Business Loan
Fuel your business growth with flexible financing from our NBFC & bank partners. Compare offers from our RBI-regulated bank & NBFC partners — free, with a dedicated advisor.
What is a Business Loan?
A business loan provides working capital or growth funding to proprietorships, partnerships, and companies — available with or without collateral depending on the loan amount and your business’s financial profile. Lenders primarily evaluate your business vintage, turnover, GST filings, and banking history rather than personal assets alone.
LTV / collateral: Unsecured — no collateral required on eligible profiles.
Why take it through Kredistar
- No-collateral financing options available
- Flexible end-use — inventory, expansion, equipment, working capital
- Overdraft and term loan structures available
- Fast sanction through our 15+ lender network
- One application compared across our bank & NBFC panel — zero fee to you
Types of Business Loan
Short-term funding for day-to-day operational expenses.
Lump sum for expansion, equipment, or long-term investment, repaid over a fixed tenure.
Loan specifically to purchase business equipment.
Flexible credit line — interest charged only on the amount you actually use.
Government-backed schemes for micro, small and medium enterprises.
Short-term funding against unpaid invoices to ease cash flow.
Eligibility
- Business vintage of 2+ years
- Minimum annual turnover ₹10 lakh
- GST registration and filed returns
- Good CIBIL score preferred
Documents
- PAN and Aadhaar of proprietor/partners/directors
- GST returns — last 12 months
- Bank statements — last 12 months
- Business registration and financial statements
Do’s
- Maintain clean GST filings and bank statements — lenders check both closely
- Keep business vintage and turnover documentation ready
- Compare collateral-free vs secured options — secured usually costs less
- Use the loan for its stated purpose to keep your credit history clean
- Build a repayment buffer if your revenue is seasonal
Don’ts
- Don’t mix personal and business banking — it complicates underwriting
- Don’t borrow more than your business can comfortably service
- Don’t ignore your business credit score in addition to your personal one
- Don’t skip comparing processing fees — they vary meaningfully by lender
- Don’t delay GST return filing; gaps can significantly affect eligibility
Estimate your Business EMI
Indicative calculation on a reducing-balance basis. Excludes processing fee, GST and other lender charges.
Business Loan — common questions
Do I need collateral for a business loan?
What documents are essential?
Can a new business get a loan?
How is my loan amount decided?
Can I prepay a business loan?
Our banking & NBFC partners
Loans are sanctioned and disbursed by these RBI-regulated lenders. Kredistar is their sourcing partner (DSA) — compare them and apply in one place.
Indicative starting rates published by lenders (Oct 2026) — your rate depends on your profile. Names and logos are trademarks of their respective owners, shown only to identify our lending partners.
Other loans you can compare
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