BizEase | Business Loan Comparison & EMI Calculator
Fuel Your Business Growth
Expand, Innovate & Succeed with the Right Business Loan
Every business needs capital to scale — whether it's for new machinery, inventory, marketing, or expansion.
A business loan provides the financial flexibility to seize opportunities and overcome cash flow gaps without diluting equity.
Bank / NBFC
Annual Turnover
Interest Rate
Loan Tenure
Max Loan Amount
CIBIL / Credit Score
Apply Now
HDFC Business Loan
₹40L+ / annum
10.25%
60 Months
₹50,00,000
750+
ICICI Business Loan
₹30L+ / annum
9.9%
84 Months
₹75,00,000
770+
Axis Bank Business Loan
₹25L+ / annum
11.2%
48 Months
₹40,00,000
730+
Kotak Business Loan
₹35L+ / annum
10.5%
72 Months
₹60,00,000
740+
What is a Business Loan?
A Business Loan is a financial product designed specifically for business owners, entrepreneurs, and self-employed professionals to fund operational costs, expansion, working capital, or asset purchase. It can be secured or unsecured based on business health and turnover.
How Does a Business Loan Work?
Lenders evaluate your business turnover, profitability, credit history, and years in operation. Upon approval, you receive a lump sum amount that you repay via EMIs over a fixed tenure.
Application & Documentation
Eligibility & Credit Assessment (CIBIL & Business Score)
Loan Sanction & Disbursement
Flexible Repayment (EMIs)
Prepayment / Foreclosure Options
Features of a Business Loan
High Loan Amount: Up to ₹75 Lakhs or more
Flexible Tenure: 12 months to 7 years
Competitive Interest: Starting from 9.5% p.a.
Collateral-Free Options: Unsecured business loans available
Quick Disbursal: Within 48 hours for eligible businesses
Overdraft Facility: Some lenders offer flexible credit lines
Eligibility Criteria (Typical)
Age: 25 – 65 years
Business vintage: Minimum 3 years
Minimum Annual Turnover: ₹20-30 Lakhs
CIBIL Score: 700 or above (preferred)
ITR for last 2 years & audited balance sheet
Required Documents
📄 For Proprietorship / Partnership
KYC of Proprietor/Partners (Aadhar, PAN)
Business Proof (GST, Shop Act License)
ITR & Financials (2-3 years)
Bank Statements (last 12 months)
🏢 For Private Limited Companies
MOA & AOA, COI
Board Resolution for loan
Audited Balance Sheet & P&L
GST Returns, Bank Statements
Business Loan FAQs
1. Can I get a business loan without collateral?
Yes, many banks offer unsecured business loans based on turnover and credit score, without requiring any asset pledge.
2. What is the maximum loan amount for a business loan?
It ranges from ₹10 lakhs to ₹75 lakhs for unsecured loans, and even higher for secured loans against property or assets.
3. How long does it take to get a business loan approved?
With complete documentation, approval can happen within 24-72 hours, and disbursement within a week.
4. What is the minimum CIBIL score required?
Most lenders prefer a CIBIL score of 700 or above. A higher score improves chances of lower interest rates.
5. Can startups apply for business loans?
Yes, several NBFCs and government schemes (like MUDRA) provide business loans to startups with 1+ year of operation and good potential.
