Instant Business Finance
Business Loan for Your Business Up to ₹50 Lakh, No Collateral
A customised, unsecured business loan for existing MSMEs minimal paperwork, a transparent process, and a flexible tenure of 24 to 42 months, so your EMI fits your cash flow.
₹50L
Max Loan Amount
24-42
Months Tenure
100%
Collateral-Free
12%
p.a. Starting Rate
What Is a
Business Loan?
A business loan is financing that banks and NBFCs like FlexiLoans offer to business owners to cover working capital, purchase equipment, manage inventory, or fund expansion. A FlexiLoans business loan is unsecured; you don't need to pledge property, machinery, or any other asset as collateral. Your loan amount, interest rate, and tenure are customized based on your business's GST returns, bank statement, and credit profile, so the loan fits your business rather than the other way around.
If you run an existing business with at least 1 year of vintage, a shop, a manufacturing unit, a service firm, or an e-commerce venture, this loan is built for you. You get an instant loan offer with minimal paperwork, competitive interest rates starting from 12% per annum (1% per month), and a fully online, transparent process with no hidden charges.
Why ChooseFlexiLoans Business Loan?
Business Loan EMI
Calculator
A business loan EMI calculator can help you estimate your monthly installments and plan your finances better. Let us understand and explore how a business loan calculator works and how you can use it to your advantage when you apply for a business loans.
Transparent Business Loan Interest Rates & Charges
Our business loan charges are designed with complete transparency. From competitive interest rates and minimal processing fees to clearly defined penalties, you know exactly what you're paying for, with no hidden costs or surprises.
| Fee / Charge | Details |
|---|---|
| Interest Rate | Starting from 12% per annum (1% per month)* |
| Processing Fee & Document Chagres | 2-6% of the loan amount + GST |
| Loan Tenure | 24 to 42 months |
| Foreclosure Charges | 5% on the pending principal amount |
| Late Payment Fee | ₹1,000 + GST* |
| Bounce Charges | ₹750 for each bounce |
*Rates and charges vary based on your business profile and credit score.
Business LoanEligibility Criteria
We've designed our business loan eligibility criteria to be inclusive while ensuring responsible lending. To qualify for a FlexiLoans term loan for business, your business should meet the following requirements:
Our eligibility assessment takes into account various factors beyond traditional banking parameters, allowing more MSME term loan applicants to access formal credit. We evaluate your business holistically, considering business financials, transaction patterns, and industry potential.
Apply NowMin 1 Year
Operational History
₹2 Lakhs +
Monthly Turnover
21 to 64 Years
Age
700+
Credit Score
Documents Required
1. Personal KYC
- PAN Card
- Proof of Address (Voter's ID / Driving Licence / Rental Agreement / Electricity Bill)
2. Business KYC
- GST Registration Certificate
- Any other business KYC (if you don't have GST registration)
3. Banking & Financial
- Last 6 Months' Bank Statement
- Last 2 Years' ITR Filings
- 6 Months' GST Returns
- Financial Statements (only for loans above ₹20 Lakh)
How to Apply for aBusiness Loan Online?
Our digital-first approach makes the business loan application process paperless and branchless. Here are the steps you can follow to get a business loan of ₹50 lakh:
Check EligibilityFill in Your Business and Financial Details
In order to proceed further with the business loan application, you must provide all the essential documents we have listed above.
Upload the Required Documents Securely
Upload all your documents quickly and safely with soft copies. Our digital process eliminates the need to follow paper trails.
Get Eligibility Confirmation and a Loan Offer
Once you upload all your documents, we assess them and provide status about approval or rejection. If you qualify, we will release a loan offer.
Accept the Terms and Receive Funds in Your Account
After accepting the terms, you will receive the loan amount in your bank account to fund your business operations.
FlexiLoans Vs.
Other Lenders
Business lending options are easily available from many banks and NBFCs. It is important to consider the offers from different lenders to find the right one for your business needs.
Over several years, we have crafted our business loan application process and terms to offer distinctive benefits like quick approval and minimal documentation requirements. This makes us an ideal choice for MSMEs seeking instant business loans for their financial needs.
Here's how FlexiLoans fares against other lenders:
| Feature |  | Banks | Other NBFCs |
|---|---|---|---|
| Loan Amount | Up to ₹50 Lakh | Up to ₹50 Lakh | Up to ₹25 Lakh |
| Approval Process | Quick, tech enabled | Multiple branch visits | Varies by lender |
| Collateral | Not required | Often required | Sometimes required |
| Documentation | Minimal | Extensive | Moderate |
| Interest Rates | Starting from 12% p.a. | Typically higher | Varies |
| CIBIL Score | 700+ | 750+ | 700+ |
Loan
Products
Smart financing solutions to power your business growth: Simple, Fast, and Transparent.
Success Speaks:
Our Customers, Our Pride
A BIG thank you to team Flexiloans, to help me for expanding my vision into reality
Sangeeta Pawar
Grocery Shop Owner, Mumbai
The disbursement of funds was very fast which helped me plan better. All my queries were answered by their team which made the process easier.
S Sivakumar
Owner of Shrinee Fashions, Tirupur
The service was exceptionally great, very quick & hassle free. I would rate the service 10 on 10!
Stephan Balakrishnan
Medical Shop Owner, Mumbai
The entire process was completely digital and transparent. The quick approval and minimal documentation helped me stock up on inventory just in time for the festive season.
Priya Sharma
Boutique Owner, Delhi
Frequently Asked Questions
A FlexiLoans business loan is an unsecured, collateral-free loan of up to ₹50 lakh for existing businesses that need funds for working capital, equipment, inventory, or expansion. Interest rates start from 12% per annum (1% per month), with a flexible tenure of 24 to 42 months.
Sole proprietors, partnerships, Pvt. Ltd. companies, LLPs, and MSMEs with at least 1 year of business vintage, a minimum monthly turnover of ₹2 lakh, and a CIBIL score of 700 or above are eligible to apply.
You'll need personal KYC (PAN and address proof), business KYC (GST registration or Shop Establishment Certificate), your last 6 months' bank statement, GST returns, and ITR filings for the last 2 years. Financial statements are required only for loans above ₹20 lakh.
Interest rates start from 12% per annum (1% per month)*, customised to your business profile and credit score.
You can get a customised, unsecured business loan of up to ₹50 lakh, based on your business's turnover, vintage, and credit profile.
FlexiLoans offers a flexible repayment tenure of 24 to 42 months, so you can choose an EMI that suits your cash flow.
No. FlexiLoans offers 100% unsecured business loans, so you can get funds without pledging any asset.
FlexiLoans follows a fully digital, minimal-paperwork process built around an instant loan offer, so you avoid the delays of traditional branch banking.
Yes. You can use your business loan for working capital, operational costs, equipment purchases, inventory, and more.
There's no fixed cutoff, but a CIBIL score of 700 and above significantly improves your approval chances.
A minimum of 1 year of business vintage reflects operational stability and helps FlexiLoans assess your repayment capacity.
No. FlexiLoans follows a transparent pricing model every fee, from processing charges to foreclosure charges, is disclosed upfront so you know exactly what you're paying.
Please note: FlexiLoans might not provide these specific types of loans. This information is provided strictly for educational and informational purposes. The Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) is a government-backed scheme that helps MSEs access collateral-free credit through eligible banks and NBFCs.
A missed EMI can affect your CIBIL score, so it's best to plan your loan amount and tenure carefully using the business loan EMI calculator before you apply.
Yes. You can foreclose your loan by paying the outstanding principal along with a foreclosure charge of 5% of the pending amount.
Trusted by India's
leading Businesses
We partner with top NBFCs and banks to bring you flexible, transparent business loans so you get the right funding without the hassle.
100+ Partners and growing
