Features of business loan

  • Lower your EMIs by almost half *

    Lower your EMIs by almost half *

    Choose the Flexi facility and reduce the burden of monthly instalments.

  • High loan value

    High loan value

    Get funds up to Rs. 45 lakh* without any restriction on end-use.

  • Loan approval in %$$BOL-Disbursal$$%*

    Loan approval in 24 hours*

    Fill up the simple online form and get your application approved quickly.

  • Long repayment tenor

    Long repayment tenor

    Repay your loan in affordable EMIs split over a tenor going up to 84 months.

  • Pre-approved offers

    Pre-approved offers

    Check your pre-approved offer and get the funds you need minus the wait.

  • Zero collateral, minimal documentation

    Zero collateral, minimal documentation

    Apply for an unsecured business loan with just a few documents.

To cater to the financial needs of small and medium businesses, Bajaj Finserv offers a business loan of up to Rs. 45 lakh. This financing can be used to expand operations, upgrade machinery, increase working capital or any unplanned expense.

With easy-to-meet eligibility criteria, getting an unsecured business loan from Bajaj Finserv is quick and easy. You are only required to submit your basic documents, and you can get approval for the funds you need in just 24 hours*.

You can access your business loan information, including your loan statement and repayment schedule and more online, with our customer portal – My Account.

Meet the needs of your growing business with an easy business loan from Bajaj Finserv.

Types of business loans

Bajaj Finserv offers various types of small business loans to cater to Indian enterprises and business owners' unique needs.

Bajaj Finserv also offers specific business loans such as:

  • Working capital loans to help you manage the short-term cash flow needs of your business
  • Machinery loans that provide funds for fixed asset needs
  • SME and MSME loans to small and medium business enterprises owners looking to expand operations
  • Small business loans for women entrepreneurs to provide funds to aspiring female business owners to help them expand their business
  • Start-up business loans are online business loans that provide funds to the start-up industry to help them expand their business and increase market reach

How to calculate business loan EMI?

Manual calculation of EMI is a time-consuming task and might result in errors. With Bajaj Finserv Business Loan EMI Calculator, you can calculate the monthly outgo of your small business loan in an instant. You only need to enter the loan amount, tenor, and interest rate to get error-free results in minutes.

*Terms and conditions apply

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Eligibility criteria for a business loan

  • Nationality



  • Business vintage

    Business vintage

    At least 3 years

  • CIBIL score

    CIBIL score

    685 or higher

  • Work status

    Work status


  • Age


    24 to 70 years*
    *Age should be 70 years at the time of loan maturity

Documents required for a business loan

KYC documents – Aadhar card, PAN card, voter ID card, driving licence or any other government-approved KYC document

Address proof – Documents such as your electricity bill, rent agreement, or passport may be used as proof of address

Financial documents - Copy of your GST returns, bank account statement and other financial documents

Proof of business ownership – The registration documents for your business

You can apply for a Bajaj Finserv Business Loan by submitting only your basic documents, including your KYC, address proof, and financial documents. If you are a sole proprietor, you will also need to submit your registration documents, while partnership firms may be asked to submit the partnership agreement of their firm.

Private limited companies looking to avail of a business loan can complete their application by submitting their certificate of commencement or article and memorandum of association.

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How to apply for a business loan

Here is our guide on applying for a business loan. 

You may start filling your application form online and resume it at a later instance.

  1. 1 Click on 'APPLY ONLINE' to open the application form
  2. 2 Enter your name and phone number to get the OTP
  3. 3 Share your basic personal and business details
  4. 4 Upload your bank statements for the last 6 months

Once you submit the online form, our representative will reach out to help you with further steps.

Frequently asked questions

What is a business loan, and how much can one borrow?

A business loan is a financial offering that can be borrowed to meet your planned and unplanned business expenses. It is a kind of unsecured financing, and you can avail of one without providing any collateral.

You can get a business loan of up to Rs. 45 lakh from Bajaj Finserv by fulfilling the easy-to-meet eligibility criteria. A list of documents as your business proof will be then required to submit. Your application is approved; you can get the loan amount in your bank account within 24 hours.*

*Terms and conditions apply

Who can apply for a business loan?

Business entities such as partnership firms, private limited companies, self-employed professionals, and self-employed non-professionals can apply for a Bajaj Finserv Business Loan. All applicants are required to fulfilling the eligibility criteria and submit their relevant documents to be considered for approval.

What is the minimum CIBIL score required for a business loan?

Bajaj Finserv considers a CIBIL score of 685 or above as a good credit score. A strong business turnover and having all your documents in check also reflects positively on your profile.

How can I apply for a business loan?

Applying for a business loan from Bajaj Finserv is easy. Start by clicking on the Apply Online button on this page and open the online application form. Enter your basic details and verify your profile with the OTP sent to your phone.

Share the basic details of your business and gather your business documents. A representative from Bajaj Finserv will contact you with the next steps. Once your loan application is approved, you can get money in your account within 24 hours.*

*Terms and conditions apply

What is the minimum business turnover required to be eligible for a business loan?

To avail of a business loan from Bajaj Finserv, you must own a business that has been operational for a minimum of 3 years. You are also required to have filed your income tax for at least one year.

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