Business Loan
to Grow Your Business
Get easy access to business funding for expansion, working capital, equipment purchase, or daily operations. Simple process, transparent terms, and support from trusted RBI-compliant lenders.
Check Eligibility
Types of Business Loans
Different businesses have different funding needs. Below are the most common types of business loans offered to support growth, operations, and expansion.
Working Capital Loan
Used to manage day-to-day operational expenses such as inventory, salaries, rent, and cash flow gaps.
Business Expansion Loan
Suitable for opening new branches, increasing production capacity, upgrading infrastructure, or entering new markets.
Equipment & Machinery Loan
Helps purchase or upgrade machinery, tools, and equipment required to improve productivity and operational efficiency.
Unsecured Business Loan
No collateral required. Ideal for businesses with stable income and strong transaction history.
Secured Business Loan
Offered against property or assets, providing lower interest rates and higher loan eligibility.
MSME Loan
Specially designed for micro, small, and medium enterprises to support sustainable business growth.
How Business Loan Works
Our business loan process is designed to be simple, transparent, and fully digital, ensuring faster approvals with complete clarity at every step.
Check Eligibility
Share basic business details to instantly check eligibility without impacting your CIBIL score.
Select Best Offer
We compare multiple banks and NBFCs to help you choose the most suitable loan option.
Digital Documentation
Upload documents online with expert assistance for smooth and quick verification.
Loan Disbursal
After approval, funds are directly credited to your business bank account.
Business Loan Eligibility & Documents
Below is the standard eligibility criteria and document checklist required for business loan processing. Exact requirements may vary depending on lender, business profile, and credit assessment.
Eligibility Criteria
- Indian resident business owner / self-employed professional
- Minimum 1–3 years of business continuity
- Stable business income with regular bank transactions
- Valid business registration or proof
- CIBIL score as per bank or NBFC policy
Common Documents (KYC)
- Aadhaar Card
- PAN Card
- Passport Size Photograph
Business / Self-Employed Documents
- PAN Card (Firm / Company)
- GST Registration & Returns (if applicable)
- Income Tax Returns (last 2 years)
- Balance Sheet & Profit and Loss statement
- Bank statements (last 6–12 months)
- Business registration / license
Working Capital / CC / OD (Additional)
- GST Returns
- Debtors & Creditors List
- Existing CC / OD account statement (if any)
Secured Business Loan (If Applicable)
- Property ownership documents
- Property tax receipt
- Approved building plan (if required)
- Existing loan statement (for balance transfer)
Important Note
- All documents are submitted digitally
- Additional documents may be requested if required
- Loan approval is subject to lender credit policies
Best Use Cases of Business Loan
A business loan can be used for multiple growth and operational needs. Below are the most common and practical use cases where business loans add real value.
Managing Working Capital
Helps maintain smooth cash flow for inventory purchase, salary payments, rent, utilities, and day-to-day business expenses.
Business Expansion
Ideal for opening new branches, increasing production capacity, upgrading infrastructure, or entering new geographical markets.
Purchase of Machinery & Equipment
Enables businesses to invest in new machinery, tools, or technology to improve productivity and efficiency.
Inventory & Stock Financing
Useful for stocking raw materials or finished goods during peak demand seasons without cash flow pressure.
Marketing & Business Growth
Funds can be used for branding, digital marketing, hiring staff, and customer acquisition initiatives.
Debt Consolidation
Helps combine multiple high-interest liabilities into a single structured loan with better repayment terms.
Business Loan Process Overview
End-to-end flow mapped like a financial dashboard
Eligibility Scan
Initial business profile evaluation based on turnover, vintage, and banking behaviour.
Lender Mapping
Profile matched across multiple banks and NBFCs to identify best-fit loan options.
Credit Evaluation
Digital verification of documents and financials for credit assessment.
Fund Disbursal
Approved loan amount credited directly to business bank account.
Check Your Business Loan Eligibility
Get lender-matched offers without affecting your CIBIL score.
Check Eligibility NowHow It Works
A simple and transparent process to get your Business Loan approved
Apply Online
Share your basic business details and documents online. Our secure digital process takes just a few minutes.
Compare Offers
We evaluate multiple Banks & NBFCs to provide the best business loan offers tailored to your needs.
Get Disbursal
Once approved, funds are quickly disbursed to your business bank account.
Business Loan FAQs
Answers to common questions about Business Loans with Crediindia
A business loan is a financing solution designed to help businesses meet working capital needs, expansion, inventory purchase, equipment upgrades and operational expenses.
Startups with a minimum business vintage of 2–3 years, stable turnover and healthy bank statements can apply. Eligibility depends on lender policies.
Many business loans offered through Crediindia are unsecured and do not require collateral. Secured options are also available for higher loan amounts.
Business loan disbursal typically takes 3–7 working days, subject to document verification, eligibility and lender approval.
Grow Your Business with Crediindia
Unlock fast business funding for expansion, working capital, inventory management and day-to-day operations — all with expert guidance and trusted lenders.
Apply Now →
Business Loan
to Grow Your Business
Get easy access to business funding for expansion, working capital, equipment purchase, or daily operations. Simple process, transparent terms, and support from trusted RBI-compliant lenders.
Check EligibilityWhy Choose Crediindia for Business Loans?
Business Loan Eligibility
- Business Vintage: Minimum 2–3 years
- Annual Turnover: ₹20 Lakhs or more
- Applicant Age: 25 – 65 years
- CIBIL Score: 650+
- Stable business cash flow
Documents Required
Basic documents needed to apply for a Business Loan with Crediindia
KYC Documents
PAN Card, Aadhaar Card or any valid identity & address proof.
Business Proof
Business registration, trade license or incorporation certificate.
Bank Statements
Last 12 months business bank statements showing cash flow.
Financials / ITR
ITR or audited financials for the last 2–3 financial years.
GST Returns
GST registration certificate and recent GST returns (if applicable).
Check Your Business Loan Eligibility
Get lender-matched offers without affecting your CIBIL score.
Check Eligibility NowHow It Works
A simple and transparent process to get your Business Loan approved
Apply Online
Share your basic business details and documents online. Our secure digital process takes just a few minutes.
Compare Offers
We evaluate multiple Banks & NBFCs to provide the best business loan offers tailored to your needs.
Get Disbursal
Once approved, funds are quickly disbursed to your business bank account.
Business Loan FAQs
Answers to common questions about Business Loans with Crediindia
A business loan is a financing solution designed to help businesses meet working capital needs, expansion, inventory purchase, equipment upgrades and operational expenses.
Startups with a minimum business vintage of 2–3 years, stable turnover and healthy bank statements can apply. Eligibility depends on lender policies.
Many business loans offered through Crediindia are unsecured and do not require collateral. Secured options are also available for higher loan amounts.
Business loan disbursal typically takes 3–7 working days, subject to document verification, eligibility and lender approval.
Grow Your Business with Crediindia
Unlock fast business funding for expansion, working capital, inventory management and day-to-day operations — all with expert guidance and trusted lenders.
Apply Now →