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Business Loans to Support Your Growth

Business Loans to Support Your Growth

Access quick and hassle-free business loans with FlexiLoans. Our unsecured loans are designed for MSMEs and SMEs across India, including Tier 2 and Tier 3 cities, helping you manage cash flow, working capital, and expansion with ease.

  • Loan amount: Up to 50 Lakh 
  • Tenure: 12–36 months
  • Approval & Disbursal: Within 48-72 hours
  • Collateral: Not required

Apply online in minutes and get funds directly into your account without lengthy paperwork or delays.

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
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12m
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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.

Business Loan Interest Rates & Charges

Transparent Business Loan Interest Rates & Charges

FlexiLoans ensures complete transparency with no hidden charges. Here’s a quick overview of applicable business loan interest rates and fees:

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

Apply for a Business Loan in 3 Simple Steps

Step 1: Submit Application

Fill in the online business loan form with basic details about you and your business.

Step 2: Upload Documents

Provide soft copies of required KYC, bank statements, and business proof for quick verification.

Step 3: Loan Approval & Disbursal

Once verified and approved, sign the agreement digitally and receive funds directly in your bank account within 24–48 hours.

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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

See how FlexiLoans has helped MSMEs across India overcome challenges and grow their 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

Banks, NBFCs, and digital lenders all offer business loans, but terms and loan processes vary. FlexiLoans focuses on faster approvals and minimal documentation to support MSMEs that require quick access to funds.

Here’s how it compares with other options:

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 type of financing offered by banks, NBFCs, and financial institutions to business owners. It helps cover operational expenses, expand the business, purchase equipment, pay employee salaries, or meet other financial needs.
What factors influence business loan eligibility?
Eligibility depends on factors like credit score, business vintage, annual turnover, repayment history, and sometimes location. Clearing existing debt and maintaining a healthy CIBIL score can improve approval chances.
What documents are required to apply for a FlexiLoans business loan?
Typically required documents include:
  • Personal KYC: PAN card, residential proof (Voter ID, Driving Licence, etc.).
  • Business KYC: GST registration or Shop Establishment Certificate.
  • Banking & Financials: Last 6 months’ current account bank statements, ITR filings (for loans above ₹15 lakh), proof of 2 years business vintage, and GST returns.
What are the interest rates for a business loan with FlexiLoans?
Rates start from as low as 1% per month, making repayment affordable and predictable.
What is the maximum loan amount available?
You can apply for unsecured business loans of up to ₹ 50 Lakh, subject to eligibility and business performance.
How long does it take to get a business loan?
Approval is usually within 24–48 hours after document submission. Disbursement follows immediately once the agreement and other required documents/processes are completed.
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 I miss an EMI?
Missing an EMI can negatively impact your credit score and may result in penalty charges. It is advised to plan EMIs using the Business Loan EMI Calculator.
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.
Is collateral required for a business loan?
No, FlexiLoans offers 100% unsecured business loans, so you don’t need to pledge any assets.
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 repayment tenure is available?
FlexiLoans offers flexible repayment options ranging from 24 to 36 months, allowing businesses to choose the option that suits their cash flow.
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.
Can startups apply for a business loan?
Yes, startups can apply. While many lenders require 1–2 years of operations, FlexiLoans considers parameters, such as sales performance and cash flow, with a minimum of 1 year of business vintage.
What is the difference between secured and unsecured business loans?
Secured loans require collateral such as property or inventory. Unsecured loans, such as those offered by FlexiLoans, do not require collateral, thereby reducing the risk to business owners.
Are there business loans for women entrepreneurs?
Yes, FlexiLoans and other lenders offer special loan programs for women entrepreneurs with flexible eligibility and customised offers.
Is GST registration mandatory to get a loan?
GST registration strengthens your eligibility, but it is not always mandatory. Other factors, such as bank statements and turnover, are also considered.
What repayment modes are available?
You can repay your loan via monthly EMIs through auto-debit, NACH mandate, or post-dated cheques.
Can I foreclose my business loan early?
Yes, you can foreclose your loan by paying the pending principal plus applicable foreclosure charges.
What if my loan application gets rejected?
You can reapply after addressing the eligibility gaps, such as improving your credit score, increasing your turnover, or strengthening your documentation.

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