Working capital for your business, without the paperwork chase.
Compare unsecured business loans from Lendingkart, FlexiLoans, InCred, Indifi, NeoGrowth and more — funding from ₹50,000 to ₹1 Crore, with approvals in as little as 24 hours.
What is a business loan?
A business loan is unsecured or secured financing that helps small and medium enterprises manage working capital, purchase inventory or equipment, expand operations, or bridge cash flow gaps. Our lending partners specialise in fast, largely paperless business loans for proprietorships, partnerships, and private limited companies, using GST filings and bank statements — not just collateral — to assess eligibility.
See offers you qualify for →Who is it for?
- Retailers and traders needing inventory or stock funding
- Manufacturers and MSMEs scaling production capacity
- Service businesses managing payroll and operating expenses
- E-commerce sellers funding seasonal demand spikes
- Established businesses seeking a line of credit for flexibility
Compare offers from 8 trusted lenders
Each partner is chosen for speed of approval and minimal documentation — built for how small businesses actually operate.
- Minimal docs: 6-month bank statement + GST/ITR
- Flexible repayment aligned to cash flow
- No collateral for loans up to ₹50 lakh
- Fully digital application, no branch visit needed
- Loans tailored for online sellers & marketplace vendors
- Renewal facility for repeat borrowers
- Customised offers for doctors, CAs & professionals
- Data-driven underwriting for faster decisions
- Part-prepayment allowed after 6 EMIs
- Access to multiple bank & NBFC offers in one check
- Free eligibility & rate comparison
- Dedicated relationship support through disbursal
- Tailored products for restaurants, retail & travel trade
- Partnerships with major online platforms for verified data
- Line of credit option for recurring needs
- Repayment linked to daily card/UPI settlements
- Built for retail & hospitality merchants
- No fixed EMI stress during slow sales days
- Small-ticket loans for micro businesses
- Simple flat documentation, minimal paperwork
- Quick disbursal for urgent working capital needs
- Focus on manufacturing & trading MSMEs
- Doorstep document collection in select cities
- Vernacular language support for applications
Benefits of choosing a business loan
- Retain full ownership: Unlike equity funding, a loan doesn’t dilute your stake in the business.
- Predictable repayment: Fixed EMIs or revenue-linked repayment make cash flow planning easier.
- Builds business credit: Timely repayment strengthens your business’s credit profile for larger future financing.
- Speed: Digital lenders can disburse funds in 24-72 hours versus weeks at traditional banks.
- Tax-deductible interest: Interest paid on business loans is typically deductible as a business expense.
What lenders look for
| Criteria | Typical Requirement |
|---|---|
| Business vintage | 1–3+ years |
| Annual turnover | ₹10 lakh+ |
| CIBIL / business credit score | 700+ preferred |
| Entity type | Proprietorship, Partnership, Pvt Ltd, LLP |
Minimum documentation needed
- PAN & Aadhaar of business owner(s)
- GST registration certificate & returns
- Bank statements (last 6-12 months)
- ITR / financial statements (last 1-2 years)
From application to funds in your account
Apply online
Fill a short form with business and turnover details — takes about 3 minutes.
Get matched
We match you with lenders you’re most likely to qualify with, based on your profile.
Submit documents
Upload GST, bank statements, and KYC digitally for underwriting.
Receive funds
On approval, funds are disbursed directly to your business account.
Business loan questions, answered
Most of our lending partners offer unsecured business loans up to ₹50 lakh based on your business’s turnover and banking history, without requiring collateral.
Digital lenders like FlexiLoans and ZipLoan can approve and disburse loans within 24-72 hours once documents are verified.
Most lenders require at least 1-3 years of business vintage. Newer businesses may explore options through our professional or personal loan products instead.
A term loan has fixed EMIs over a set tenure, while a merchant cash advance (like NeoGrowth’s) is repaid as a percentage of your daily card/UPI settlements, flexing with sales.
No, comparing and checking eligibility across our lending partners is completely free.