Apply for Business Loan Online in India – Business Loan Online
A business loan is a financial product created to help companies meet their growth and operational needs. Whether you're running a startup, a small business, or an established enterprise, a business loan helps you secure funds for expansion, inventory purchase, hiring, equipment upgrades, or managing working capital.
Business loans can be:
- Secured business loans (requiring collateral)
- Unsecured business loans (collateral-free up to ₹1 crore)
Through Rupeeco’s marketplace, businesses across India can compare lenders, check business loan eligibility, and get access to the best low-interest business loan in India.
Why Choose Rupeeco for Business Loans?
We simplify business loan financing with speed, transparency, and unmatched choice for apply business loan online in India:
- 🏦Access to 30+ Trusted Lenders
Compare business loan online offers from leading banks and NBFCs on one platform, eliminating the need to visit multiple branches for small business loan options.
- ⚡Fast Approval Within 24 Hours
Minimal documentation and digital verification ensure instant unsecured business loan approval with a fast and hassle-free process.
- 📉Competitive Interest Rates
Find the best business loan interest rates starting at just 10.5% per annum when you apply for a business loan online.
- 🏢Loans for All Business Sizes
Need ₹50,000 or ₹50 crore? We provide business loan in India solutions for all requirements, including small business loans, MSME loans, and working capital business loans.
- 🔓Collateral-Free Loan Options
Get up to ₹1 crore as a quick and easy unsecured business loan with no collateral or security required.
- 🤝Dedicated Loan Specialists
From applying for a business loan online to final disbursement, our experts assist you at every step of the process.
Types of Business Loans
Financing options tailored for every business goal & stage of growth
Term Loans
Long-term funding designed to support business expansion, asset purchase, and strategic growth plans.
Loan Amount: ₹5 lakhs to ₹50 crores
Tenure: 1 to 10 years
Interest Type: Fixed or Floating rates
Purpose: Expansion, machinery, infrastructure
Working Capital Loans
Short-term financing to manage daily business expenses and maintain smooth cash flow.
Disbursement: Within 48 hours
Repayment: Flexible repayment options
Facility: Overdraft or cash credit
Collateral: Not required up to ₹1 crore
MSME Loans
Tailored loan solutions for micro, small, and medium enterprises backed by government schemes.
Scheme: CGTMSE-backed financing
Collateral: Not required
Loan Amount: Up to ₹5 crores
Support: Mudra loan options available
Equipment Finance
Funding support to purchase essential equipment, machinery, vehicles, or technology assets.
Financing: Up to 90% of cost
Tenure: 3 to 7 years
Approval: Quick and simple process
Benefit: Tax depreciation advantages
Invoice Financing
Instant working capital by unlocking funds tied up in unpaid business invoices.
Funding: Up to 80% of invoice value
Collateral: Not required
Disbursement: Within 48 hours
Use Case: Short-term cash needs
Business Line of Credit
Flexible credit facility that allows you to withdraw funds whenever your business needs it.
Credit Limit: ₹1 lakh to ₹1 crore
Type: Revolving credit line
Interest: Charged only on usage
Access: Funds available 24/7
Merchant Cash Advance
Sales-linked funding option suitable for businesses with consistent card-based transactions.
Repayment: No fixed EMIs
Method: Repay through daily sales
Flexibility: Pay as you earn
Ideal For: Retail and service businesses
Commercial Property Loan
Financing solution to purchase, construct, or expand commercial business properties.
Funding: Up to 75% of value
Tenure: Up to 20 years
Usage: Offices, shops, warehouses
Option: Balance transfer available
Startup Business Loans
Special loan programs designed to support early-stage and newly established businesses.
Loan Amount: ₹50,000 to ₹50 lakhs
Eligibility: Flexible criteria
Schemes: Government support available
Collateral: Depends on lender policy
Business Loan Eligibility
Higher eligibility = higher chances of quick approval
Documents Required
We've simplified the documentation process to save your time. Here's what you need to apply:
Identity Proof
Any one valid identity document of the applicant is required.
PAN Card
Aadhaar Card
Passport
Voter ID Card
Address Proof
Submit any one document as proof of current address.
Aadhaar Card
Passport
Utility Bill
Rent Agreement
Business Documents
Documents required to verify business registration and ownership.
Certificate of Incorporation
GST Registration Certificate
Udyam Registration
MOA & AOA
Financial Documents
Financial records to assess income, turnover, and repayment capacity.
Bank Statements
Income Tax Returns (ITRs)
Balance Sheet
Sales Invoices
Additional Documents
Additional documents may be required based on loan type and profile.
Board Resolution
Collateral Documents (if applicable)
Business Address Proof
Authorization Letter
Business Loan Fees & Charges
100% transparent pricing - no hidden charges
| Charge Type | Range | Details |
|---|---|---|
Interest Rate | 10.5%–24% p.a. | Based on credit and business profile |
Processing Fee | 1%–3% | One-time charge |
Prepayment Charges | 2%–5% | Often NIL after 12 months |
Foreclosure Charges | 4%–6% | Varies by lender |
Late Payment Fees | 2%–3% per month | Applied on overdue EMIs |
Documentation Charges | ₹500–₹5,000 | For document verification |
Bounce Charges | ₹500–₹1,000 | Charged on failed EMI payments |
NACH Setup | ₹200–₹500 | Auto-debit mandate setup |
Business Loan Tenure Options
Choose a tenure that fits your business cash flow
Tenure by Term
Tenure by Loan Type
Documentation is minimal for unsecured business loans up to ₹50 lakhs.
How to Apply - Step by Step Guide
Apply for a business loan online in minutes
Fill the quick online form
Enter basic business and personal details to start your loan application in just a few minutes.
Compare offers from lenders
View and compare loan offers from multiple banks and NBFCs to choose the best option.
Upload documents
Upload required KYC and business documents securely through the Rupeeco platform.
Get approval and disbursement
Receive loan approval and get the funds credited directly to your bank account.
Funding possible within 24–48 hours for eligible profiles.
Business Loan EMI Calculator
Estimate your monthly payments quickly.
FAQs
Frequently Asked Questions
What is the minimum eligibility for a business loan?
You should have at least 1 year of business vintage, ₹10 lakh annual turnover, a credit score of 650 or above, and ITR filing for the last 2 years.
How much unsecured business loan can I get?
You can get an unsecured business loan of up to ₹1 crore without providing any collateral.
What is the interest rate range?
Business loan interest rates start from 10.5% per annum and vary based on your credit profile and lender.
How long does approval and disbursement take?
Loan approval usually takes 24 to 48 hours, while disbursement may take 5 to 7 working days.
Which types of businesses qualify?
Manufacturing, trading, retail, services, healthcare, education, hospitality, and many other business types are eligible.
Do startups qualify for business loans?
Yes. Startups can apply with revenue proof or through government-backed startup loan schemes.
Are there any hidden charges?
No. All fees and charges are disclosed upfront with complete transparency.
Can I prepay my business loan?
Yes. Prepayment is allowed, with minimal or zero charges depending on the lender’s policy.
Can I apply with a low credit score?
Yes. Approval chances improve with strong cash flows, collateral support, or a co-applicant.
How is EMI calculated?
EMI is calculated using the reducing balance method. You can use our business loan EMI calculator for exact figures.
What happens if I miss an EMI?
Missing an EMI may attract penalties and negatively impact your credit score. It is best to contact the lender immediately.
Are there any tax benefits on business loans?
Yes. Interest paid on business loans is tax-deductible as per applicable income tax laws.
Ready to Grow Your Business?
Join thousands of entrepreneurs who secured funding through Rupeeco. Compare lenders • Find the best offer • Apply online in minutes.
Ready to Grow Your Business?
Join thousands of entrepreneurs who secured funding through Rupeeco. Compare lenders • Find the best offer • Apply online in minutes.