• Term Loans
• Working Capital Loans
• Business Expansion Loans
• Equipment Financing Loans
• Invoice Financing & Bill Discounting
• Machinery Loans

• Business Type: Lenders cater to diverse business structures: sole proprietorships, partnerships, LLCs, corporations, etc.
• Credit Score: Maintain a good credit score for loan eligibility. Lenders evaluate credit history to gauge repayment capacity.
• Business Age: Certain lenders mandate a minimum operational tenure, typically a few months to a year, for business loan eligibility.
• Annual Revenue: Lenders might stipulate a minimum annual revenue prerequisite to ensure your business maintains a stable income stream.
• Collateral: Secured loans may necessitate collateral, such as real estate, equipment, inventory, or other valuable assets, to secure the loan.
• Cash Flow: Lenders frequently assess your business's cash flow to gauge its capacity to repay the loan.
• Age Criteria: Applicants must be at least 21 years old when applying for the loan and no older than 65 at loan maturity.
• Eligible Entities: Eligible entities include individuals, MSMEs, Sole Proprietorships, Partnership Firms, Public and Private Limited Companies, Limited Liability Partnerships, retailers, traders, manufacturers, and other service, trading, and manufacturing businesses.
• Business Vintage: Min. 1 year or above
• Business experience: Min. 1 year, business location to remain same
• Annual Turnover: Shall be defined by the Bank/NBFC
• Credit Score: 700 or above (Preferred by most private and public sector banks)
• Nationality: Indian citizens
• Additional Criteria: Applicants must own either a residence, office, shop, or Godown.

Submit the necessary documents based on your business entity:

• ITR for the past 2-3 years
• Current Bank Account Statement for the last 12 months
• Photocopy of PAN Card
• Address Proof for Residence such as Voter Card, Passport, Aadhar Card, Telephone Bill, Electricity Bill
• Address proof for Business such as the Telephone Bill or Electricity Bill
• Last Financial Year's provisional Financials and future year's projections.
• Company's business profile on the letterhead
• 2 photographs of promoters and property owners.
• Sanction letter and Repayment schedule of existing loan
• GST registration certificate and GST returns of latest 2 years.
• D-Vat/Sale tax registration copy
• Udhayam Aadhar registration certificate
• Rent agreement copy of factory and residence (if property is rented)
• Business Continuity proof of 3 years (3 years old ITR/Company registration etc)
• Company PAN Card, Certificate of Incorporation, MOA, AOA, List of Directors, and Shareholding pattern for Pvt Ltd companies
• Partnership Deed, Company pan Card for Partnership Companies