7208210339
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Theo

● Business Loan Expert

💼 Hi! Looking to grow your business with a loan? Ask me about unsecured loans, working capital, government schemes like Mudra, or which lender is right for your business stage.

💼 Business Loans — Fuel Your Growth

Unsecured & secured business loans up to ₹2 Crore. No collateral options available. Government schemes, fast-track approvals, and expert guidance for MSMEs.

9.50%Starting Rate
₹2 CrMax Loan
10 yrsMax Tenure
Mudra & CGTMSE scheme guidance
Unsecured loans up to ₹2 Crore
In-principle approval in 59 minutes (PSB)

Compare Business Loan Rates — 2026

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Business Loan Comparison

Sort by:
LenderInterest RateMax LoanMax TenureBest For
Kotak Mahindra Bank
Lowest Rate		9.50–30.50% p.a.₹2 Cr10 YearsLarge businesses
HDFC Bank
Fast Approval		10.75% p.a.₹75 L5 YearsSMEs
Flexiloans
Fintech		12.00% p.a.₹50 L3 YearsOnline, fast disbursal
Tata Capital
NBFC		12.00% p.a.₹75 L5 YearsEstablished firms
IDFC First Bank
12.99% p.a.₹50 L5 YearsDigital businesses
LendingKart
Fintech		13.50% p.a.₹2 Cr3 YearsMSMEs
Bajaj Finance
Quick Approval		14–25% p.a.₹45 L5 YearsFast track
* Rates vary based on business vintage, turnover, and credit profile. Collateral-free options available under CGTMSE.

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Business Loan Types & Schemes

Types of Business Loans

  • Unsecured Term Loan — No collateral, quick approval, up to ₹50L
  • Secured Term Loan — Lower rates, collateral required
  • Working Capital Loan — For day-to-day operations
  • Overdraft Facility — Draw as needed, pay interest only on used amount
  • Equipment Finance — For machinery & equipment purchase
  • Bill Discounting — Against pending invoices

Eligibility

Age21 – 65 years
Business Vintage3+ years operating
Min. Annual Turnover₹90K – ₹250 Cr+ (varies)
Credit Score700+

Government Schemes

  • PMMY (Mudra Loan):
    • Shishu — Up to ₹50,000
    • Kishore — ₹50K to ₹5 Lakh
    • Tarun — ₹5L to ₹10 Lakh
    • Tarun Plus — ₹10L to ₹20 Lakh
  • PSB 59 Minutes — Up to ₹5 Cr in-principle approval in 59 minutes
  • CGTMSE — Collateral-free loans up to ₹2 Crore
  • Stand-Up India — ₹10L–₹1Cr for SC/ST/Women entrepreneurs
  • PMEGP — 15–35% subsidy for new enterprises

Frequently Asked Questions

Yes! Under the CGTMSE scheme, collateral-free loans up to ₹2 Crore are available. Banks like Kotak, HDFC, and fintechs like Flexiloans and LendingKart also offer unsecured business loans based on your revenue, credit score, and business vintage.
Most lenders require 3+ years of business vintage for unsecured loans. For Mudra loans, even newer businesses can apply. Some fintechs approve businesses with 1–2 years of history if GST returns are strong.
Typically: PAN & Aadhaar, 2 years' ITR, audited financials, 1 year bank statement, GST registration & returns, business registration proof, and bank statement. Our experts will guide you through the exact list for your chosen lender.
Pradhan Mantri Mudra Yojana (PMMY) offers loans from ₹50,000 to ₹20 lakh for non-farm businesses. Apply through any public sector bank or microfinance institution. No collateral required, no processing fees. Our experts can help you determine your Mudra category and fast-track your application.

Grow Your Business with the Right Loan

Expert guidance on business loans, Mudra, and government schemes

📞 Call 7208210339
T

Theo

Your AI Financial Expert

👋 Hi! I'm Theo, your AI financial expert. What are you looking for today?