Business Loan

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Features and Benefits

With small business loans up to Rs. 30 lakh, funding for your small business is now just 24 hours away. Use the funds to invest in infrastructure, expand operations, upgrade to the latest plant and machinery, maintain inventory, or to increase working capital. These customized loans can give your business the much-needed boost to help your enterprise scale new heights with enhanced competitiveness and profitability.

Top Features of Bajaj Finserv Business Loans:

  • Large capital made affordable

    Bajaj Finserv offers easy and quick business finance up to Rs. 30 lakh to small businesses at low interest rates. Whether your business has needs for short-term loans, intermediate-term loans or long-term loans, these loans are the perfect financing solution for your small-scale business.

  • Flexi Loan Facility

    Withdraw only what you need and repay funds as per your business cash flow at nil prepayment charges. Pay only interest as EMIs, and repay the principal at the end of the tenor. Interest is charged only on the amount withdrawn, helping you to lower your EMIs by up to 45% and helping your cash flow.

  • Hassle-free unsecured loans

    These unsecured business loans are approved in under 24 hours, come with easy eligibility criteria and can be applied for with just 2 documents. These exclusive features make Bajaj Finserv the best, fastest and most hassle-free business loan provider to meet urgent financial needs of your growing business.

  • Loans up to Rs. 30 Lakh

    Whether your business has needs for short-term loans, intermediate-term loans or long-term loans, Bajaj Finserv offers business loans up to Rs. 30 lakhs. You can use the loan amount to invest in infrastructure, expand operations, buy equipment or inventory, or even to increase working capital.

  • No collateral

    Bajaj Finserv business loans are collateral-free, which means you won’t have to put your personal or business assets on the line to get financing. And since you don’t need to pledge collateral, there is no requirement for appraisal of the value of your assets. As a result, with collateral-free loans, funding is much faster and requires only minimal documentation.

  • Pre-approved offers

    Pre-approved Offers

    Apply online and get pre-approved offers for an instant loan without security from Bajaj Finserv. Enjoy a high top-up loan or an interest rate reduction on your business loan.

  • Online Account Access

    You have the convenience of accessing your business loan statement anytime from anywhere.

  • Why should you choose Bajaj Finserv business loan?

    One of the most trusted NBFCs in India, Bajaj Finserv offers customised Business Loans that are affordable and hassle-free. Get the loan with affordable interest rates, zero hidden charges, minimal documentation, quick approval and more.

    You can use a Business Loan to:

    •  

      Increase your business cash flow

    •  

      Lease bigger office premises

    •  

      Renovate your office

    •  

      Purchase, lease or repair machinery and equipment

    •  

      Upgrade to the latest technology

    •  

      Stock up on inventory

    •  

      Hire seasonal employees

    •  

      Purchase raw material for bulk orders

    •  

      Expand to another area or city

    •  

      Scale up operations and take on bigger projects and much more

  • Loans for your special needs:

    Bajaj Finserv has customized business loans for your unique needs.
    • Working Capital Loans: Maintain a healthy cash flow with a Working Capital Loan without any security and keep your business away from any financial roadblocks.

    • Machinery Loans: Install or upgrade to the latest plant and machinery or equipment with a Machinery Loan and meet bulk orders smoothly.

    • SME and MSME Loans: Small and medium enterprises can now grow their operations and scale in an easy way with SME and MSME Loans.

    • Business Loans for Women: Especially designed for women entrepreneurs, Business Loans for Women offer finance up to Rs.30 lakh to support their growing business needs.

    You can read this page on Business Loans in Hindi, Marathi and Tamil.

Business Loan FAQs

What is a business loan and how does it work?

A business loan is an unsecured form of credit designed to cover various expenditures in a business. Borrowers need not mortgage any asset to avail funds.

Bajaj Finserv offers Loan up to Rs. 30 lakh, against simple business loan eligibility criteria and basic documentation. Once approved, you get the amount disbursed within a working day.

Who can get a business loan?

Entities, self-employed non-professionals, and self-employed professionals can apply for a Business Loan, after fulfilling the required eligibility criteria.

What is a good credit score to get a business loan?

A CIBIL score of 750 is considered healthy to avail a business loan. The closer your score is to 900, higher are your chances of getting the loan on good terms.

How to qualify for a business loan?

An applicant can qualify for a Business Loan by meeting the following criteria:
  • Minimum 3 years of business vintage
  • Applicant’s age to be within 25 to 55 years
  • IT returns filed for at least the previous year
  • A healthy CIBIL score and strong credit profile

How to apply for a business loan?

The process to apply for a business loan is simple.

Video

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When is the Best Time to Get a Business Loan

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The Advantages of Debt Financing for Your Business

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Great Sources of Financing for Business Women

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Inventory Management Techniques to Save Money

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MSME Loan: The efficient financing solution for MSMEs

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