Corporate Term Loans: Long-Term Business Financing

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What is a Term Loan?

A term loan is a business loan granted for a specific amount, with a fixed repayment schedule and tenure. It is ideal for enterprises seeking short-term loans or long-term funding to support capital expenditure, working capital, or strategic business expansion.
Unlike overdrafts or credit lines, term lending involves borrowing a lump sum with structured repayment, making it suitable for clearly defined funding needs.

Purchase machinery or equipment

Expand production or enter new markets

Hire skilled manpower or upgrade systems

Cover immediate working capital requirements

Term Loans for Corporate Growth & Expansion

Get the funds you need to power your next big move. Whether you're planning to expand operations, invest in new assets, or manage short-term cash flow gaps, term lending from Aditya Birla Capital gives you access to fast, flexible financing, designed for real business impact.

Key Features of Aditya Birla Capital Term Loans

Loan Amount:

Tailored as per business requirement and financials

Tenure:

From 12 months to up to 15 years

Interest Rate:

Attractive and competitive term loan interest rates

Usage:

Working capital, asset purchase, business expansion, process upgrades

Repayment:

EMI-based or structured as per cash flow cycles

Processing Time:

Quick disbursal with minimal documentation

Revision of Reference Rates for determining Interest Rates on loans given

A high credit score signals reliability to lenders and can help you get lower personal loan interest rates.

High existing debt can lead to higher interest, as lenders see more risk in lending to heavily indebted borrowers.

Stable income and employment history make you eligible for personal loans with low interest rates, as lenders perceive lower risk.

Different banks and NBFCs have varying interest rate structures, so comparing offers helps identify the personal loan minimum interest rate available to you.

Larger loans or longer repayment tenures may attract slightly higher personal loan rates due to increased risk.

Types of Term Loans Offered

Ideal for managing operational expenses or short-term projects (up to 3 years)

For major capital expenditures, expansions, or high-value investments (up to 15 years)

Based on business profile and collateral availability

Check Your Eligibility

Eligibility Criteria

Registered businesses operating for at least 2 years
Healthy financial track record and repayment capacity
Proprietorships, partnerships, LLPs, private limited and public companies
Clear business plan or fund utilisation roadmap

Application Process

Register and submit your business details online
Provide basic documents and financials
Get verified and receive a custom loan offer
Accept the terms and get disbursal directly to your account

Our team ensures smooth onboarding and personalised assistance throughout the journey.

Why Choose Aditya Birla Capital for Term Loans?

Proven expertise in term lending for corporates

Tailored loan solutions with competitive rates

Quick disbursal and end-to-end digital process

Trusted by leading enterprises across sectors

Dedicated Relationship Managers for personalised support

Customer Satisfaction Stories

Mr. Hiralkumar Ashokbhai Patel

Aditya Birla Finance Customer

The digital platform and whatsapp service of ABHFL gives me a quick access to my basic loan details such as statement of accounts, loan account details, interest certificate, and repayment schedule.

Mr. Arpit Jain

Aditya Birla Finance Customer

Gurgaon, India

Mr. Pramod Kumar Saini

Aditya Birla Finance Customer

Highly appreciate the speed of work at ABHFL, my overall experience in the home loan journey was good.

Mr. Dharmendra Kumar

Aditya Birla Finance Customer

Meerut, India

Mrs. Snehal Rajpure

Aditya Birla Finance Customer

Loan Against Property

Pledge property, access funds

High LTV ratio for loans
Low interest rates, easy repayments

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Lower rates, affordable repay

Reduced Interest Rates
Lower Monthly Payments

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FAQs on Term Loan

The tenure can range from 12 months to up to 15 years, depending on your business needs and eligibility.

Any registered business with a minimum operating history of 2 years and a strong financial profile.

A term loan provides a lump sum repayable over a fixed period, while a CC (Cash Credit) loan offers a revolving credit facility based on working capital needs.

Purchasing new machinery or funding a plant expansion with a loan repayable over 5 years is a classic example of a term loan.