Frequently asked questions

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*.

*Terms and conditions apply

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 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 reflect positively on your profile.

How can small enterprises apply for business loan?

Applying for a business loan from Bajaj Finance Ltd. is easy. Start by clicking on the ‘Apply’ 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 Ltd. 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

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.

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Explore our loans categories to make your financial dreams a reality. We offer a wide array of loan options designed to meet the unique needs of individuals, professionals, and MSMEs. Whether you are planning to buy property, renovate your home, cover wedding expenses, or expand your business, we have the perfect loan for you. Our flexible loan structures, including Flexi Loans and Term Loans, ensure that you get the funding you require with ease.

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Loans for MSMEs: Powering your business ambitions

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End-use flexibility: Unlocking possibilities

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Flexi Term Loan: Pay only for the amount utilised

Our Flexi Term Loans are designed to offer you maximum control over your finances. With this unique feature, you can access a predetermined credit limit, and interest is charged only on the amount you utilise. You have the flexibility to withdraw and repay funds as needed within the approved limit. This option is perfect for individuals and businesses that experience fluctuating financial needs, providing cost-effective and convenient financing.

Flexi Hybrid Loan: The best of both worlds

Flexi Hybrid Loan offers a unique blend of flexibility and stability, catering to diverse financial needs. Initially, you pay interest-only EMIs, then transition to EMIs comprising both interest and principal. This hybrid structure offers convenience and flexibility, allowing you to manage your finances effectively throughout the loan term. It also provides the convenience of withdrawing funds as needed. Ideal for individuals and businesses with fluctuating financial requirements.

Term Loans: Structured for your success

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The loan application process: Quick, easy, and secure

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Expert guidance: Navigating your loan options

We understand that choosing the right loan can be overwhelming, especially with so many options available. That's why our team of financial experts is here to assist you every step of the way. We will assess your needs, explain the various loan options, and guide you towards the best fit for your financial goals. Our commitment to customer satisfaction is unwavering, and we aim to provide you with a loan solution that sets you up for success.


When it comes to loans, we believe in providing you with more than just financial support. We offer personalised solutions that empower you to achieve your dreams and ambitions. Whether you are an individual with personal aspirations, a professional looking to invest in your future, or an MSME seeking business expansion, our comprehensive loan offerings have you covered. Explore our flexible loan options, including Flexi Term Loans, Hybrid Loans, and Term Loans, and take the first step towards a brighter financial future. Apply now and unlock a world of possibilities.

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Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application.