Fuel the business, skip the collateral.
Up to ₹40 Lakhs unsecured — or up to ₹5 Crore with a CGTMSE government guarantee. Rates from 12% p.a., tenures up to 5 years, built for MSMEs, the self-employed and entrepreneurs. Rajesh's kitchen started here.
- Unsecured
- ₹40 Lakhs
- Via CGTMSE
- ₹5 Crore
- Rate
- from 12%
- Tenure
- up to 5 yrs
Pick the structure that fits your business.
| Type | Max amount | Rate | Collateral | Best for |
|---|---|---|---|---|
| Unsecured business loan | ₹40 Lakhs | 14%–30% | None | Working capital, small expansion |
| GST-based loan | ₹40 Lakhs | 12%–24% | None | GST-registered with regular filings |
| CGTMSE loan | ₹5 Crore | 10%–18% | None (govt guarantee) | MSMEs needing large collateral-free credit |
| Loan against property | ₹10 Crore+ | 9%–16% | Property | Large capital at the lowest rates |
| Equipment loan | ₹2 Crore | 11%–20% | The equipment itself | Manufacturing, construction |
Why this loan
Built to fund this dream properly.
Built for MSMEs
Products designed around business vintage, turnover and GST — not just salary slips.
GST fast-track
GST-registered businesses with regular filings can be approved in about 4 hours.
CGTMSE up to ₹5 Cr
Government credit-guarantee coverage means large loans without pledging assets.
Lenders compete
One application reaches multiple lenders via ONDC — compare and choose.
No collateral to ₹40L
Unsecured lending up to ₹40 Lakhs for eligible businesses.
Flexible repayment
EMI, overdraft or bullet structures, with tenures from 12 to 60 months.
Are you eligible? Most people are.
- ✓Business vintage of 1–2 years
- ✓Sole proprietorship, partnership, LLP or private limited
- ✓Self-employed professionals (doctors, CAs, architects, consultants)
- ✓Annual turnover per lender norms (typically ₹10–50 Lakhs)
- ✓Personal CIBIL 650+ (700+ for the best rates)
- ✓GST registration preferred — mandatory for the GST fast-track
- ✓Active bank account with 12+ months history
- ✓No defaults or settlements in the last 12 months
Documents you'll upload once.
- ✓PAN — business and personal
- ✓Aadhaar card
- ✓ITR with computation — last 2 financial years
- ✓Bank statements — last 12 months
- ✓GST registration and returns — last 12 months
- ✓Business proof (registration, GST certificate or Shop Act licence)
- ✓Business address proof
- ✓Balance sheet and P&L — last 2 years
The honest math
Know your business loan EMI before you commit.
FAQ
Business Loan questions, answered.
Who can apply for a business loan?
Proprietors, partnership firms, companies, LLPs and self-employed professionals with 1–2 years of business vintage and a CIBIL score of 650+.
How much can my business borrow?
₹50,000 to ₹40 Lakhs unsecured, and up to ₹5 Crore with CGTMSE government guarantee.
What is CGTMSE?
A government credit-guarantee scheme that lets MSMEs borrow up to ₹5 Crore without collateral — the guarantee stands in for your assets.
How fast is approval?
24–48 hours for unsecured loans, about 4 hours on the GST fast-track, and 5–7 days for CGTMSE.
Do I need collateral?
Not up to ₹40 Lakhs unsecured, and not under CGTMSE. Loans against property use the property itself.
Is business loan interest tax-deductible?
Yes — interest paid on business loans is deductible as a business expense.
My credit score is below 650 — any options?
Some lenders accept scores around 600 when GST filings and turnover are strong.
Ready to fund this dream?
Apply once — 10+ RBI-registered lenders compete for your business loan through ONDC.