baroda
Starting 8.60% p.a.
Poonawalla Fincorp
Poonawalla Fincorp
Starting 9.99% p.a.
auto_awesomeKey Advantages

Business Loan (BL) Features & Benefits

Key product features and underwriting advantages tailored for you.

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01

Collateral-Free MSME Limits

Unsecured business loans up to ₹1 Crore and CGTMSE/secured facilities up to ₹5 Crores.

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02

Fast 48-Hour Disbursal SLA

Expedited credit appraisal with fast-track in-principle sanctioning.

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03

Working Capital & Overdraft

Flexible Term Loans, Dropline Overdraft (OD), and Cash Credit (CC) limits.

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04

GST & Banking Surrogate

Underwriting based on banking cash flows, GST returns, and POS turnover.

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05

Zero Pre-Closure Penalties

Prepay your business loan flexibly when cash flow peaks with zero prepayment charges.

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06

Dedicated Relationship Manager

End-to-end support from senior corporate finance advisors to structure the optimal debt package.

fact_checkFast-Track Verification

Eligibility & Documents Required

Minimal documentation with 100% digital verification.

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Eligibility Criteria

Basic qualifications to apply

  • check_circleEligible Entities: Proprietorships, Partnerships, LLPs, Private Limited & Public Limited companies.
  • check_circleBusiness Vintage: Minimum 2 years of active operations.
  • check_circleAnnual Turnover: Minimum annual business turnover of ₹20 Lakhs.
  • check_circleFinancials & Filing: Audited or CA-certified financials and active GST filing.
  • check_circleCredit Profile: Clean banking track record with no major defaults and 650+ CIBIL score.
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Documents Required

Simple digital paperless upload

  • task_altPromoter KYC: Promoter PAN, Aadhaar, and Business PAN Card.
  • task_altBusiness Registration: Certificate of Incorporation (COI), MOA, AOA, Partnership Deed, or GST Registration Certificate.
  • task_altMSME Registration: MSME / Udyam Registration Certificate.
  • task_altBank Statements: Latest 12 Months primary Business Bank Account Statement.
  • task_altIncome Tax Returns: Latest 2 Years ITR with Computation, Balance Sheet, and P&L statements.
  • task_altGST Returns: Latest 12 Months GST returns (GST R-3B / GSTR-1).
  • task_altExisting Loan Records: LOD (Letter of Disbursement) & LOS (Letter of Sanction) from existing lenders (if applicable).
calculateInstant Financial Underwriting Tools

EMI Calculator for Business Loan (BL)

Simulate your monthly installment and total interest for Business Loan (BL).

₹20,00,000
₹1 Lakh₹1 Crore₹5 Crore
14.00%
7.20%15.00%24.00%
3 Yrs (36 Mos)
1 Year5 Years10 Years20 Years
Estimated Monthly EMI
₹68,355/ month
Principal: 81%Interest: 19%
Principal Amount₹20,00,000
Total Interest₹4,60,780
Total Amount Payable₹24,60,780
3 Years Tenure
quizFAQs

Frequently Asked Questions

You can receive up to ₹1 Crore without collateral, and up to ₹5 Crores with CGTMSE government credit guarantees or structured enterprise banking.

Ready to Apply for Business Loan (BL)?

Get matched across 50+ premier banks & NBFCs with zero upfront fees and minimal paperwork.

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