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Business Loans to Support Your Growth

Cash flow is one of the biggest reasons why companies fail, and FlexiLoans business loan is the right solution to help. We understand the importance of access to funds to cope with the financial challenges, especially in Tier 2 and 3 cities. Our flexible financing solutions are tailored for small and medium enterprises to help them overcome such challenges. FlexiLoans allows you to get a business loan now without paperwork or long wait hours. Get a business loan instantly with flexible repayment options to eliminate financial strain on your company.

With an option to choose a tenure between 12 to 36 months, you can get an EMI that helps best manage your cash flow. This makes it an ideal solution for companies to manage their working capital needs or business expansion.

You can apply for a business loan online to meet your urgent monetary needs from the comfort of your home or workplace. Our streamlined processing strategy, facilitated by advanced technology, ensures quick disbursal, usually within 48 hours. We aim to address your funding needs and help you thrive in today’s competitive business landscape.

Why FlexiLoans is the Ideal Choice for Your Financial Needs

Quick Disbursal

FlexiLoans offers you easy access to credit within 48 hours to seize the right opportunities and manage emergencies without delay.

No Collateral

Our business loans are 100% unsecured. If approved, you can get the credit without pledging any asset.

Flexible Loan Tenure

We offer a flexible loan tenure of 12 to 36 months, so you can choose the right balance. Use this to make timely payments to improve your credit rating and avail yourself of higher loans with lower interest rates.

Easily Accessible

We have a pan-India presence to support any and every small and medium enterprise across India. Whether you operate in Tier 1, 2, or 3 cities, we are here to support you financially in every possible way.

100% Digital

You don’t have to visit any branch or undergo lengthy paperwork to avail of a business loan from FlexiLoans. Our application process is 100% online, and you can apply to get business lending easily from our website.

Business Loan EMI Calculator

50K
1cr
12%
24%
12m
36m

Breakup

Principal Amount
Interest Amount*
Monthly EMI*
Total Payable Amount*:

FlexiLoans’ Business Loan Features & Benefits

With our straightforward loan application process, you can get a business loan with a wide range of features and benefits to address all your financial needs.

Up to ₹50 Lakh

Get instant credit of up to ₹50 Lakh with minimal documentation. Whether you want to expand your business, purchase equipment, or pay salaries, select a loan amount based on your requirements.

12 to 36 Months Tenure

Missing timely repayment can impact your credit rating and future loan terms. Choose from a flexible tenure between 12 and 36 months for a repayment schedule that does not lead to financial strain.

Competitive Interest Rates

With affordable interest rates starting from just 12% per annum, you can focus more on your business while worrying less about high-interest payments. Use our business loan EMI calculator to calculate EMI beforehand and repay the loan stress-free.

Easy Business Loan Eligibility

Unlike several other Non-Banking Financial Companies (NBFCs), our business loan eligibility criteria are quite simple. You can get a business loan now by meeting simple criteria, including:

  • Minimum turnover requirement (varies based on loan amount)
  • Two years business vintage
  • Turnover above ₹300,000 for 3 months

Minimal Documentation

To get a business loan from FlexiLoans, you only need a PAN card, Aadhar card, GST details, and the current account statement for the last six months. We have kept the documentation process simple to ensure our borrowers can quickly access their funds without any delays.

100% Collateral-Free

While some lenders offer business loans against collateral, our solutions are 100% unsecured. These loans are offered based on your creditworthiness and do not require you to risk your assets.

Transparent Business Loan Interest Rates & Charges

Type of Charges Description
Customized Interest Rates Starting from 1% per month
Processing Fees 2-4%
Loan Tenure Up to 36 months
Foreclosure Charges 5% on the pending principal amount
Late Payment Fee ₹1000+GST*
Bounce Charges ₹750/- For Each Bounce

Get a Business Loan in 3 Simple Steps

  • Fill the Application Form

    To apply for FlexiLoans business loans online, simply fill out the application form on our website. Add basic information about your business, including your PAN, mobile number associated with your company, GST details, etc.

  • Upload Documents for Verification

    After filling out the application form, upload all the required documents for verification. This can include copies of your business’s PAN, GST, and more. We have streamlined the documentation process to reduce the application time.

  • Get the Disbursal

    Once you complete and submit the application, our team will review it promptly. We will perform all the processes, from document verification to CIBIL credit rating checks, and notify you about the approval within 48 hours. Once approved, the loan amount will be disbursed into your bank account.

Apply Now

Determine Your Business Loan Capacity

Knowing how much you can borrow can help you plan your business vision accordingly and enable you to manage finances effectively. You can use our loan eligibility application, which is designed to help evaluate your borrowing capacity.

How to Use the Loan Eligibility Application

  • Click the “Check Business Loan Eligibility Now” button below to start the process.
  • You will be redirected to a page with a form that asks for basic details like your name, mobile number registered with your business, whether your enterprise is GST registered or not, and monthly sales.
  • You can then click the “Check Eligibility Now” button, and the tool will instantly calculate the amount you may be eligible for.
  • The tool is designed to consider your business profile to give you a clear idea of potential financial options from FlexiLoans.

Our Customers’ Valued Feedback

We’re thrilled to see how our financial support has empowered numerous businesses in their journeys. Some of our customers have shared their stories with us on how our MSME loans have helped them scale their ventures and cope with financial roadblocks.

Our aim is not just to offer loans to those who need them; we are invested in fostering genuine partnerships, partnerships that are built on reliability and financial empowerment. These stories fuel our drive to deliver accessible and impactful funding for businesses.

Here’s what some of our customers have to say:

"FlexiLoans helped me secure the funding I needed to expand my business without the stress of collateral."
- Rajesh, Small Business Owner

Rajesh's experience highlights the ease of accessing funds without the burden of collateral, allowing him to focus on growth rather than worrying about assets.

"The application process was quick and easy! I was able to focus on my business instead of paperwork."
- Priya, Entrepreneur

Priya’s feedback emphasises the efficiency of our online business loan application, which streamlined her ability to secure financing quickly, enabling her to concentrate on her entrepreneurial endeavors.

"Thanks to FlexiLoans, I could purchase new equipment that has significantly increased my productivity."
- Amit, Manufacturer

Amit's success story showcases how our loans directly contribute to enhancing operational efficiency, demonstrating the tangible benefits of business financing.

If you are considering a business loan, let these stories inspire you to connect with the right lender, FlexiLoans. Connect with our team or hit the “Apply” button to get started on your journey to getting instant funds for your business needs.

FlexiLoans Vs. Other Lenders

Business lending options are easily available from many banks and NBFCs. It is important to consider the offers from different lenders to find the right one for your business needs.

Over several years, we have crafted our business loan application process and terms to offer distinctive benefits like quick approval and minimal documentation requirements. This makes us an ideal choice for MSMEs seeking instant business loans for their financial needs.

Here’s how FlexiLoans fares against other lenders:

Feature FlexiLoans Traditional Banks Other NBFCs
Approval Time Within 48 hours Several days Varies
Documentation Minimal Extensive Moderate
Collateral Requirements None Required Varies
Interest Rates Starting from 1% Typically higher Varies

Ready to Grow Your Business? Apply for a FlexiLoans Business Loan Now!

Set sail on the journey to achieve your business ambitions today by applying for our business loan online. With our simple and hassle-free application process that requires minimal documentation, you can access up to ₹1 crore instantly. Connect with our team of experts, who are more than happy to guide you through the steps of the application process and answer all your queries.

Seize new opportunities without financial roadblocks

Apply Now

Business Loan FAQs

What is a business loan?
A business loan is a loan type that banks, non-banking financial companies, financial institutions, and other lenders offer to business owners. This loan aims to help companies cover operational expenses, scale businesses, buy equipment, give salaries to employees, or any other financial needs. Company owners can get a business loan to cover their short-term or long-term needs, thanks to a flexible tenure. They can select a tenure based on the interest rates to get an EMI that does not impact their finances drastically.
What factors can influence business loan eligibility?
Factors like geographic location, existing credit, CIBIL Rank, business vintage, income, etc., can influence business loan eligibility. To increase the chances of business loan approval, you should try to clear any existing debt and improve your credit history.
What documents are required to apply for a FlexiLoans business loan?
Our documentation process is very simple and requires:

Personal KYC documents:

  • - PAN card
  • Proof of residential address (can include Voter’s ID, rental agreement, Driving License, etc.)

Business KYC

  • - GST Registration or Shop Establishment Certificate

Banking

  • - Last 6 months bank statement of company’s current account
  • - Financial documents (required only for loans above ₹20 lakhs)
  • - 2 years business vintage
  • - ITR filings for the last 2 years​
  • - Proof of 6 months of GST returns
What are the interest rates for a business loan with FlexiLoans?
Interest rates for business loans start from as low as 1% per month. We aim to offer the most affordable business loans to make repayment easier.
What is the maximum loan I can apply for?
FlexiLoans offers unsecured business loans up to ₹1 crore, but not every business is eligible for such a huge loan. You can use our check eligibility form to determine how much money you can get.
How long does it take to get a business loan?
Usually, FlexiLoans can provide a business loan within 48 hours. Sometimes, processing takes a little longer, resulting in a delay.
What minimum CIBIL Rank is required to get a business loan?
There’s no hard and fast rule about having some particular CIBIL Rank to get a business loan. However, having a rank between CMR 1 and CMR 3 makes it easier to get a business loan because of a good credit history.
What is the importance of business vintage?
Business vintage plays a significant role in determining loan eligibility. A longer vintage reflects stability and improves the chances of loan approval.
What happens if someone cannot pay a business loan EMI on time?
If someone cannot pay an EMI on time for a business loan, it may impact your company’s CIBIL ranking. In some cases where the individual has no other means to repay the loan, the lender may take over their assets. Therefore, it is always advised to determine how much you require and what the EMI will be before applying for a loan. You can use the FlexiLoans business loan EMI calculator to check EMI beforehand.
Can I use the business loan amount for working capital?
Yes, you can use the business loan amount to manage short-term financial needs like working capital, operational costs, equipment purchases, and more.
How long does it take to get the business loan approved?
Once all documents are submitted, loan approval can be done in 48 hours so you can get funds when you need it the most.
What kind of businesses are eligible for FlexiLoans business loan?
Businesses with operational history of at least 2 year, valid GST registration certificate and last 6 months bank statements from their current account are eligible to apply.
Do business loans require collateral?
FlexiLoans offers 100% unsecured business loans, so no collateral is required. Business owners can get funds without putting their assets at risk.
Can I increase the credit limit of business loan?
Yes, credit limit can be increased for business loan. FlexiLoans will evaluate such requests based on your business’s financial performance and repayment history
What is the repayment tenure of business loan?
FlexiLoans offers flexible repayment tenure of 12 to 36 months so you can choose a period that suits your cash flow and financial planning.
Are there any hidden charges associated with the loan?
FlexiLoans has transparent pricing model with no hidden fees so you can understand your financial commitment easily.
How can I calculate my business loan EMI?
You can use Business Loan EMI Calculator to calculate your monthly payments by entering the loan amount, interest rate and tenure.
Can I apply for business loan with limited documentation?
Yes, you can apply for business loans even with good credit history and with minimal documentation.
How business vintage impacts eligibility for business loans?
Business vintage plays a significant role in determining your loan eligibility. Longer business vintage often indicates stability and may improve your chances of business loan approval.

Apply Now

Apply Now