₹ 2 lakh – ₹ 80 lakh
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Business loan eligibility criteria
-
Nationality
Indian
Business vintage
At least 3 years
CIBIL score
650 or higher
Work status
Self-employed
Age
21 years (at loan application) of Co-Applicant
80 years (at loan maturity) of Co-Applicant
If the age requirements for co-applicants are not met, additional co-applicant must be added
Documents required for a business loan
-
- KYC documents
- Proof of business ownership
- Other financial documents
The Bajaj Finance Business Loan eligibility criteria are easy to meet, as listed above. In order to make the application process for this loan as hassle-free as possible, we ask for only minimal paperwork. Aside from your basic KYC documents and proof of business ownership, you may need to submit your recent financial statements when you apply.
Once your business loan eligibility and documents have been verified, it takes only 24 hours* for you to get the loan transferred to your bank account.
*Terms and conditions apply
What documents are best to submit for a business loan
-
Complete KYC documents and clean financial statements are the most critical documents when applying for a business loan, as they help lenders verify identity, income and repayment capacity. Aadhaar, PAN card and other KYC proofs establish borrower details and compliance. Last 6 months bank statements help assess cash flow patterns and business transactions. The last 2 years' Income Tax Returns (ITR) provide evidence of income stability and financial performance. Business registration proofs and ownership documents further validate the legitimacy of the enterprise. Keeping these documents updated can improve the loan application process and reduce delays during verification.
How do I prepare the necessary documents for a business loan application?
Starting a real estate business involves initial costs across various areas, including registration, licensing, marketing, and technology.
- Business registration – Costs for registering your business with the MCA or other authorities.
- Licensing fees – Expenses for obtaining the necessary licences to operate legally.
- Office setup – Rent, office equipment, furniture, and utilities for a functional workspace.
- Marketing expenses – Costs for advertising, online marketing, and printed promotional materials.
- Website development – Investment in building a website and digital marketing tools.
- Professional fees – Consultancy fees for legal, financial, and property professionals.
- Travel costs – Expenses for site visits, client meetings, and other real estate activities.
- Software and technology – CRM software, listing portals, and other tech tools for efficient operations.
Check your pre-approved business loan offer
Best way to organise your business loan documents
The best way to organise your business loan documents is to create three labelled folders: KYC, ownership and financial records. Keep identity proofs such as PAN and Aadhaar in the KYC folder, while storing business registration certificates and ownership proofs separately. Maintain financial documents like bank statements, ITRs and income records in the financial folder for easy access. Name scanned files clearly with document type and date, and keep updated digital copies in a secure location. A well-organised document system helps you complete verification faster and avoid delays during the loan application process.
Can I get a business loan without submitting documents?
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Starting a real estate business can be a profitable venture, especially with India's growing demand for housing and commercial properties. A well-prepared approach, supported by effective networking, online presence, and regulatory compliance, lays the foundation for success. Entrepreneurs may consider a business loan to cover initial costs, secure office space, or fund marketing activities. However, before applying, one must always compare the applicable business loan interest rate for better financial planning. With dedication, real estate offers substantial financial rewards and growth potential.
Our loan variants
Get business loan for your needs
Women Business Loan
Get Women Business Loan upto 80 Lakh
Medical Store Business Loan
Get Medical Store Business Loan upto 80 Lakh
Manufacturer Business Loan
Get Manufacturer Business Loan upto 80 Lakh
Loans for business needs
Select loan by amount
Business loan for different budgets
2 lakh business loan
3 lakh business loan
5 lakh business loan
10 lakh business loan
15 lakh business loan
20 lakh business loan
25 lakh business loan
30 lakh business loan
50 lakh business loan
Types of business loan
Unsecured Business Loan
Secured Business Loan
Term Loan
Cash Credit
Working Capital Loan
Machinery Loan
Line of Credit
Micro Loan
Merchant cash Loan
Frequently Asked Questions
Overview
What are the business loan documents an applicant must submit?
To get a Bajaj Finance Business Loan, you need:
KYC documents such as PAN card, Aadhaar card, a driving license, a voter's ID card, or a passport
Proof of business ownership
Other financial documents
What CIBIL score is required to be eligible for a Bajaj Finance Business Loan?
To meet the Bajaj Finance Business Loan eligibility criteria, you will need to have a CIBIL score of 650 or higher. Check credit score for free before you apply at Bajaj Finance
What is the business loan amount am I eligible for?
The Bajaj Finance Business Loan goes up to Rs. 80 lakh* (*Inclusive of Insurance Premium, VAS Charges, Documentation Charges, Flexi fees and Processing Fees). However, the amount of your sanction depends on the business loan documents you submit and your business loan eligibility check.
What is the age limit to get a business loan?
To apply for a Bajaj Finance Business Loan, you must be between 21 and 80 years years* of age. *Age should be 80 years years at the time of loan maturity. However, your CIBIL score and business financials are equally important when it comes to gauging your business loan eligibility.
*Terms and conditions apply
How can I check my Bajaj Finance Business Loan status online?
Easily check your business loan application status by logging on to the Bajaj Finance website and following these steps:
- Visit our website, click on ‘My Account’ and then select ‘Customer Portal’
- Log in to the customer portal – My Account – with your Bajaj Finance registered mobile number and an OTP
- After logging in, choose ‘Track Application’
- Complete your identity verification with your registered mobile number and an OTP, to see your application status
*Terms and conditions apply
What are the best types of business loans for real estate investments?
The best types of business loans for real estate investments include commercial property loans, secured business loans and unsecured business loans, depending on the purpose, funding requirement and repayment capacity. Businesses can use these loans for property purchase, construction, renovation or related expenses. Bajaj Finance business loans of up to Rs. 80 lakh can support eligible business funding needs, subject to applicable criteria.
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Disclaimer
Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.