₹ 2 lakh – ₹ 80 lakh
Check your pre-approved offer and other benefits
Enter mobile and OTP | Check offer | Know your exact loan terms
Features and benefits of business loan for shops
Shop Loan — Apni Dukaan Ko Do Nayi Tarakki Ki Udaan
-
Funds up to Rs. 80 lakh
Whether you’re looking to get new premises, renovate interiors, or have other expenses, this ample sanction fits your needs.
Flexible repayment options
Choose the Flexi loan facility and reduce your monthly outgo by up to 45%*.
Simple paperwork requirements
Submit only essential documentation and get loan approval in under 48 hours*.
Digital account management
Use our customer portal to access your loan statements, manage EMIs, and more.
Running a shop, be it a medical, retail, coffee, grocery, or mobile store, requires a constant supply of working capital. Besides maintenance, stock, and payroll expenses, you may want to improve your premises or expand to a new location. The Bajaj Finance Business Loan for shops is the ideal financial tool to meet all these expenses. With it, you get access to ample funding that can be used to grow your business and boost returns.
Eligibility criteria and documents required
-
Nationality
Indian
Business vintage
At least 3 years
Age
21 to 80 years*
(*Age should be 80 years at the time of loan maturity)
Work status
Self-employed
CIBIL score
650 or higher
You will need the following documents to apply:
- KYC documents
- Proof of business ownership
- Other financial documents
Interest rate and charges
-
Bajaj Finance Business Loan for shops comes with nominal interest rates and no hidden charges. For a complete list of the applicable fees, click here.
What is the best business loan option for shop owners in India?
Bajaj Finance Business Loan is one of the best business loan options for eligible shop owners in India, offering collateral-free funding of up to Rs. 80 lakh, loan disbursal in up to 48 hours* after approval and verification, and flexible repayment options for different business needs. Eligible applicants generally require a CIBIL Score of 650 or higher, along with meeting the prescribed eligibility criteria.
| Loan feature | Bajaj Finance Business Loan | Typical market range |
|---|---|---|
| Loan amount | Up to Rs. 80 lakh for eligible applicants | Varies by lender and borrower profile |
| Eligibility | CIBIL score of 650+ and business eligibility criteria apply | Eligibility requirements differ across lenders |
| Processing and repayment | Online application, disbursal in up to 48 hours* after approval and verification, with Term Loan, Flexi Term (Dropline) Loan, and Flexi Hybrid Term Loan options | Processing time and repayment flexibility vary by lender |
To check your pre-approved offer, complete the OTP-based verification on the Bajaj Finance website and apply online for a business loan in just a few simple steps.
Check your pre-approved business loan offer
How do coffee shop owners typically secure loans for their business?
Coffee shop owners typically secure funds through an unsecured business loan or shop loan, as it provides access to capital without requiring collateral. Lenders assess factors such as business vintage, credit score, income stability and repayment capacity before approval. With Bajaj Finance, eligible business owners can apply for a business loan of up to Rs. 80 lakh through an online process to manage expansion, equipment purchases or working capital needs.
Example
Neha, who runs a coffee shop in Pune, applied for a Bajaj Finance business loan to upgrade her café equipment and increase seating capacity. Based on her eligibility, she received funding support to meet her business growth requirements.
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
Can a business loan for shop be repaid in instalments?
Yes, a business loan for a shop is repaid through monthly instalments (EMIs) over the agreed repayment tenure. Eligible borrowers can also opt for the Bajaj Finance Flexi Loan facility, which can reduce EMIs by up to 45%* compared with a standard term loan during the initial tenure, subject to the applicable terms and conditions.
What is a shop loan and how does it work?
A shop loan is a business loan that helps eligible shop owners meet expenses such as working capital, inventory purchases, shop renovation, or business expansion. Bajaj Finance offers business loans of up to Rs. 80 lakh, subject to eligibility. Once approved, the loan amount is disbursed to the borrower and repaid in equated monthly instalments (EMIs) over the agreed tenure.
What is the maximum loan amount for a shop loan?
The maximum loan amount for a shop loan can be up to Rs. 80 lakh for eligible applicants under a Bajaj Finance Business Loan, subject to the lender's eligibility criteria and assessment. The funds can help shop owners manage working capital, purchase inventory, upgrade equipment, or expand their business operations.
What is the eligibility criteria for a shop loan?
To apply for a Bajaj Finance Business Loan for a shop, applicants must meet the prescribed eligibility criteria, including a CIBIL score of 650+, a minimum business vintage of 3 years, and an age between 21 and 80 years. Other requirements may include stable business income, repayment capacity, and submission of the required KYC and financial documents, subject to lender assessment.
More articles
Commerce: Definition, Types, Models, Functions, Scope, and Differences From Business or Trade
Read More
What is Entrepreneurship Development: Meaning, Importance, Process, How It Works, and Challenges
Read More
Business Environment
Read More
MIS Report
Read More
Disclaimer
Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.