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 balance transfer
How to apply for Secured Business Loan Balance Transfer
- 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 balance transfer
Features and benefits of Secured Business Loan Balance Transfer
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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 Balance Transfer
Secured Business Loan Eligibility and Documents
Eligibility criteria
Criteria | Requirement |
Nationality | Indian |
Business Vintage | At least 3 years |
CIBIL Score | 720 or higher |
Work Status | Self-employed/Salaried |
Age | 18 to 85* years* |
Age for Non-Financial Property Owners | 22 to 85* |
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 1 Year |
Minimum Salary | Rs. 24,000 per month |
*Upper limit is the age at the end of your loan tenure.
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 documents
*Any additional documents that may be required will be communicated.
Applicable fees and charges on our secured business loan
| Type of fee | Applicable charges |
| Rate of Interest | 10% - 18.25% 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 %$$BLSE-BT-AMC-Flexi Hybrid$$% (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 (Dropline)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
Overview
Features
Interest Rate
Do I need to qualify for a secured business loan balance transfer?
Yes, you must meet the lender’s eligibility criteria to transfer your secured business loan. Lenders typically assess factors such as your repayment history, outstanding loan amount, business stability, and creditworthiness. A strong financial profile increases your chances of approval. If your business has a steady cash flow and a good track record of repayments, you are more likely to qualify. The lender may also evaluate the current value and acceptability of your collateral before approving the balance transfer.
What documents do I need to provide for a secured business loan balance transfer?
For a secured business loan balance transfer with Bajaj Finance, the following documents are required:
KYC Documents: Aadhaar card, passport, voter’s ID, driving license, letter from the National Population Register (NPR), or NREGA job card.
PAN Card: Permanent Account Number card.
Proof of Business Ownership: Documents verifying the existence and ownership of your business.
Financial Documents: Relevant financial statements that demonstrate the financial health of your business.
Having these OVD documents ready can facilitate a smoother and quicker balance transfer process.
How do I compare lenders when considering a secured business loan balance transfer?
When comparing lenders for a secured business loan balance transfer, consider factors such as interest rates, processing fees, repayment terms, and customer service. Check if the lender offers flexible repayment options and additional benefits like top-up loans. Reviewing online customer feedback and checking for hidden charges can also help. A competitive interest rate is crucial for evaluating the overall cost. Checking foreclosure and processing charges, is equally important to maximise savings.
Can a secured business loan balance transfer help my business save money in the long run?
Yes, transferring your secured business loan to a lender with lower interest rates and better repayment terms can reduce your financial burden. Lower Instalments free up capital that can be reinvested into business operations. Additionally, if the new lender offers flexible repayment options, it can help improve cash flow management. Bajaj Finance offers loans, giving businesses access to extra funds at a competitive rate. Evaluating long-term benefits ensures maximum savings.
Can I transfer my secured business loan balance even if I have a poor credit score?
It may be challenging to transfer your secured business loan balance if you have a poor credit score. Lenders assess your repayment history and financial stability before approving a balance transfer. However, if your business has strong financials and valuable collateral, lenders may consider your application despite a lower credit score. In such cases, the interest rate may be slightly higher. Improving your credit score before applying increases your chances of approval.
Can a secured business loan balance transfer help me access a larger loan amount?
Yes, you can avail a loan of up to Rs. 1.05 crore with Bajaj Finance Secured Business Loan Balance Transfer, allowing you to access additional funds. If your collateral has appreciated in value or you have repaid a significant portion of your existing loan, you may qualify for a higher loan amount. This can help businesses expand operations, purchase equipment, or manage working capital efficiently. Checking the lender’s eligibility criteria ensures maximum benefits.
What types of collateral can be used for a secured business loan balance transfer?
Collateral for a secured business loan balance transfer includes immovable assets like commercial and residential properties, land, or industrial premises. Movable assets such as machinery, equipment, and inventory may also be considered. The type and value of collateral determine the loan amount and interest rate. Ensuring the collateral meets the lender’s criteria is essential for smooth approval.
What happens if my business doesn’t qualify for a secured business loan balance transfer?
If your business does not qualify for a secured business loan balance transfer, you can explore alternatives such as renegotiating loan terms with your current lender. Improving your credit score, maintaining strong financials, and reducing existing liabilities can enhance your eligibility. If a balance transfer is not feasible, consider other financing options like a business line of credit or working capital loans from Bajaj Finance to manage expenses effectively.
What is the interest rate for a secured business loan balance transfer?
The interest rate for a secured business loan balance transfer ranges from 10% - 18.25% based on factors such as the loan amount, collateral type, and the borrower’s financial profile. Bajaj Finance offers competitive rates to borrowers with a strong repayment history and CIBIL Score. Transferring to a lender offering lower interest rates can reduce overall loan costs.
Do I need to qualify for a secured business loan balance transfer?
Yes, you must meet the lender’s eligibility criteria to transfer your secured business loan. Lenders typically assess factors such as your repayment history, outstanding loan amount, business stability, and creditworthiness. A strong financial profile increases your chances of approval. If your business has a steady cash flow and a good track record of repayments, you are more likely to qualify. The lender may also evaluate the current value and acceptability of your collateral before approving the balance transfer.
What documents do I need to provide for a secured business loan balance transfer?
For a secured business loan balance transfer with Bajaj Finance, the following documents are required:
KYC Documents: Aadhaar card, passport, voter’s ID, driving license, letter from the National Population Register (NPR), or NREGA job card.
PAN Card: Permanent Account Number card.
Proof of Business Ownership: Documents verifying the existence and ownership of your business.
Financial Documents: Relevant financial statements that demonstrate the financial health of your business.
Having these OVD documents ready can facilitate a smoother and quicker balance transfer process.
How do I compare lenders when considering a secured business loan balance transfer?
When comparing lenders for a secured business loan balance transfer, consider factors such as interest rates, processing fees, repayment terms, and customer service. Check if the lender offers flexible repayment options and additional benefits like top-up loans. Reviewing online customer feedback and checking for hidden charges can also help. A competitive interest rate is crucial for evaluating the overall cost. Checking foreclosure and processing charges, is equally important to maximise savings.
Can a secured business loan balance transfer help my business save money in the long run?
Yes, transferring your secured business loan to a lender with lower interest rates and better repayment terms can reduce your financial burden. Lower Instalments free up capital that can be reinvested into business operations. Additionally, if the new lender offers flexible repayment options, it can help improve cash flow management. Bajaj Finance offers loans, giving businesses access to extra funds at a competitive rate. Evaluating long-term benefits ensures maximum savings.
Can I transfer my secured business loan balance even if I have a poor credit score?
It may be challenging to transfer your secured business loan balance if you have a poor credit score. Lenders assess your repayment history and financial stability before approving a balance transfer. However, if your business has strong financials and valuable collateral, lenders may consider your application despite a lower credit score. In such cases, the interest rate may be slightly higher. Improving your credit score before applying increases your chances of approval.
Can a secured business loan balance transfer help me access a larger loan amount?
Yes, you can avail a loan of up to Rs. 1.05 crore with Bajaj Finance Secured Business Loan Balance Transfer, allowing you to access additional funds. If your collateral has appreciated in value or you have repaid a significant portion of your existing loan, you may qualify for a higher loan amount. This can help businesses expand operations, purchase equipment, or manage working capital efficiently. Checking the lender’s eligibility criteria ensures maximum benefits.
What types of collateral can be used for a secured business loan balance transfer?
Collateral for a secured business loan balance transfer includes immovable assets like commercial and residential properties, land, or industrial premises. Movable assets such as machinery, equipment, and inventory may also be considered. The type and value of collateral determine the loan amount and interest rate. Ensuring the collateral meets the lender’s criteria is essential for smooth approval.
What happens if my business doesn’t qualify for a secured business loan balance transfer?
If your business does not qualify for a secured business loan balance transfer, you can explore alternatives such as renegotiating loan terms with your current lender. Improving your credit score, maintaining strong financials, and reducing existing liabilities can enhance your eligibility. If a balance transfer is not feasible, consider other financing options like a business line of credit or working capital loans from Bajaj Finance to manage expenses effectively.
What is the interest rate for a secured business loan balance transfer?
The interest rate for a secured business loan balance transfer ranges from 10% to 23%, based on factors such as the loan amount, collateral type, and the borrower’s financial profile. Bajaj Finance offers competitive rates to borrowers with a strong repayment history and CIBIL Score. Transferring to a lender offering lower interest rates can reduce overall loan costs.
What our customers say about us
Anil
29 Jan 2026
The Bajaj Finserv 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*.