Gain access to substantial funds for your business needs with Bajaj Finance Secured Business Loans of up to Rs. 1.05 crore. Opt for Flexi Term (Dropline) Loan, Flexi Hybrid Term Loan, or Term Loan variants, offering repayment periods of up to Rs. 1.05 crore.
Calculate your loan offer
How to apply for a secured business loan
How to apply for Secured Business Loan
- Click on “CHECK LOAN OFFER” button on this page.
- Enter your 10 digit mobile number and OTP.
- Fill in the application form with your Personal Details, Business/Employment/Professional details, Property details and proceed.
- Enter your loan amount that you need.
- Choose the repayment tenure - You can select tenure option of 12 month to 180 month and click on proceed.
Features and benefits of our secured business loan
Features and benefits of our secured business loan
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- 3 unique variants
We have 3 new unique variants – Term loan, Flexi Term Loan, Flexi Hybrid Loan. Choose the one that works for you best.
- 3 unique variants
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- No part-prepayment fee on Flexi variants
With Flexi variants, you can borrow as many times as you want to and part-prepay whenever you can. No extra charges.
- No part-prepayment fee on Flexi variants
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- Loan of up to Rs. 1.05 crore
Get loans from Rs. 1 lakh to Rs. 1.05 crore through an end-to-end online application process to manage your small/large expenses.
- Loan of up to Rs. 1.05 crore
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- Convenient tenures of up to 15 YEARS
We offer extended repayment tenures of up to 180 MONTHS so that you can pay your loans comfortably.
- Convenient tenures of up to 15 YEARS
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- Minimal documentation
You need to submit just a few basic documents to apply for our secured business loan.
- Minimal documentation
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- Immediate processing
In most cases, you will receive funds in your account within 48 hours* of approval and document verification.
- Immediate processing
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- No hidden charges
All fees and charges are mentioned upfront on this page and in the loan document. We advise you to read these in detail.
- No hidden charges
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- End-to-end online application process
You can apply for our secured business loan from the comfort of wherever you are, at a time convenient for you.
- End-to-end online application process
*Terms and conditions apply
A loan for all your goals
A secured business loan can fulfil diverse needs, including enhancing working capital, supporting business expansion, purchasing machinery, or facilitating digitalisation of business. Whether it is covering daily operational expenses, financing expansion endeavours, acquiring top-tier machinery, or embracing digital transformation, a secured business loan of up to Rs. 1.05 crore offers the financial agility required to advance your business and capitalise on growth prospects.
Still haven’t found what you’re looking for? Click on any of the links at the top of this page.
Eligibility and documents required for Secured Business Loan
Secured Business Loan Eligibility and Documents
Eligibility criteria
Criteria | Requirement |
Nationality | Indian |
Business Vintage | At least 3 years |
CIBIL Score | 650 or higher |
Work Status | Self-employed / Salaried |
Age | 21 years to 85 years* |
Age for Non-Financial Property Owners | 21 years years to 85 years* |
A higher age of co-applicant may be considered up to 95 years basis 2nd generation (legal heir) meeting age norms and to be taken as co-applicant on loan structure
Criteria | Requirement |
Work Experience (Salaried Employees) | At least 2 years |
Minimum Salary | Rs. 24,000 per month |
Documents required
KYC documents:
Passport
Driving License
Voter’s Identity Card
Aadhaar Card
Job Card issued by NREGA duly signed by an officer of the State Government
Letter issued by the National Population Register
If your current address is not the same as the OVD document provided, please share any of the listed DOVD documents. Click here to view the documents.
PAN card
Employer identity card or documents of business ownership such as partnership agreement, and registration certificate
Bank account statements for the last 6 months, income tax returns, or financial documents such as balance sheet or profit and loss statement
Documents of the property to be mortgaged, such as title documentsDocuments of the property to be mortgaged, such as title documents
Applicable fees and charges on our secured business loan
| Type of fee | Applicable charges |
| Rate of Interest | 9.75% - 25% per annum |
| Processing Fees | Up to 3.54% of the loan amount (Inclusive of applicable taxes) |
| Documentation Charges | Up to Rs. 2,360/- (Inclusive of applicable taxes) |
| Facility Charge | Term Loan – Not applicable Flexi Loan – Up to Rs 999/- to Rs 29,999/- (Inclusive of applicable taxes)will be deducted upfront from loan amount. |
| Stamp Duty | Payable as per state laws |
| Mortgage Origination Fees | Up to Rs. 6,000/- per property (Inclusive of applicable taxes). *In case of re-valuation of the property then MOF will be levied again and shall be deducted from loan disbursement amount |
| Annual Maintenance Charges | • Term Loan: Not Applicable • Flexi Term Loan: Not applicable • Flexi Hybrid Term Loan: Up to %$$BLAP-AMC-Flexi Hybrid$$% (Inclusive of applicable taxes) of the Dropline Limit during Initial Loan tenure. Not applicable for subsequent loan tenure”. |
| Pre-payment charges | Full Pre-payment • Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment • Flexi Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount,As On The Date Of Full Prepayment. • Flexi Hybrid Term Loan/ Pure Flexi Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, As On The Date Of Full Prepayment Part Pre-payment • Term Loan:Up to 4.72% (Inclusive of applicable taxes) of principal loan amount prepaid on the date of such part pre-payment • Not Applicable for Flexi Term (Dropline)Loan, Flexi Hybrid Term Loan and Pure Flexi Loan Note: - If All Borrowers And Co-Borrowers Are Individual, Or Micro And Small Enterprises (Mses) And Loan Availed On Floating Interest Rates, Then There Will Be No Foreclosure / Part Payment Charges. |
| Bounce Charges | Rs. 1,500 per bounce. “Bounce charges” shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor of payment mandate or non-registration of the payment mandate or any other reason. |
| Penal Charge | Penal charge is applicable in the following scenarios: Delay in payment of instalment(s) shall attract Penal Charge at the rate of 36% per annum per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount. |
| Repossession charges | Recovery of charges |
Frequently Asked Questions
Features
Application Process
Calculator
What is the maximum amount of loan that I can get?
Once you meet the eligibility criteria and submit the required documents, you can get a secured business loan of up to Rs. 1.05 crore (inclusive of PF, Stamp duty, insurance premium, VAS charges, documentation charges).
Can I apply for a secured business loan if I already have an existing loan?
You can apply for a secured business loan even if you have an existing loan. Please note that having multiple loans simultaneously may impact your credit score.
What is the Flexi Term Loan facility?
Bajaj Finance offers secured business loan with the Flexi variants that allow you to withdraw money as per your requirement from a sanctioned loan amount. You will have to pay interest only on the withdrawn amount and not on the entire loan limit. With the Flexi Hybrid Loan, you can also part-prepay when you have extra funds without any additional charge.
Where can I find the loan account statement for my secured business loan?
We offer easy online access to loan statements through our customer portal, My Account. With the help of this portal, you can view and manage your loan account from anywhere in the world. You can also download the e-statements and certificates free of cost.
What are the types of calculators available to assist with secured business loan decisions?
Bajaj Finance offers 2 variations of calculators to aid in secured business loan decisions:
Secured Business Loan Eligibility Calculator
What our customers say about us
Anil
29 Jan 2026
The Bajaj Finance makes getting a Secured Business Loan simple and efficient. It offers high capital amounts at lower interest rates because of the collateral. The "Flexi" feature is great for managing business cash flow, though the processing fees can be high. It is a reliable choice for long-term business expansion.
Ankush
24 Dec 2025
Bajaj Finance is the go-to for high-value funding. Their Secured Business Loan offers massive capital at much lower interest rates than unsecured loans. It’s perfect for major expenses like buying machinery or expanding your office space.
Vijay
17 Dec 2025
After 5 years of running my workshop, I needed ₹50 Lakhs for new CNC machines. Local banks were taking forever with paperwork. I tried Bajaj Finance’s Secured Business Loan, and the experience was much faster. Since I provided my commercial shop as collateral, the interest rate was nearly 4% lower than the unsecured loans I was offered elsewhere. If you have the assets, this is the most logical way to fund big growth.
Rehan
05 Jan 2026
As a wholesaler, my capital needs fluctuate every month. I opted for the Bajaj Finance Secured Business Loan specifically for their 'Flexi Hybrid' feature. It’s like a credit line against my property. In the months when business is slow, I only pay interest on what I've actually used. It’s a huge relief not to have a fixed, heavy EMI hanging over my head every month.
Akash
18 Jan 2026
Most people think secured loans take months, but my experience with Bajaj Finance was different. Once the property valuation was done, the disbursement happened within 3 days. The transparency regarding processing fees and documentation was clear from the start. They didn't hide anything in the fine print, which is rare when you're dealing with such large amounts.
Disclaimer
Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.