Business Loan
What is a Business Loan?
A business loan is a financial product designed to provide capital to startups, small, and medium enterprises for expanding operations, managing cash flow, purchasing equipment, or other business needs. These loans help businesses grow without dipping into personal savings.
Business loans can be secured or unsecured, depending on the lender and loan type. They offer flexible repayment options and competitive interest rates based on business creditworthiness and financial health.
Many lenders provide quick approvals with minimal documentation, enabling businesses to access funds efficiently and focus on growth opportunities.
Key Features :
- Loan Types: Secured and unsecured loans available based on business needs.
- Loan Amount: Borrow amounts ranging from ₹1 lakh to several crores depending on business scale and eligibility.
- Flexible Tenure: Repayment periods typically from 12 months up to 5 years or more.
- Competitive Interest Rates: Vary based on loan type, credit score, and lender policies.
Why Choose a Business Loan ?
- Fuel Business Growth with working capital, equipment purchase, or expansion funds.
- Manage Cash Flow effectively to meet operational expenses during lean periods.
- Flexible Repayment Options to align with your business income cycles.
- Build Business Credit by timely repayments, opening doors for future funding.
Eligibility Criteria (General) :
- Business Age: Typically 1 year or more in operation.
- Business Type: Proprietorship, partnership, LLP, or private limited companies accepted.
- Financials: Stable turnover and profitability as per lender’s norms.
- Credit Score: Preferably 700+ for better loan terms.
Why Take People
Loan from Wealth Finversity
Instant approval & disbursal
Get fast approval and disbursal of your business loan through a secure
online process. Funds are typically credited within 24–36 hours after approval,
ensuring speed, convenience, and peace of mind.
Flexible Repayment Option
Repayment is flexible with smart options like EMI-free periods,
step-up repayment, or faster closure after 6 months. You can easily align your
repayment with evolving business cash flow and projected revenue growth.
Higher Loan Amount
Choose loan amounts from ₹50,000 to ₹10,00,000 or more based on
business performance and lender policy. Funding is designed to meet capital needs,
expansion, equipment purchases, or operational expenses.
Longer Loan Tenure
Select repayment terms from 6 to 60 months based on your business
cycle. Spreading EMIs across longer periods helps reduce monthly burden and ensures
smoother management of your financial resources.
Minimum documents
Only submit essential documents like business registration, KYC, bank
statements, and income proof. The documentation process is simple, quick, and
tailored to your loan profile and financial needs.
Transparent Process
Enjoy a fully transparent loan process with no hidden charges or
prepayment penalties. Clear communication, secure documentation, and fair lending
terms ensure trust and satisfaction throughout the loan journey.
