Business Loan Solutions
Customized collateral-free business loans, machinery finance, and working capital limits to expand your enterprise.
Quick Highlights
About the Loan
A Business Loan is a dedicated credit facility designed to fund commercial operations, business expansion, inventory purchases, machinery upgrades, or managing daily working capital requirements. Unlike other loans, a business loan focuses on your company's financial health, annual turnover, and operational profitability. Business loans can be secured (requiring collateral like commercial land) or unsecured (no security required, based entirely on business turnover and GST returns). At Loansta, we understand that businesses need quick, hassle-free credit to capitalize on market opportunities. We help MSMEs, retailers, manufacturers, and service providers compare business loan offers from leading banks and NBFCs in India. Our unsecured business loans provide funding of up to ₹75 Lakhs with zero collateral and minimal documentation. Lenders evaluate your annual business turnover (usually minimum ₹15 Lakhs), active GST registrations, and profitability trends over the last 2-3 years. For larger scale requirements, we assist with specialized programs such as machinery finance, letter of credit (LC), bank guarantees, and CGTMSE-covered government schemes for startups. Our financial experts guide you through the process, optimizing your business profile to ensure fast sanctions and competitive rates.
Benefits of Loansta
✓No Collateral Required
Secure unsecured business funding without pledging factory assets or property.
✓Quick Disbursement
Get credit sanctions within 3 to 5 working days to meet urgent inventory demands.
✓Flexible Working Capital
Draw funds as needed with overdraft structures to manage seasonal cash flows.
✓Longer Repayment Tenure
Comfortably repay unsecured loans over a flexible tenure of 1 to 5 years.
✓Minimal Documentation
Apply with basic business registration details, GST returns, and bank statements.
✓Tax Deductible Interest
Claim the interest paid on business loans as a legitimate business expense.
✓Boost Business Growth
Use funds for marketing, warehouse expansion, or hiring skilled manpower.
✓Specialized MSME Schemes
Access government-backed business loan benefits with lower rates.
✓Reputable Lending Partners
Compare offers across HDFC, ICICI, Axis, Tata Capital, and Bajaj Finserv.
✓Build Credit Profile
Establish a strong commercial credit rating (CRIF) for future large-scale funding.
Features & Variants
MSME & Small Business Loan
Unsecured working capital loans tailored for retail shop owners and small manufacturers.
Machinery/Equipment Finance
Funding up to 90% of equipment cost to upgrade manufacturing setups.
Working Capital Term Loan
Short to medium term loans to manage inventory, payroll, and vendor payments.
Eligibility Criteria
- Age: 25 to 65 years at the time of loan maturity
- Nationality: Resident Indian, Sole Proprietor, Partnership Firm, Private Limited Company, or LLP
- Employment: Active business operations for a minimum of 3 consecutive years with stable GST registration history
- Income: Minimum annual business turnover of ₹15 Lakhs with positive net worth and profitability
- Requirements: Clean individual CIBIL score (700+) and commercial credit score (CRIF) with no history of write-offs.
Required Documents
- PAN Card and Aadhaar Card of the business owner(s) (KYC)
- Business Registration Proof (GST Registration certificate, MSME Certificate, Shop & Establishment license)
- Bank Account Statement for the last 12 months (all active business accounts)
- GST Returns (GSTR-3B and GSTR-1) for the last 12 months
- ITR logs for the last 2 years along with Balance Sheet and Profit & Loss statement audited by a CA
Interest Rate Comparison
| Bank Name | Interest Rate | Processing Fee | Max Tenure |
|---|---|---|---|
| HDFC Business Loan | 14.00% - 18.00% | Up to 2.0% | 1 to 5 Years |
| Bajaj Finserv | 14.50% - 21.00% | Up to 3.0% | 1 to 5 Years |
| Tata Capital | 14.25% - 19.50% | Up to 2.5% | 1 to 5 Years |
| Axis Bank | 14.50% - 22.00% | Up to 2.0% | 1 to 5 Years |
Plan Your EMI Smartly
See your monthly EMI before you apply — adjust amount, rate and tenure.
Principal vs Interest
- Principal (77.5%)₹15,00,000
- Interest (22.5%)₹4,34,451
Year-wise Repayment
- Outstanding balance
- Paid-down area
How to Apply
Choose Loan
Compare & pick products
Fill Form
Submit basic inputs
Upload Docs
Share digital KYC
Verification
Bank reviews files
Approval
Get sanction letter
Disbursement
Money in account
Customer Testimonials
Vijay Patel
Surat"We got our machinery finance sanctioned in just 4 days. Excellent doorstep service from Loansta!"
Harpreet Singh
Ludhiana"Unsecured business loan of ₹30 Lakhs was approved without collateral. Very happy with the rate."
Amit Rastogi
Kanpur"Helped our MSME register for a government subsidised scheme. Recommended for business owners."
Geeta Iyer
Bengaluru"Smooth verification process. The portal allowed us to upload all GST details digitally."
Deepak Kumar
Chennai"They compared multiple NBFC rates and helped us secure a working capital limit."
Suresh Chandra
Mumbai"Highly professional advisors. Helped draft project reports required for bank approval."
Frequently Asked Questions
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Get a Call Back
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