Business Loan

Scale your business with quick unsecured funding. No collateral. Fast disbursal.

11%
Starting Rate p.a.
₹2Cr
Max Loan Amount
48 hrs
Disbursal Time
7 Yrs
Max Tenure

What is a Business Loan?

A business loan is designed to help entrepreneurs and business owners fund their growth plans, manage working capital gaps, purchase equipment, or expand operations. FinWise offers both secured and unsecured business loans with flexible repayment structures tailored to business cash flows.

Features & Benefits

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Collateral-Free Option

Unsecured loans up to ₹50L without pledging assets

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GST-Based Eligibility

GST returns considered for income assessment

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Overdraft Facility

Pay interest only on amount utilized

Fast Processing

In-principle approval in 4 hours

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Flexible Repayment

Monthly, quarterly, or custom EMI schedules

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Top-up Facility

Get additional funds after 12 months of good repayment

Eligibility Criteria

✅ Age: 21 – 65 years

✅ Business Vintage: Min. 2 years

✅ Min. Annual Turnover: ₹20 Lakhs

✅ Min. CIBIL Score: 680+

✅ Business Type: Proprietor, Partnership, Pvt Ltd

✅ ITR Filed: Last 2 years

Required Documents

🪪 KYC Documents (Promoter)
📋 Business Registration Certificate
📊 ITR (Last 2 Years)
📈 GST Returns (12 months)
🏦 Bank Statements (12 months)
📑 Audited Financials (if >₹50L)

Interest Rate Structure

Business TypeTurnoverRate
Pvt Ltd / LLP> ₹1 Cr11% – 14%
Partnership Firm₹50L – ₹1 Cr13% – 16%
Proprietorship₹20L – ₹50L15% – 20%

EMI Calculator

₹1L₹2Cr
11%20%
12 mo84 mo
Monthly EMI
Total Interest
Total Amount

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