Deepak Kumar (Senior Advisor) 9410928747 Mon - Sun: 9:00 AM - 8:00 PM
trust | Cooperation Prosperity
Direct Senior Advisor
Deepak Kumar
Call 9410928747

9410928747

deepakkumar@shriramindiafinance.com

Loan Assistance

Business Loan

Financing solutions for business growth, expansion, machinery purchase, and working capital requirements.

View Eligibility Criteria
Key Highlights
Starting Interest Rate 13.50% p.a. Rates depend on business vintage, annual turnover, GST returns, and financial health.
Loan Tenure 12 to 60 Months
Loan Amount Range ₹1 Lakh to ₹1 Crore+

About This Loan

Fueling your enterprise requires steady liquidity and structured capital. A Business Loan provides essential financial backing for micro, small, and medium enterprises (MSMEs), startups, traders, manufacturers, and service providers.

Shri Ram India Finance assists business owners in identifying working capital loans, term loans, and machinery financing tailored to cash flows without unnecessary delays.

Key Features

Unsecured and secured business financing solutions
Flexible repayment structures synced with seasonal cash flows
Assistance for MSME/Udyam registered enterprises
Higher loan sanctions based on business turnover and GST filings
Minimal operational disruption through streamlined verification

Eligibility Criteria

Final eligibility parameters are evaluated by individual lenders based on credit bureau reports and repayment capacity.

  • Business Vintage: Minimum 2 to 3 years of audited or verifiable operations
  • Annual Turnover: Minimum ₹15 Lakhs annual sales
  • Applicant Age: 24 to 65 years
  • Profitability: Positive cash flow and profit before tax in past years
  • Good CIBIL track record of promoters and company

Documents Required

Keep these documents ready to ensure quick verification and smooth coordination with lending partners.
PAN Card of entity and promoters/directors
Business Registration Certificate (GST, Udyam, Shop Act, Incorporation)
Last 2 years audited Balance Sheet & Profit & Loss accounts with Tax Audit reports
Last 12 months current bank account statements
Last 12 months GST returns (GSTR-3B / GSTR-1)

Benefits of Applying With Us

Scale operations, hire talent, or acquire inventory when demand peaks
Preserve equity and control without diluting business ownership
Tax benefits on interest paid under business expenses
Expert advisory to structure loan proposals effectively

Who Can Apply?

Proprietors, Partnerships, Private Limited companies, LLPs, retailers, manufacturers, and professional service consultants with an active business footprint.

Business Loan FAQs

Most conventional lenders require at least 2 years of operation. However, certain specialized schemes or CGTMSE-backed facilities may cater to younger firms based on strong promoter profiles.

Both collateral-free (unsecured) and collateral-backed (secured) options exist. Unsecured loans typically range up to ₹50 Lakhs depending on lender policies.
Dedicated Support

Apply for Business Loan

Share your details for personalized partner assistance.

+91
₹
Deepak Kumar

Speak directly with our senior loan advisor.

Call 9410928747

Other Loan Categories You May Consider

Two Wheeler Loan

Affordable and quick financing for purchasing daily commute bikes, scooters, and electric two-wheelers.

Starting Rate 11.00% p.a.
Max Tenure 12 to 48 Months
Details

Loan Against Property

Unlock the value of your existing residential or commercial property for high-value funding requirements.

Starting Rate 9.25% p.a.
Max Tenure 3 to 20 Years
Details
Featured

Personal Loan

Loans for personal needs

Starting Rate 10.25% p.a.
Max Tenure 12 to 72 Months
Details

Looking for Business Loan?

Share your requirement with us and our team will contact you to explain eligibility and partner options.