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Product · Business Loan

Business Loan.

Working capital, machinery purchase, expansion to a second branch — running a business in India usually means waiting too long for a sanction that might never come. We make it move faster.

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Starting from
14.00%
Maximum amount
₹2Cr
Tenure
12–60 mo
Disbursal
3-7d

Why pick this loan through BazaarBraker?

  • Collateral-free options for amounts up to ₹50 lakh
  • Flexible repayment structures including step-up EMIs and seasonal payments
  • GST-data-based loans for businesses with regular invoicing
  • MUDRA loans and Stand-Up India schemes available for first-time borrowers
  • Top-up loans available within 12 months of clean repayment history

Who's eligible?

Each lender sets its own criteria — these are the typical baselines. We'll match you only with lenders whose rules you actually meet.

  • Business vintage of at least 3 years (1 year for MUDRA loans)
  • Annual turnover of ₹40 lakh or more
  • ITR for the last 2-3 years
  • GST registration for businesses above turnover threshold
  • Age between 25 and 65 years for the proprietor or main partner

What you'll need.

Standard documents. Upload once. We share them only with the lender you choose to apply to.

  • PAN, Aadhaar, and address proof of the proprietor/partners
  • Business registration: GST, Udyam, Shop Establishment, or Partnership Deed
  • Last 2 years of ITR with computation of income
  • Last 12 months of bank statements (primary current account)
  • Audited financials for the last 2 years (if turnover > ₹1 Cr)
Live rates

Indicative rates from our partners.

Rates as of 2025. Your final offer depends on the lender's assessment of your profile.

LenderInterest rateProcessing feeMax tenure
HDFC Bank14.00% – 21.00%Up to 2.50%48 months
ICICI Bank14.50% – 19.00%Up to 2.00%60 months
Axis Bank14.25% – 22.00%Up to 2.00%60 months
Bajaj Finserv15.00% – 26.00%Up to 3.54%60 months
Tata Capital15.00% – 24.00%Up to 3.00%60 months
Lendingkart16.00% – 27.00%Up to 3.00%36 months
Flexiloans16.00% – 30.00%Up to 3.50%36 months

* Rates are indicative and subject to change without notice. Final rate depends on credit score, income, and lender's policy.

FAQ

Things people ask.

Quick answers to the questions that come up most often.

Yes — through MUDRA loans (under the Pradhan Mantri MUDRA Yojana), Stand-Up India, or fintech NBFCs that focus on early-stage businesses. The amounts are smaller and rates are higher, but the approval is faster.
For loans up to ₹50 lakh, most of our partner lenders offer unsecured business loans. For larger amounts, you may need to pledge property, machinery, or fixed deposits as collateral.
Lenders look at your GST returns to assess turnover and consistency, then offer a loan amount based on that. Decisions can be made in hours rather than days because the data is already verified by the GST system.
Standard EMIs are most common. But you can also opt for step-up EMIs (lower in the early months), balloon payments, or seasonal repayment if your business has cyclical cash flow (like agriculture or tourism).
Yes. CGTMSE provides credit guarantees for MSMEs (so you don't need collateral). MSME schemes offer interest subsidies. Stand-Up India provides loans for SC/ST and women entrepreneurs. We'll guide you to whichever fits.

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