Business loans for owners who need working capital

A business loan gives a proprietorship, partnership or company funds for working capital, stock, equipment or expansion. Most are unsecured, so the bank relies on your business income, banking history and returns rather than collateral.

Check in the app Call +91 90252 75003

Who banks lend to

Businesses with an operating history, filed income tax returns and healthy bank statements. Lenders look at turnover, profitability, existing loans, the owner's credit history and how long the business has been running.

How the amount is set

The bank works from your annual income and the repayment capacity shown in your statements, then caps the EMI at a share of that income after existing obligations. The final figure, rate and tenure are the bank's decision.

Repayment

Equal monthly instalments over a fixed tenure. Foreclosure and part-payment charges vary by bank and are confirmed in the sanction letter.

Documents the bank usually asks for

Nothing is needed to compare or enquire. The bank asks for these once it picks up your enquiry.

PAN and Aadhaar of the owner
Business registration, GST certificate or shop licence
Last 12 months of business bank statements
Income tax returns with computation and financials
Proof of business address

Business loan plans from our partners

Our banking partners share plans with us as they open them up. Here is where business loan plans appear.

No business loan plan is listed for comparison right now. Open the app to see what is live for your profile, or call our team on +91 90252 75003 and we will check with HDFC Bank, ICICI Bank and Axis Bank for you.

Questions about business loans

I am self-employed. Which details do I enter?

Choose Self-Employed in the app and enter your business name, years in operation, annual income and whether you file ITR. The matcher works from your monthly share of that income.

Do I need collateral?

The business loan plans our partners share are typically unsecured. Where a bank needs security, it will say so when it contacts you.

Is Loan Bazzars free to use?

Yes. Comparing offers and sending an enquiry costs nothing. Any charges come from the bank, and only if you go ahead with a loan.

What happens after I send an enquiry?

Our team forwards it to the bank and helps you understand which documents are needed. The bank contacts you directly to take the application forward. Approval, rate and disbursal are entirely the bank's decision.

Other loan types

See which offers match you

Five minutes, no documents to start, and your CIBIL score is not touched.

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