Business Loan
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Get a business loan of up to ₹80 lakh
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Manage Working Capital
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Get a loan to hire more staff
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Office or Infrastructure Renovation
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Bajaj Finserv Flexi vs. Term Loan: Which is Better for You?
Key features
Choose from our Flexi Hybrid, Flexi Term, and Term Loan variants.
You do not need any collateral or guarantor to get your loan.
To apply for our business loan, you need three main documents: 1. Your KYC documents as proof of identity and address 2. Your PAN card 3. Proof of business ownership Additional financial documents may be necessary based on your application details.
Your bank account will be credited with your loan amount within 48 hours of the application. *Subject to document verification & eligibilty check.
How to apply for business loan
How to apply for business loan
- Click 'CHECK LOAN OFFER' to open the online application form.
- Enter basic details — full name, PAN, Date of Birth, PIN code, and business details.
- Click 'CONTINUE' to proceed to banking verification.
- Complete KYC and submit the application.
Loan for all your needs
Business Loan for Traders
Manage your supply chain without the stress. Get quick access to working capital to fulfill bulk orders and settle supplier payments.
Business Loan for Shop Expansion
Ready to grow your footprint? Whether opening a second branch or renovating your storefront, fund your vision with ease.
Business Loan for Manufacturers
Keep your production lines moving. Get funding to invest in machinery or manage raw material costs, so you can meet demand without delays.
Features and benefits of Business Loan
Features and benefits of our Business Loan
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- 3 unique variants
Choose the loan type that suits you the best – Term Loan, Flexi Term (Dropline) Loan, Flexi Hybrid Term Loan.
- 3 unique variants
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- No part-prepayment charge on Flexi variants
You can prepay a portion of your loan at no extra charges with our Flexi Term (Dropline) Loan and Flexi Hybrid Term Loan.
- No part-prepayment charge on Flexi variants
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- Loan of up to Rs. 80 lakh
Manage your small or large business expenses with loans ranging from Rs. 2 lakh to Rs. 80 lakh.
- Loan of up to Rs. 80 lakh
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- Convenient tenures of up to 8 years
Get the added flexibility to pay back your loan with repayment options ranging from 12 months to 96 months.
- Convenient tenures of up to 8 years
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- Money in your bank account in 48 hours*
In most cases, you will receive the loan amount in your account within 48 hours of approval.
- Money in your bank account in 48 hours*
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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.
Know about our interest rate and charges
- No hidden charges
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- No collateral required
You do not have to worry about providing any collateral or security to get our business loan.
- No collateral required
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- Online application process
You can apply for our business loan from the comfort of wherever you are, at a time convenient for you.
- Online application process
*Terms and conditions apply
A loan for all your goals
Running a business comes with different needs at different times. You may need funds to manage working capital, support business expansion, buy new machinery, or invest in the digitisation of business. A business loan helps you handle all of this without stress. With access to up to Rs. 80 lakh, you can take care of your current needs and plan your next step with confidence.
Still haven’t found what you’re looking for? Click on any of the links at the top of this page.
Eligibility and documents
Anyone can apply for our business loan if they meet the few basic criteria mentioned below. Once you are eligible, you will just need a few documents to complete your application.
Eligibility criteria and documents required for Business Loan
Eligibility criteria
Nationality | Indian |
Business Vintage | At least 3 years |
Work Status | Self-employed |
CIBIL Score | 650 or higher |
Age | Age: 21 to 80 years* |
Documents required
- KYC documents - Aadhaar/ passport/ voter’s ID/ driving license
- PAN card
- Proof of business ownership
- Additional financial documents
*You should be 80 years or younger, at the end of the loan tenure.
Applicable fees and charges on our business loan
Difference between Flexi Term and Flexi Hybrid
Frequently Asked Questions
Overview
Features
Eligibility
Application process
Calculator
What is a business loan, and how much can one borrow?
A business loan is a financial offering that can help you 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 up to Rs. 80 lakh from Bajaj Finance by fulfilling the easy-to-meet eligibility criteria. Upon approval of your application, you can get the loan amount in your bank account within 48 hours*.
What can I use a business loan for?
You can use a business loan to manage your venture’s planned and unplanned expenses, from leasing a larger office premise to renovating your workspace. You have the option to purchase, lease, or repair machinery or upgrade old technology to bring in a more efficient and smoother way of working. Stocking up inventory, purchasing raw materials in bulk, or expanding your operations are some other end-uses of a business loan.
What is the rule of business loan?
The rule of business loan from Bajaj Finance is that the borrower must have a business vintage of at least 3 and a good credit score. The borrower must also submit some basic documents such as KYC, bank statements, business proof, and income tax returns.
Which loan is best to start a business?
A business loan is the best option for those who want to start or expand their business. Bajaj Finserv Business Loan is a great choice for those looking for competitive interest rates, flexible repayment options, and quick loan disbursal.
How to get an instant business loan without CIBIL Score?
To avail of a business loan you must have a CIBIL Score of 650 or above.
What are the rates/fee for instant business loan?
The instant business loan carries an interest rate ranging from 14% to 23% per annum. Additionally, upfront charges comprise of charges such as processing fee - Up to 4.72% of the loan amount (inclusive of applicable taxes etc.)
What is the minimum loan amount for business?
The loan amount for a Bajaj Finserv Business Loan ranges from Rs. 2 lakh to Rs. 80 lakh.
Can I get a Rs. 50 lakh loan for business?
Yes, it is possible to get a business loan of Rs. 50 lakh. Bajaj Finserv Business Loan offers business loans up to Rs. 80 lakh without collateral.
How much can I get with instant business loan in India?
With Bajaj Finance, you can get a business loan of up to Rs. 80 lakh.
What is the tenure for an instant business loan?
With our business loan, you can avail the flexibility to pay back your loan with repayment options ranging from 12 months to 96 months.
Who can apply for a business loan?
Whether you run a proprietary firm, partnership, or private limited company — or you are a self-employed professional or non-professional — you can apply for a Bajaj Finserv Business Loan. Simply check if you meet the eligibility criteria and keep your documents ready to get started.
Who is not eligible for a business loan?
A person who is below 21 or above 80 years of age is not eligible for a business loan from Bajaj Finance. The person must also be a self-employed individual or a business owner.
Who is eligible for a small business loan?
If your business is running steadily, you have a good credit score, and a plan to grow, you can easily apply for a business loan. Bajaj Finserv Business Loan can give you the funds you need to move your business forward and achieve your goals.
Can we get business loan on salary?
A person who is a salaried employee cannot get a business loan from Bajaj Finance, as it is meant for self-employed individuals or business owners. However, salaried employees can apply for other types of loans from Bajaj Finance, such as personal loan, home loan, or car loan.
How can I qualify my business for an instant business loan?
To check the eligibility criteria for our business loan, visit our eligibility page.
What are requirements to get a business loan?
You can apply for a business loan if you meet the following eligibility criteria:
- Age: 21 to 80 years
* (The non-financial applicant/co-applicant/guarantor should be at least 21 years of age) * Higher age limit is applicable at time of loan maturity. - Employment: Self-employed
- Business vintage: Minimum 3 years
- CIBIL score: 650 or higher
- Nationality: Indian
What is the minimum CIBIL Score required for a business loan?
Bajaj Finance considers a CIBIL Score of 650 or above as a good credit score. A strong business turnover and having all your documents in check also reflect positively on your profile.
How can small enterprises apply for business loan?
Applying for a business loan from Bajaj Finance is easy. Start by clicking on the ‘CHECK LOAN OFFER’ button on this page and open the online application form. Enter your basic details and verify your profile with the OTP that you receive on your phone.
Share the basic details of your business and gather your business documents. A representative from Bajaj Finance. will contact you with the next steps. After approval of your loan application, you can get money in your account within 48 hours*.
*Terms and conditions apply
How do I request for an instant business loan?
To request a business loan quickly, simply complete our online application form with your details, choose a loan amount, and repayment terms. Submit necessary documents like bank statements and ID proof. Once reviewed, you will the funds disbursed in just 48 hours*.
What types of calculators are available to assist with business loan decisions?
Bajaj Finance offers 4 variations of calculators to aid in business loan decisions:
What our customers say about us
Himanshu Pandey
Reviewed on 03 Feb 2025
The Flexi Business Loan worked really well for my business. I could withdraw and repay as needed, which helped me manage cash flow better. I also liked that interest was charged only on the amount I used.
Disha Walecha
Reviewed on 03 Feb 2025
I took this loan while expanding my cafe. The process was smooth, approval was quick, and there wasn’t too much paperwork. The repayment options were flexible, which made it easier to manage along with my business expenses.
Pratyush Narayan
Reviewed on 03 Feb 2025
Renovating my clothing store became easier with this loan from Bajaj. The process was simple and everything was explained clearly. The repayment plan suited my budget, so I was comfortable managing the loan.
Janhvi Pandey
Reviewed on 03 Feb 2025
I took this loan from Bajaj to upgrade my salon. The application process was easy to follow and I received the funds quickly. It helped me improve my services without putting too much pressure on my finances.
Siddhant Kamble
Reviewed on 18 Jan 2025
I needed funds to stock up inventory during the busy season. Bajaj disbursed the loan on time, which helped me avoid missing sales. Repayments were easy to manage and the overall process was smooth.
Disclaimer
Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.