Business Loan
Grow your business with fast business loans, flexible repayment options and competitive interest rates. Fuel your expansion, manage working capital, and scale operations seamlessly.
Eligibility & Documents
Ensure your business meets these basic criteria and keep the required documents ready for fast processing.
Eligibility Criteria
- Resident Indian: Proprietors, partners, or corporate promoters must be resident citizens.
- Age Bracket: Applicant must be aged 21–65 years old at the time of loan maturity.
- Business Vintage: Minimum of 1 year of continuous and active business operations.
- Stable Income: Consistent financial turnover with regular revenue deposits.
- Credit Score: Preferred commercial CIBIL score of 700+ (or CMR ranking up to 4).
Required Documents
- Identity Proof: Aadhaar Card, PAN Card, and passport-size photographs.
- Business Registration: Shop license, GST registration, partnership deed, or incorporation docs.
- Taxation Records: Latest GST filing sheets and tax payment challans.
- Bank Statements: Active current bank account statements for the last 6 months.
- Financial Statements: Last 2 years' IT Returns, Audited Balance Sheet, and P&L statements.
Key Highlights
Everything you need to know about our business loan product in one quick summary.
Loan Amount
₹1 Lakh – ₹5 CroreInterest Rate
Starting 11.00% p.a.Tenure Options
12 – 84 MonthsCollateral Options
Secured & UnsecuredProcessing Fee
1% to 2% + GSTApproval TAT
Quick 3-5 DaysForeclosure
Part-Payment AllowedDocumentation
Basic KYC & FinancialsQuick Eligibility Check
Why Businesses Trust Laksh India
We maintain 100% compliance and transparent assistance for all clients since 2017.
Multiple Bank & NBFC Partners
Direct integration with premium commercial lenders to maximize credit approval odds.
Fast Loan Processing
Accelerated credit assessments and digital document validation systems for speedy disbursals.
Transparent Process
Zero hidden charges, upfront processing details, and regular updates at every step.
Expert Business Loan Advisors
Experienced advisors coordinate with bank underwriters to ensure standard profile approvals.
Secure & Confidential Process
All business financial statements and documents are secured with high-grade security protocols.
Frequently Asked
Questions
Clear answers to common questions about business loan approvals and terms.
Proprietors, Partnership Firms, Private Limited companies, and doctors/contractors residing in India with registered and tax-compliant business operations can apply.
The business entity must be actively registered and continuously operational for a minimum of 1 year at the time of submitting the application.
No, collateral is not mandatory. We offer unsecured business loans up to ₹50 Lakhs. Secured business financing options are available for higher loan limits up to ₹5 Crore.
Primary eligibility evaluation and in-principle decisions take 24 to 48 hours once all bank statements and GST documents are submitted to our advisors.
Yes, sole proprietorship entities can apply by providing registration proofs (GST, Shop establishment, MSME Udyam) and individual KYC details of the proprietor.
Monthly EMIs are calculated using the reducing balance method based on the formula: EMI = [P x R x (1+R)^N]/[(1+R)^N-1], where P is Principal, R is monthly Interest Rate, and N is Tenure in months.