Instant growth capital
Business Loan
Working capital and expansion funds for MSMEs
Unsecured and semi-secured business loans for GST-registered firms, proprietors, and companies in Bangalore and across Karnataka.
Amount
Up to ₹75 Lakh
Rates from
14.00% p.a.
Tenure
12 – 60 months
Approval
3–7 working days*
Why borrowers pick this product
- GST and banking-based underwriting
- Overdraft and term-loan structures
- Top-up on existing performing loans
- Support for machinery and fit-outs
Indicative lender grid
Compare side by sideFigures are public-range illustrations for planning, not live bank APIs or guaranteed offers.
| Lender | Type | Rate | Amount | EMI / lakh | Processing | |
|---|---|---|---|---|---|---|
| Bank of Baroda | Nationalized Bank | 8.15% – 11.2% | ₹10 L – ₹10 Cr | ₹2,001 – ₹2,180 | Up to 1% | Enquire |
| Canara Bank | Nationalized Bank | 8.15% – 11.9% | ₹5 L – ₹5 Cr | ₹2,001 – ₹2,200 | Up to 0.50% | Enquire |
| HDFC Bank | Private Bank | 8.35% – 14.5% | ₹50,000 – ₹10 Cr | ₹2,015 – ₹2,370 | Up to 1% or as advertised | Enquire |
| ICICI Bank | Private Bank | 8.4% – 15% | ₹50,000 – ₹5 Cr | ₹2,018 – ₹2,400 | Up to 2% | Enquire |
| Axis Bank | Private Bank | 8.5% – 16% | ₹50,000 – ₹5 Cr | ₹2,025 – ₹2,450 | Up to 1.5% | Enquire |
| Kotak Mahindra Bank | Private Bank | 8.7% – 16.5% | ₹1 L – ₹3 Cr | ₹2,040 – ₹2,480 | Up to 2% | Enquire |
| Bajaj Finance | NBFC | 11% – 28% | ₹50,000 – ₹55 L | ₹2,175 – ₹3,100 | Up to 3.93% | Enquire |
| Tata Capital | NBFC | 10.99% – 24% | ₹75,000 – ₹75 L | ₹2,170 – ₹2,900 | Up to 3% | Enquire |
| IDFC FIRST Bank | Private Bank | 8.85% – 18% | ₹1 L – ₹5 Cr | ₹2,050 – ₹2,550 | Up to 2% | Enquire |
Working capital
Smooth inventory and receivable cycles with a term loan or dropline overdraft.
Expansion
Fund a second outlet, new equipment, or a tender margin with a clear repayment plan.
Professional practices
Custom products for clinics, CA firms, and consultants with practice vintage.
Eligibility
- Business vintage typically 2+ years
- GST registration preferred
- Positive banking and ITR for 2 years
- Promoters with acceptable bureau scores
Documents
- KYC of proprietors / directors
- GST returns and ITR for 2 years
- Current account statements (12 months)
- Partnership deed or company papers
FAQs
Many unsecured programmes go up to a lender-defined cap. Larger tickets may need property or FD as comfort.
