Business Loan
Business loans for Indian SMEs and MSMEs
Working capital, term loans and lines of credit
Pre-qualified business loan offers from public-sector banks, private banks, NBFCs and revenue-based-finance lenders. Tickets from INR 2 lakh to INR 5 crore. Both secured and unsecured options. Rates from 11.5 percent. Soft-pull eligibility check returns multiple offers calibrated to your turnover and vintage.
Every business-loan flavour
Pick the structure that fits your need
Working capital
Cash credit, overdraft against book debts, drawing-power-based. Suited to recurring needs - inventory build-up, receivables financing, festival demand. Stays drawn / undrawn against a sanctioned limit.
Term loan for expansion
Lump-sum loan for capex - new machinery, new branch, R&D, hiring. Tenor 3-7 years. Moratorium of 6-12 months on principal often available for greenfield projects.
Line of credit
Pre-approved limit you can draw and repay multiple times. Pay interest only on what you use. Useful for businesses with seasonal cash-flow swings.
Invoice discounting
Sell large customer invoices to a financier at a discount and receive cash now. Useful when your customer pays at 90 days but you have 45-day vendor terms.
Revenue-based finance
A growing alternative for digital-first businesses - the lender takes a cut of monthly revenue until a fixed multiple is repaid. No fixed EMI, no collateral, fast underwriting.
MSME-tagged loans
If you are registered as an MSME on Udyam, several priority-sector benefits apply - lower rates, longer tenor, collateral relaxation under CGTMSE. The marketplace surfaces these.
How it works
From eligibility to disbursal
Soft business profile
Turnover, vintage, GSTIN, Udyam ID if any. We pull your GSTR filings and bank statement, and run lender-side eligibility models in parallel.
Pick a lender, complete documents
Two years' ITR, audited financials, bank statements, GST returns, business proofs. Hard pull happens here. Some lenders also do a site-visit / video-KYC of the business premise.
Sanction and disbursal
Sanction letter typically in 5-10 working days. Disbursement post final document execution and (for secured loans) collateral mortgage / hypothecation.
Who it is for
Who borrows business loans through us
Free for borrowers. Lender pays only on disbursal.
Soft-pull eligibility check is free and does not affect your CIBIL Commercial score. Lenders pay Infyner a small commission only on disbursement. The processing fee, mortgage stamp duty and other costs that show on the offer card are paid to the lender or the registrar, not to Infyner.
Trust and security
How business loans on the marketplace work
Lender panel only
Public-sector banks, private banks, RBI-licensed NBFCs and SEBI-registered AIFs that offer revenue-based finance. No informal money.
MSME / Udyam aware
If you have a Udyam registration, we pre-fill priority-sector benefits and surface lenders running CGTMSE-collateral-relaxation schemes.
All-in cost
Effective rate, processing fee, GST, mortgage stamp duty by state, prepayment terms - all on the offer card so the comparison is real.
Pre-existing PSB tie-ups
If you already bank with a PSB, we surface their preferential rates for current-account holders alongside the open-market quotes.
FAQ
Common questions about business loans
Most lenders require minimum 2-3 years' business vintage, INR 40 lakh annual turnover, profitable operations for at least the last full year, GST returns up to date and a CIBIL Commercial score above 650. Below these thresholds, secured options or revenue-based finance may be the only way.
For loans above INR 1 crore, almost always yes - typically property mortgage. For tickets up to INR 1 crore, several NBFCs offer unsecured options to qualifying businesses, sometimes with the personal guarantee of the proprietor / directors. The Credit Guarantee Trust for Micro and Small Enterprises (CGTMSE) covers loans up to INR 5 crore for MSMEs without separate collateral.
Term loans use reducing-balance EMI just like home / car loans. Cash credit and overdraft charge daily interest on the daily outstanding balance, billed monthly. Lines of credit work the same way. Invoice discounting and revenue-based finance use a fixed-cost-of-capital model rather than an annualised rate.
Business proof (incorporation certificate / partnership deed / Udyam registration), two years' audited financials, two years' ITR, twelve months' bank statements, GST returns for the last four quarters, owner KYC (PAN, Aadhaar, photograph), property papers if collateral is involved.
Unsecured working capital from a digital NBFC can disburse in 5-7 working days post complete documents. Secured term loans take 15-30 working days because the property valuation and legal-search add a week to the file. Revenue-based finance is usually fastest at 3-5 working days because the underwriting is largely automated.
The Credit Guarantee Trust for Micro and Small Enterprises covers up to INR 5 crore of MSME loans without requiring third-party collateral. The lender pays a guarantee fee (passed through to you) but accepts the loan with a state-backed guarantee. Useful when you do not have property to mortgage.
Term loans typically allow part-prepayment after 6 EMIs, sometimes free, sometimes with a 2-4 percent charge. Foreclosure charges range from 0-5 percent. Working capital limits do not have prepayment charges; you simply repay and stop drawing.
Yes, several lenders specifically underwrite sole proprietorships. The eligibility uses the proprietor's ITR (typically ITR-3 or ITR-4) plus business banking statements. Tickets are usually smaller than for incorporated entities (Pvt Ltd / LLP).
RBF lenders charge a multiple - typically 1.1x to 1.4x the disbursed amount, repaid over 6-18 months as a percentage of monthly revenue. So a INR 50 lakh disbursement at 1.25x means INR 62.5 lakh repayable. The effective annualised cost of capital depends on the speed of repayment - faster revenue means a lower IRR for the lender, which usually means a slightly cheaper deal for you.
Yes, especially for term loans where there are 18+ months left and the rate gap is meaningful. Working capital is harder to BT because it is a relationship product; switching the working-capital bank usually means switching the current account too.
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