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Business Loan

Capital to grow — at a rate that respects your margins.

Compare collateral-free business loans and working-capital finance from leading NBFCs — for expansion, inventory, equipment or smoothing out cash flow.

Compare my offers Check eligibility
Collateral-free options Funds in 2–3 working days
14% p.a.
Interest rate, starting from
₹75 Lakh
Maximum loan amount
12–60 mo
Flexible tenure
Nil
Collateral, for eligible loans

EMI calculator

Know the EMI before you borrow

Model the repayment that fits your cash flow, then compare what each lender would actually charge.

₹10,00,000
16%
36 months

Illustrative only. Your actual rate depends on the lender's assessment of your business.

Your monthly EMI
₹35,157
Principal₹10,00,000Total interest₹2,65,652

Lender rates

Business loan rates, compared

Indicative starting rates across our partner NBFCs. Your matched offers are personalised after a free soft check.

LenderInterest rate (p.a.)Processing feeMax amount
Bajaj Finance14.00% onwardsUp to 2%₹50 Lakh
Tata Capital15.00% onwards1.5%–3%₹75 Lakh
Poonawalla Fincorp16.50% onwardsUp to 3%₹45 Lakh
Aditya Birla Finance17.00% onwardsUp to 3%₹50 Lakh
Lendingkart18.00% onwards2%–4%₹35 Lakh

Rates, fees and limits shown are indicative, for illustration only, and decided by each lender at its discretion. Not an offer or a guarantee of approval.

Eligibility & documents

What you'll need to apply

Lenders look at your business's track record and cash flow. Vyaaj shows the offers you actually qualify for.

Who can apply

  • Business vintage of 1 to 3 years (varies by lender)
  • Minimum annual turnover, per the lender's policy
  • Proprietor or director aged 25 to 65
  • GST registration and a business bank account
  • Credit score of 700+ for the best rates

Documents needed

  • KYC — PAN & Aadhaar of proprietor/partners/directors
  • Business proof — registration or GST certificate
  • Bank statements — last 6 to 12 months
  • ITR & financials — last 1 to 2 years
  • Business address & ownership proof

How to apply

From comparison to capital in three steps

1

Share your details

Amount, purpose and a few facts about your business. Fully online, about two minutes.

2

Compare real offers

Rates, EMIs and total cost side by side, with a soft check that won't touch your score.

3

Get working capital

Pick your lender, complete KYC, and receive funds — often within 2 to 3 working days.

Good to know

Business loan questions

Do I need to pledge collateral?
Many business loans are unsecured, so no collateral is required for eligible borrowers. Larger amounts or longer tenures may require security or a guarantor — Vyaaj shows each offer's terms clearly.
How much can my business borrow?
It depends on your turnover, vintage and profitability. Lenders typically size the loan to what your cash flow can comfortably service.
What turnover do I need?
Requirements vary by lender. Some lend to small businesses with modest turnover, while others set a higher floor. Comparing on Vyaaj surfaces the lenders whose criteria you meet.
How quickly are funds disbursed?
For digital-first NBFCs, approved loans are often disbursed within 2 to 3 working days of document verification.
Can a new business apply?
Most lenders ask for at least a year of business vintage. Newer businesses may still qualify with collateral, a strong co-applicant, or by exploring secured options.

Compare business loan offers in two minutes

Free, with no impact on your credit score. Find working capital at a rate that protects your margins.

Compare my offers How it works