Features and benefits of a start-up business loan

  • Easy documentation

    Easy documentation

    You only need to submit a few basic documents to our representative, who will reach your doorstep.

  • Quick loan approval

    Quick loan approval

    Get quick approval within 24 hours* after meeting the eligibility criteria. Use the loan amount to meet immediate financing needs.

  • Collateral-free financing

    Collateral-free financing

    Avail of a high-value loan amount without pledging any assets with us.

  • Easy repayments

    Easy repayments

    We provide convenient and affordable repayments with a tenure ranging up to 96 months.

  • Lower your EMIs.

    Lower your EMIs.

    Choose our Flexi facility and lower your EMIs by up to 45%*.

  • Attractive rates

    Attractive rates

    Get attractive rates of interest on business loans and enjoy affordable repayments.

  • Online account access

    Online account access

    You can manage your loan account with our dedicated online customer portal – My Account.

*Terms and conditions apply.

Eligibility criteria and documents required

To help fund the financial requirements of start-up businesses, Bajaj Finance offers credits against simple eligibility criteria. Find them below:

  • Business vintage

    Business vintage

    At least 3 years

  • CIBIL Score

    CIBIL Score

    685 or above

  • Age


    21 to 80*
    (*age should be 80 at loan maturity).

  • Nationality


    Indian resident

The following documents are required to get instant small business loans.

  • KYC documents
  • Proof of business ownership
  • Other financial documents

Interest rates and charges

Start-up business loan comes with nominal interest rates and no hidden charges. To view the list of the fees applicable on this loan, click here.

Frequently asked questions

What are the other fees and charges associated with a business loan?

Apart from the interest rate, the other applicable charges and fees for a start-up loan are:

  • Broken period interest
  • Processing fee
Is CIBIL Score important to get a business loan?

Yes, CIBIL Score is an important eligibility criterion for business loan. For Bajaj Finserv Business Loan you must have a CIBIL Score of 685 or higher.

How would I know if I am eligible to avail of a business loan or not?

You can simply look at the eligibility criteria and then determine your eligibility. Otherwise, opt for an easier method and use an online eligibility calculator to get quick and accurate results.

How hard is it to get a start-up loan in India?

The difficulty or ease to avail of a start-up loan depends on the business itself. There are several factors that lenders consider before approving a loan application. Borrowers must maintain a good credit score and meet/ exceed the eligibility to avail of a high-value loan amount with ease.

Is it mandatory to have a business plan before availing of a start-up business loan?

Yes, it is mandatory to have a business plan before you avail of a loan. A start-up business loan comes with simple eligibility criteria and minimal documents. With Bajaj Finance, you can get collateral-free funds up to Rs. 80 lakh* (*inclusive of Insurance premium, VAS charges, documentation charges, Flexi fees, and processing fees) once you meet the following eligibility parameters:

  • You must be between 21 to 80* (*age should be 80 at the time of loan maturity).
  • You must have a minimum business vintage of 3 years.
  • You must have a CIBIL Score of 685 or higher.

*Term and conditions apply.

How old does my venture need to be if I wish to apply for a start-up business loan?

If you are applying for a start-up business loan, your business must have a minimum vintage of 3 years. You also need to meet a few other eligibility parameters and submit the required documents to get a loan of up to Rs. 80 lakh* from Bajaj Finance.

*Inclusive of Insurance premium, VAS charges, documentation charges, Flexi fees, and processing fees).

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