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Business Loan EMI Calculator
Calculate your monthly EMI before applying
EMI Breakdown
Find Best Business Loan Offers
Compare offers from top lenders and choose the best one for your business
Why Choose PaisaOne?
Experience hassle-free business financing with our comprehensive solutions
20+ Partner Banks/NBFCs
Choose from a wide network of trusted lending partners
Secured & Unsecured Options
Pick the loan type that best suits your business needs
Working Capital Solutions
Get working capital and top-up loan solutions
Flexible Tenure
Flexible repayment tenure of up to 4 years
Quick Processing
Fast approval and disbursal process
EMI Calculator
Calculate your EMI before applying
What is a Business Loan?
Business loan is a credit facility offered to self-employed individuals, self-employed professionals, private companies and partnership firms, MSMEs, etc. for financing their working capital requirements, capital expenditure requirements and other business related activities.
Key Benefits
- Quick approval and disbursal
- Flexible repayment options
- Competitive interest rates
- Minimal documentation
Use Cases
- Working capital requirements
- Business expansion
- Equipment purchase
- Inventory financing
Types of Business Loan
Choose from various business loan schemes to suit your specific operational requirements
Unsecured Term Loans
Collateral-free loans for MSMEs to meet business expansion and cash flow requirements
Secured Term Loans
Loans offered against collateral like property, business assets, or financial instruments
Working Capital Loans
Finance day-to-day business operations like raw material purchases and wage payments
Equipment Finance
Specialized loans for purchasing machinery and equipment for business operations
Professional Loans
Tailored loans for self-employed professionals to finance profession-related requirements
Bill Discounting
Raise finance by selling invoices/receivables before due dates at a discount
- Age: 21 years at application, 65 years at maturity
- Minimum Business Vintage: 3 years
- Minimum Business Turnover: ₹90,000 to ₹250 crore
- Credit Score: 700 or above
- Minimum Income: ₹1 lakh per annum
- Eligible Entities: Sole Proprietorship, Partnerships, LLPs, Pvt Ltd, Public Ltd
Identity Proof
Address Proof
Income Proof
Business Proof
How to Apply for a Business Loan Online?
Get up to Rs 1 crore in 5 simple steps
Enter Mobile
Enter your mobile number in the application form
Verify OTP
Enter OTP to verify your mobile number
Personal Details
Provide your personal and business details
Select Bank
Select a bank account for account aggregator consent
Compare & Apply
Compare offers and apply for the best-suited loan
What our customers say
Real experiences from business owners who got loans through PaisaOne
I got loan for opening my clothing store from PaisaOne without any difficulty. They didn't ask for any guarantor or third party. Recommended!
Vinod
Retail Store
I was guided well. Thanks a lot. I can open my own boutique. Thanks again to PaisaOne.
Kajal
Boutique
Really Professional...nice experience with PaisaOne in getting short-term loan with Axis Bank. No collateral was asked.
Surbhi
Service Business
Customer service was very supportive. I planned to open a resort in Goa. Got it going with Axis bank and their professional staff.
Jay
Hospitality
FAQs on Business Loan
Get answers to commonly asked questions about business loans
What is the maximum business loan amount I can get?
You can get a business loan of up to ₹1 crore depending on your business turnover, credit score, and repayment capacity. Different lenders offer different maximum amounts.
What is the minimum credit score required for a business loan?
Most lenders require a credit score of 700 or above for business loans. However, some lenders may consider applications with lower credit scores based on other factors like business turnover and collateral.
How long does it take to get a business loan approved?
Business loan approval time varies from 2-7 working days for unsecured loans and 7-15 working days for secured loans, depending on the lender and completeness of documentation.
Can I get a business loan without collateral?
Yes, many lenders offer unsecured business loans without requiring collateral. These loans are based on your credit score, business turnover, and repayment capacity.
What can I use a business loan for?
Business loans can be used for working capital, business expansion, equipment purchase, inventory financing, technology upgrades, and other business-related expenses.