Get a Business Loan up to ₹75 Lakhs
Business Loan
Enter your details to explore suitable business loan options for your company.
Made for startups, growing businesses, and established enterprises alike.
Compare offers from 25+ Fintech, Banks and NBFCs in one place.
Get your funds within 24–48 hours after approval.
Types of Business Loans We Help You Access
Not every business needs the same kind of funding, so here's a quick look at what our lending partners offer:
Working Capital Loan
Covers the everyday gaps: paying staff on time, buying raw material, or keeping things running while you wait for a client to clear an invoice.
Business Expansion Loan
For when you're ready to open a second outlet, enter a new city, or add a new product line.
Machinery & Equipment Loan
Buy or upgrade the tools of your trade, from a new printing press to a CNC machine, usually secured against the equipment itself.
Inventory or Stock Loan
Stock up raw materials or finished inventory ahead of peak seasons or high-volume orders.
Overdraft or Cash Credit
A flexible credit line against your assets or turnover, where you only pay interest on what you actually use.
Who Can Benefit From a Business Loan?
A business loan can help meet a wide range of business needs, from managing working capital and purchasing stock to expanding operations or consolidating existing loans.
- SMEs and Established Businesses: For business growth, cash flow, or new investments.
- Small Businesses and Retailers: For stock purchases and working capital needs.
- Manufacturers: To purchase or upgrade machinery and equipment.
- Self-Employed Professionals: Doctors, CAs, consultants, and others looking to grow their practice.
- Traders, Wholesalers, and Distributors: To manage inventory and seasonal business needs.
- Service Providers and Franchise Owners: To expand operations or open new locations.
- Startups and Early-Stage MSMEs: To cover setup costs and support day-to-day operations.
- Women Entrepreneurs: Eligible applicants may access dedicated schemes from select lending partners.
- Existing Business Owners: To explore consolidation of multiple business loans into a single repayment.
Business Loan Eligibility & Approval Factors
Eligibility Requirement
21–65 years
Key Consideration
Age at loan maturity may be considered
Eligibility Requirement
1 year+
Key Consideration
Depends on lender
Eligibility Requirement
Proprietorship / Partnership / LLP / Pvt Ltd / Public Ltd
Key Consideration
Lender-specific
Eligibility Requirement
Indian Resident
Key Consideration
Subject to lender requirements
Eligibility Requirement
₹5 Lakh - ₹1 Cr+
Key Consideration
Varies by lender and loan amount
Eligibility Requirement
Last 2 years
Key Consideration
Recent ITRs may be required
Eligibility Requirement
No major adverse history
Key Consideration
Subject to lender's credit assessment
What CIBIL Score Do You Need for a Business Loan?
Many partner lenders consider CIBIL score as one of the factors when assessing business loan applications. The required score varies by lender and applicant profile.
Some lending partners may consider applications with a lower score where other factors such as business turnover, cash flow, repayment capacity, or collateral support the application.
A lower credit score does not necessarily mean that every lending option is unavailable. Eligibility depends on the complete financial and business profile.
Checking available options through an eligibility process may be performed without impacting your CIBIL score where the check is treated as a soft inquiry.
Documents Required for a Business Loan
PAN Card, Aadhaar Card, and passport-size photographs as applicable.
GST Registration Certificate, Udyam/MSME Registration where applicable, Partnership Deed, Certificate of Incorporation, or Shop & Establishment License depending on entity type.
Bank statements for the last 3–6 months, Income Tax Returns for the last 1–2 years, Profit & Loss statement, and Balance Sheet where applicable.
Business address proof and residential address proof of proprietor, partners, or directors as applicable.
Existing loan statements, if any, for consolidation or repayment-capacity assessment.
Calculate Your Business Loan EMI
Estimate your monthly EMI based on your loan amount, interest rate, and repayment tenure.
Estimated Monthly EMI
₹50,541
Why Choose Hello Credit for Business Loans?
Wide Lender Network: Compare available offers from multiple lending partners based on your business profile, all in one place.
No Impact on Your CIBIL Score: Checking your eligibility may use a soft inquiry where applicable, so it does not affect your credit score in that process.
Quick Disbursal: Once approved and after completing the lender's requirements, funds are disbursed according to the lender's process.
Your Documents Stay Confidential: Your PAN, GST, and financial details are shared with relevant parties only as permitted by your consent and applicable processes.
Straightforward Terms: Review applicable interest rates, tenure, processing fees, and EMI before proceeding with a lender.
Support When You Need It: Get guidance through the application process and understand the requirements for your business loan.
Process for Getting a Business Loan
Follow our step-by-step process to explore your business loan options.
Fill in your details
Including your business or owner name and mobile number, then verify your OTP.
Get a Call from Our Team
A Hello Credit representative will understand your funding needs and guide you through the next steps.
Document Submission
Share your KYC, business proof, and financial documents.
Soft Eligibility Check
We match your profile with 20+ lender policies without affecting your CIBIL score.
Compare and Choose
Review the matched offers and select the lender that best fits your needs.
Disbursal
Funds are credited after final approval and completion of the lender's documentation process.
Frequently Asked Questions About Business Loans
Have doubts about rates, documents, eligibility, or CIBIL requirements? Explore answers to common questions below.