Business Loan

Business loan assistance for working capital, expansion, stock purchase and cash flow needs.

Business Loan Assistance

MoneyCashe helps customers understand eligibility, documentation and lender process for business loan enquiries. We do not guarantee approval; final decision, rate, amount and charges depend on lender policy and verification.

Common Documents

  • PAN and Aadhaar
  • Address proof
  • Bank statements
  • Income proof or ITR
  • Loan-specific documents as required by lender

How MoneyCashe Helps

  • Profile discussion
  • Document checklist
  • Eligible lender coordination
  • Clear guidance on rates, fees and process

Business Loan – Key Details

Indicative figures for reference. Actual interest rate, loan amount, tenure and charges depend on lender policy, your profile and document verification.

ParameterDetails
Interest Rate11% – 24% p.a. (indicative)
Loan Amount₹1 Lakh – ₹1 Crore+ (higher for well-established businesses)
Tenure12 – 60 months
Processing Fee1% – 2.5% of loan amount
Age Criteria23 – 65 yrs
Business VintageMinimum 1 – 3 years (varies by lender)

Eligibility Criteria

Business Requirements

  • Business/firm registered and operational for the minimum vintage required
  • ITR filed for the last 1–2 years
  • Minimum annual turnover as per lender criteria

Documentation Preference

  • GST registration preferred by most lenders
  • Regular banking activity reflected in bank statements
  • No major defaults in existing credit history

Key Benefits

Unsecured Options

Collateral-free funding options available for eligible profiles.

Multi-Purpose Use

Supports working capital, expansion, machinery purchase or stock/inventory needs.

Flexible Repayment

Repayment structures can be matched to your business cash flow.

Quick Processing

Faster processing designed for MSME and small business owners.

Application Process

1Business Profile Review
Share your business type, vintage and funding requirement.
2Financial Document Check
Submit ITR, GST returns and bank statements.
3Lender Coordination
We coordinate your application with eligible banks/NBFCs.
4Sanction & Disbursal
On approval, funds are disbursed as per the lender's process.

Business Loan – FAQs

What is the minimum turnover required for a business loan?

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Minimum turnover requirement varies by lender and loan amount; most lenders assess ITR, bank statements and GST returns to determine eligibility.

Can a new business apply for a business loan?

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Most lenders prefer a minimum business vintage of 1–3 years, though some may consider newer businesses with strong financials or collateral.

Is collateral required for a business loan?

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Not always. Unsecured business loans are available for eligible profiles, though secured options may offer higher amounts and lower rates.

What documents are required for a business loan?

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Common documents include PAN, Aadhaar, business registration proof, GST returns, ITR, and bank statements for the last 6–12 months.

How is the business loan interest rate decided?

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Interest rate depends on the lender's policy, business vintage, turnover, credit profile, and the loan amount and tenure selected.

MoneyCashe is a loan assistance / DSA platform and not a bank or NBFC. Interest rates, loan amount, tenure, fees and approval are solely decided by the partner lender based on eligibility, credit profile and document verification. Figures shown above are indicative and for reference only.

Need Business Loan Support?

Submit your enquiry and our team will assist you.

Apply Now