Compare offers from 70+ Banks & NBFCs
Why Choose a Business Loan with Finxprt?
We go beyond just finding you a loan. We ensure you get the best possible deal.
Loans from ₹2 Lakhs to ₹5 Crores
Disbursal
Within 72 hours
Flexible repayment tenure up to 15 years
Collateral
Unsecured & Secured
What is a Business Loan?
A business loan is funding offered by banks/NBFCs to start, run, or grow a business. It can be unsecured (no collateral) or secured (backed by property or assets). Amount, interest rate, and tenure depend on your turnover, vintage, cash flows, and credit profile (CIBIL/CMR).
Types of Business Loans We Offer
Not every business loan is the same. At Finxprt Financial Services, we help you find the right type of business loan based on your needs, profession, and financial situation. Explore the options below:
Unsecured Business Loan
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Get funding without collateral for your day-to-day business needs.
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Loan up to ₹75 Lakhs
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Ideal for growing businesses with strong cash flows
Working Capital Loan
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Manage seasonal demand, pay suppliers, and cover operational costs.
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Flexible limits to support cash flow
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Short-term financing for daily operations
MSME / SME Loan
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Special loans designed for small and medium enterprises.
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Government-backed schemes available
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Low interest rates & easier approval process
Overdraft (OD) Limit Facility
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Withdraw funds as and when you need — pay interest only on what you use.
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Revolving credit line
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Helps manage unpredictable expenses
Bill Discounting / Invoice Financing
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Convert unpaid invoices into instant cash to keep your business running.
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Improve liquidity without waiting for client payments
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Ideal for businesses with long receivable cycles
Merchant Cash Advance (POS Loans)
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Secure quick funds against your POS machine sales.
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Repay through daily card swipes
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Best for retail & small business owners
Business Loan Against Property
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Leverage your commercial or residential property to get high-value loans.
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Loan up to ₹5 Crores
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Longer tenure and lower interest rates
Still not sure which business loan suits you best?
Get Free Expert Guidance
Frequently Asked Questions on Types of Business Loans
Q: What is the maximum loan amount without collateral?
Banks/NBFCs typically offer up to ₹75 Lakhs unsecured, depending on your turnover and credit profile.
Q: Is my personal credit score important for unsecured business loans?
Yes. A good credit score improves your chances of getting higher limits and lower interest rates.
Q: What is the typical tenure of a working capital loan?
Usually 12–36 months, depending on the lender and your business needs.
Q: Can a working capital loan be renewed?
Yes, most lenders allow renewal after the repayment cycle, provided your repayment record is clean.
Q: Is there a government subsidy scheme for MSME loans?
Yes. Schemes like CGTMSE offer credit guarantee coverage for MSME loans up to ₹2 Crores without collateral.
Q: Who is eligible for an SME loan?
Manufacturers, traders, service providers, and registered small businesses with stable turnover.
Q: How is interest charged on an overdraft?
Interest is charged only on the amount you withdraw, not on the total limit sanctioned.
Q: Can I increase my OD limit later?
Yes, banks allow OD limit enhancement based on your repayment history and business performance.
Q: What percentage of invoice value can be financed?
Typically 70%–90% of the invoice value is financed by banks/NBFCs.
Q: How fast can I get funds through invoice discounting?
Funds are usually disbursed within 24–72 hours once invoices are verified.
Q: What is the repayment method for a merchant cash advance?
Repayment happens automatically as a small percentage of your daily POS/card sales.
Q: Can I apply if my POS sales are irregular?
Yes, but the loan amount and approval will depend on your average monthly POS transactions.
Q: What is the maximum tenure for a loan against property?
It can go up to 15–20 years, depending on the lender.
Q: What is the LTV (Loan-to-Value) ratio for LAP?
Most lenders provide 50%–70% of the property’s market value as loan.
Who Can Apply for a Business Loan?
To qualify for a business loan, you typically need to meet the following conditions
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Age: 21–60 years
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Business vintage: Minimum 1–3 years (varies by lender)
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Turnover: As per bank/NBFC criteria
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Credit Score of 700+ preferred
Even if your credit score is lower, Finxprt helps you find banks that best match your profile.
Documents Needed for a Business Loan
Keep these documents handy for faster approvals
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KYC documents (ID & Address Proof)
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Business registration proof
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Bank statements (6–12 months)
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Income Tax Returns
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Financial statements (Balance Sheet, P&L, Computation of income)
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Property documents (if applicable)
How Finxprt Gets Your Loan Approved
Your Loan Journey Made Simple
Tell Us Your Requirement
Share your loan need (personal, home, business, or more) with just a few details.
Submit Basic Documents
Provide your financial documents securely so we can assess eligibility.
Compare the Best Bank Offers
We evaluate and shortlist multiple lenders to bring you only the most suitable options.
Get Fast Loan Approval
Transparent process with zero hidden charges – quick approvals made hassle-free.
Instant Disbursal
Once approved, the loan amount is credited directly to your bank account.
That’s it! No running around banks, no confusion.
Finxprt does all the heavy lifting while you get the loan you deserve.
Apply Now – Start Your Loan Journey
The Finxprt Advantage
Why Choose Finxprt for Your Business Loan?
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Compare offers from 70+ banks & NBFCs
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Faster approval with minimal paperwork
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End-to-end support till disbursal
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100% transparent process – no hidden charges
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RBI-compliant trusted lending partners
Finxprt is your reliable partner for stress-free loan approvals.
Business Loan EMI Calculator
Estimate your monthly EMIs instantly. Enter your loan amount, interest rate, and tenure to find the perfect repayment plan.
Frequently Asked Questions on Business Loans
Q1. What is the maximum business loan amount I can get?
You can avail up to ₹5 Crores depending on your business profile, turnover, and collateral (if any).
Q2. How soon can a business loan be disbursed?
Unsecured business loans can be disbursed within 3–7 days, while secured loans like LAP may take longer due to property verification.
Q3. Do I need collateral for a business loan?
Not always. Unsecured business loans are collateral-free. However, for higher loan amounts, lenders may require collateral such as property.
Q4. Can startups apply for a business loan?
Yes, but funding options for startups are limited. Alternative options like NBFCs, invoice financing, or merchant cash advance may be more suitable.
Q5. Will applying for multiple business loans affect my credit score?
Yes, too many applications directly with banks can hurt your score. At Finxprt, we do only a soft check, so your credit score remains unaffected.
Let’s Talk Finance!
Ready to apply for a loan or need expert guidance?
Contact Finxprt — we’re here to help you make confident financial decisions.