Business Loan for growing businesses
Understand what lenders look at – GST, ITR, banking and collateral – and apply prepared.
Business badhane ke liye sahi taiyari.
We are not a bank or NBFC. Approval, amount and interest rate are decided only by the lender.
Why Business Loan?
Funds for stock, working capital, machinery or expansion – secured or unsecured, as per the lender.
Term loan
Lump sum repaid in EMIs.
Working capital
For stock and daily operations.
Overdraft / credit line
Pay interest on what you use.
Secured loan
Against property or assets.
Machinery loan
For equipment purchase.
Govt. schemes
Via participating banks – check official portals.
Who can apply
- Business vintage
- Turnover & profit
- GST filing
- Healthy bank statements
- ITR & financials
- Good credit record
- Udyam registration
General guide only. Each lender sets its own rules; meeting them does not guarantee approval.
Documents
- KYC of owner/partners
- Udyam / GST certificate
- Bank statements
- ITR with computation
- GST returns
- P&L and balance sheet
The lender may ask for more.
Charges to check
Set by the lender and different for each person. Check these in the Key Facts Statement (KFS) before you sign.
| Charge | What it means |
|---|---|
| Interest rate / APR | Yearly cost; APR includes fees. |
| Processing fee | One-time fee + GST. |
| Documentation | Legal and stamp charges, mainly for secured loans. |
| Foreclosure | Charge for early repayment. |
| Collateral / guarantee | Whether property or a personal guarantee is needed. |
Business Loan EMI Calculator
Check your approximate monthly EMI before you borrow. Use the rate your lender quotes.
How to apply
- UnderstandRead this page and check your needs.
- PrepareKeep documents ready.
- ChooseSelf-apply or take our paid help.
- Lender decidesApproval and terms are the lender’s call.
Two ways to proceed
Choose what suits you. Both are explained before you decide.
Self-Apply
- Apply directly on the partner’s website or app
- Lender decides approval and terms
- We may get referral commission (disclosed)
Consultation & Assistance
- ₹100 processing fee (non-refundable) incl. free credit score check & analysis
- Help choosing options and preparing documents
- Charges paid 50% at approval, 50% after disbursement
- No GST · No guarantee of approval
Questions about Business Loan?
Message us on WhatsApp – we explain in simple language. Aapki bhasha mein baat karte hain.
- WhatsApp: +91 90990 08561
- mdexim61@gmail.com
- Mon–Sat, 10:00 AM – 5:00 PM (closed on national holidays)
- We never ask for OTP, PIN or passwords
FAQs
Can I get a loan without ITR?
Some lenders may use bank or GST records, but rules vary. We cannot promise approval without ITR.
Is collateral required?
Depends on the lender, loan type and amount.
Does Udyam registration help?
It shows MSME status. Some lenders use it, but it does not guarantee a loan.
Do you charge a fee?
No fee from us if you self-apply through a partner link. Optional paid consultation: ₹100 processing fee + consultation charges (5% of disbursed amount for personal loan, 3% for business loan), no GST. Shared before you pay.
Will you ask for my OTP or password?
Never. Do not share OTP, PIN, password or CVV with anyone, even if they use our name.
Business Loan: Interest rate, amount, tenure, collateral and charges are decided by the lender and may change.
Disclaimer: We are an independent loan advisory and assistance service provider, not a bank or NBFC. Loan approval and disbursement are subject to the respective lender’s eligibility criteria, credit assessment and internal policies. We do not guarantee loan approval. *T&C Apply.
Consultation charges apply only if you choose our optional paid consultation. Fees are for consulting and assistance services, not a guarantee of approval. We may receive referral compensation from partners when you apply through our links.