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A business loan provides quick access to funds for business owners including shopkeepers, entrepreneurs, local enterprises and MSMEs, to manage operations or grow their business. Whether it’s working capital, equipment purchase, or expansion, these loans cover a wide range of financial needs. On Paisabazaar, you can compare curated offers of up to Rs. 1 crore from multiple banks and NBFCs and apply for the best business loan based on your eligibility.

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Eligibility Criteria for Business Loan

Lenders usually set their business loan eligibility criteria based on the following factors:

  • Age : 21 years at the time of loan application and 65 years at the time of loan maturity (may vary across lenders)

  • Minimum Business Vintage : 3 years (can be 5 years for some lenders)

  • Minimum Business Turnover : Rs. 90,000 to more than Rs. 250 crore

  • Credit Score : 700 or above (some lenders may offer business loans to applicants having lower credit scores)

  • Minimum Income : Rs. 1 lakh p.a.

  • Eligible Entities : Sole Proprietorship, Partnerships, Limited Liability Partnerships, Private Limited Companies, Public Limited Companies, etc.

Documents Required for Business Loan

Applicants usually require the following documents to get their business loan applications processed.

Proof of Identity :

  • Passport

  • Voter ID

  • Driving License

  • Aadhar Card or PAN Card

Proof of Residence :

  • Aadhar Card

  • Voter ID

  • Passport or Utility Bills

Proof of Age :

  • Birth Certificate

  • PAN Card

  • Aadhar Card

  • Passport etc.

Proof of Income :

  • Latest ITR along with income computation

  • B/S, P&L account statement for last 2 years certified by a CA

  • Latest GST returns

  • Bank statement for the last 6 months

Other Documents :

  • A copy of company’s PAN

  • Proof of ownership of residence or office

  • Proof of business continuity

  • Proof of business registration

  • Certificate or declaration of sole proprietorship

  • Deed copy of partnership

  • Certified copy of MOA, AOA and Board Resolution

  • Passport-sized photographs

Business Loan Fees and Charges

Borrowers of business loans have to pay processing fees, prepayment charges, commitment charges, inspection charges, account service charges, penal interest and documentation charges, etc. as and when required.

The fees and charges levied on business loans vary widely across lenders. Below-mentioned is an overall range of a few charges levied by lenders on business loans.

Particulars Charges Processing Fees Up to 6% of the loan amount Prepayment Charges Up to 5% of the outstanding principal Penal Interest 2%-6% on the outstanding loan amount

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How Can I Apply for a Loan Online?

Get up to ₹50 lakhs in 5 Simple Steps

  • Step 1 : Enter your mobile number in the application form.
  • Step 2 : Enter OTP to verify your mobile number.
  • Step 3 : Provide your personal details.
  • Step 4 : Select a bank account for account aggregator consent.
  • Step 5 : Compare offers and apply for the best-suited loan.
Calculate EMI. Compare Better. Borrow Smart.

Loan lena hai but EMI ka tension? Bas slide karein, aur turant jaanen kitna hoga monthly repayment. Smart decision lein, bina kisi guesswork ke.

  • Get instant EMI estimates with real-time calculations.
  • Understand total interest and overall loan cost before you borrow.
  • Adjust loan amount, rate, and tenure to find a budget-friendly plan.
  • Compare smartly to choose the best loan option for you.
  • Zero guesswork. Just clear financial planning that empowers you.

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MORE: Learn about the pros and cons of a shorter-term mortgage or how to get preapproved for a mortgage.

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