Instant Business Finance
Business Loan for Your Business Up to ₹50 Lakh, No Collateral
A customised, unsecured business loan for existing MSMEs — minimal paperwork, a transparent process, and a flexible tenure of 24 to 42 months, so your EMI fits your cash flow.
₹50L
Max Loan Amount
24-42
Months Tenure
100%
Collateral-Free
12%
p.a. Starting Rate
What Is a
Business Loan?
A business loan is financing that banks and NBFCs like FlexiLoans offer to business owners to cover working capital, purchase equipment, manage inventory, or fund expansion. A FlexiLoans business loan is unsecured — you don't need to pledge property, machinery, or any other asset as collateral. Your loan amount, interest rate, and tenure are customised based on your business's GST returns, bank statement, and credit profile, so the loan fits your business rather than the other way around.
If you run an existing business with at least 1 year of vintage — a shop, a manufacturing unit, a service firm, or an e-commerce venture — this loan is built for you. You get an instant loan offer with minimal paperwork, competitive interest rates starting from 12% per annum (1% per month), and a fully online, transparent process with no hidden charges.
Why ChooseFlexiLoans Business Loan?
Business Loan EMI
Calculator
A business loan EMI calculator can help you estimate your monthly installments and plan your finances better. Let us understand and explore how a business loan calculator works and how you can use it to your advantage when you apply for a business loans.
Transparent Business Loan Interest Rates & Charges
Our business loan charges are designed with complete transparency. From competitive interest rates and minimal processing fees to clearly defined penalties, you know exactly what you're paying for, with no hidden costs or surprises.
| Fee / Charge | Details |
|---|---|
| Interest Rate | Starting from 12% per annum (1% per month)* |
| Processing Fee & Document Chagres | 2-6% of the loan amount + GST |
| Loan Tenure | 24 to 42 months |
| Foreclosure Charges | 5% on the pending principal amount |
| Late Payment Fee | ₹1,000 + GST* |
| Bounce Charges | ₹750 for each bounce |
*Rates and charges vary based on your business profile and credit score.
Business LoanEligibility Criteria
We've designed our business loan eligibility criteria to be inclusive while ensuring responsible lending. To qualify for a FlexiLoans term loan for business, your business should meet the following requirements:
Our eligibility assessment takes into account various factors beyond traditional banking parameters, allowing more MSME term loan applicants to access formal credit. We evaluate your business holistically, considering business financials, transaction patterns, and industry potential.
Apply NowMin 1 Year
Operational History
₹2 Lakhs +
Monthly Turnover
21 to 64 Years
Age
700+
Credit Score
Documents Required
1. Personal KYC
- PAN Card
- Proof of Address (Voter's ID / Driving Licence / Rental Agreement / Electricity Bill)
2. Business KYC
- GST Registration Certificate
- Any other business KYC (if you don't have GST registration)
3. Banking & Financial
- Last 6 Months' Bank Statement
- Last 2 Years' ITR Filings
- 6 Months' GST Returns
- Financial Statements (only for loans above ₹20 Lakh)
How to Apply for aBusiness Loan Online?
Our digital-first approach makes the business loan application process paperless and branchless. Here are the steps you can follow to get a business loan of ₹50 lakh:
Check EligibilityFill in Your Business and Financial Details
In order to proceed further with the business loan application, you must provide all the essential documents we have listed above.
Upload the Required Documents Securely
Upload all your documents quickly and safely with soft copies. Our digital process eliminates the need to follow paper trails.
Get Eligibility Confirmation and a Loan Offer
Once you upload all your documents, we assess them and provide status about approval or rejection. If you qualify, we will release a loan offer.
Accept the Terms and Receive Funds in Your Account
After accepting the terms, you will receive the loan amount in your bank account to fund your business operations.
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 |  | Banks | Other NBFCs |
|---|---|---|---|
| Loan Amount | Up to ₹50 Lakh | Up to ₹50 Lakh | Up to ₹25 Lakh |
| Approval Process | Quick, tech enabled | Multiple branch visits | Varies by lender |
| Collateral | Not required | Often required | Sometimes required |
| Documentation | Minimal | Extensive | Moderate |
| Interest Rates | Starting from 12% p.a. | Typically higher | Varies |
| CIBIL Score | 700+ | 750+ | 700+ |
Loan
Products
Smart financing solutions to power your business growth — Simple, Fast, and Transparent.
Success Speaks:
Our Customers, Our Pride
A BIG thank you to team Flexiloans, to help me for expanding my vision into reality
Sangeeta Pawar
Grocery Shop Owner, Mumbai
The disbursement of funds was very fast which helped me plan better. All my queries were answered by their team which made the process easier.
S Sivakumar
Owner of Shrinee Fashions, Tirupur
The service was exceptionally great, very quick & hassle free. I would rate the service 10 on 10!
Stephan Balakrishnan
Medical Shop Owner, Mumbai
The disbursement of funds was very fast which helped me plan better. All my queries were answered by their team which made the process easier.
S Sivakumar
Owner of Shrinee Fashions, Tirupur
Frequently Asked Questions
A business loan is a financial product offered by banks, NBFCs, and lenders to help businesses meet their funding needs — whether for expansion, working capital, equipment, or cash flow management. FlexiLoans offers 100% collateral-free, fully digital business loans up to ₹50 Lakh with disbursal within 48 hours.
Interest rates for business loans with FlexiLoans start from as low as 1% per month (12% per annum). The exact rate depends on your business profile, credit history, and loan amount. You can use our EMI calculator above to estimate your monthly repayments.
You need the following documents:
- Personal KYC: PAN card and proof of residential address
- Business KYC: GST Registration or Shop Establishment Certificate
- Banking: last 6 months bank statement, ITR filings for 2 years, 6 months GST returns
FlexiLoans can provide business loan approval within 48 hours of submitting a complete application. Our digital, paperless process ensures quick document verification and credit assessment, so you get funds when you need them most.
No. FlexiLoans offers 100% unsecured business loans — no collateral or guarantor is required. Loan approval is based on your business profile, creditworthiness, and repayment history.
You can use a FlexiLoans business loan for a wide range of purposes, including:
- Expanding your business or opening a new outlet
- Purchasing equipment or machinery
- Managing working capital and operational expenses
- Handling seasonal cash flow gaps
- Paying salaries or vendor dues
Trusted by India's
leading Businesses
We partner with top NBFCs and banks to bring you flexible, transparent business loans—so you get the right funding without the hassle.
100+ Partners and growing
