Business Loan: Apply for Business Finance Online

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What Is Business Loan?

A business loan helps you cover expenses related to the operation, management, and expansion of your business. This encompasses working capital for daily business requirements, acquiring equipment and real estate, and managing inventory. Business loans are versatile and applicable to startups as well.

Simple Application Process
Easy repayment options
Minimum paperwork
Flexible Tenure

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Key Features and Benefits of a Business Loan
From high loan amounts to quick disbursals and no collateral requirements, business loans are designed to support your growth, your way.

Flexible Plans

Our simple and flexible business loans help take your business to the next level. Choose between Secured Loans for higher funding and Unsecured Business Loans for fast, collateral-free access.

Loan of up to ₹2 cr

Get funding for all your business needs with loan amounts ranging from ₹2 lakh to ₹2 cr lakh, suitable for both short-term and large-scale expenses. You can also use a business loan EMI calculator to plan your repayment better.

Convenient tenures of up to 7 years

Select a repayment tenure that fits your budget with options ranging from 12 to 84 months, offering you financial comfort over time.

Money in your bank account in 48 hours*

Once your instant business loan is approved, the sanctioned amount is typically disbursed to your bank account within 48 hours*.

No hidden charges

All applicable fees are mentioned upfront in your loan documents, ensuring complete transparency when you apply for business loan.

No collateral required

You don’t need to pledge any assets or property. Our business loan is completely unsecured and hassle-free.

Online application process

Apply for business loan online from anywhere, anytime — and track your application digitally for added convenience. Our business loan process ensures minimal paperwork and faster approvals.

Eligibility Criteria for Business Loan

To apply for a business loan, you must meet a few basic requirements. These criteria help ensure faster processing and approval of your application.

Eligibility Criteria for Business Loan

Age You should be between 25 and 65 years old at the time of application.
Business Vintage Your business should be operational for a minimum of 2 years to meet basic business loan eligibility.
Credit Score A CIBIL score of 685 or higher is preferred to improve your chances of approval and secure a competitive business loan interest rate. The minimum acceptable score is 650.
Business Type Startups, MSMEs, Proprietors, Partnership Firms, Pvt Limited, Public Limited Companies, Trusts
Ineligible Entities Charitable organisations, NGOs, and trusts are not eligible to apply for a business loan.
Blacklisted Categories The business must not fall under any blacklisted categories, and the office location should not be listed on any negative registry.
Turnover Minimum 1 Cr

Documents Needed for Business Loan

To ensure a smooth loan application process, keep these documents ready before you apply for business loans.

KYC Documents Pan, Aadhar, Driving License, Passport, Voter ID
Identity & Address Proof Submit PAN Card, Aadhaar Card, and utility bills of the borrower and all co-borrowers to verify identity and personal/business address.
Business Proof GST Certificate, Udhyam Certificate, Shop Act License
Business Registration Documents Include relevant documents such as GST registration, Shop Act licence, Udyam registration, or proof of business registration. For partnerships, submit a copy of the partnership deed and company PAN Card.
Financial Documents Provide your latest Income Tax Returns, audited financial statements, and Balance Sheet and Profit & Loss statements for the past 1–2 years. These help establish creditworthiness.
Submit bank account statements from the last 6–12 months of your primary business account. These statements are crucial for evaluating cash flow and are required even for online business loans.
Other Required Documents Signed loan agreement for term loan facilities.
KYC documents for all co-borrowers.
Additional documents may be requested for further credit assessment.

How to Apply for a Business Loan Online

1step

Visit Our Website or App

Begin your business loan apply online journey through the official Aditya Birla Capital website or mobile app.

2step

Fill in Basic Details

Provide your personal, business, and financial information in the application form.

3step

Upload Required Documents

Scan and upload all the necessary documents to support your application for an instant business loan.

4step

Select Loan Amount & Tenure

Choose the loan amount and repayment period that best match your business needs. Use our business loan EMI calculator to estimate your monthly payments.

5step

Get Quick Approval & Disbursal

After verification, your loan will be approved and disbursed within 24–48 hours, directly to your account.

Our Business Loan Plans

Explore our simple and flexible Business Loans to take your business to the next level

Business Loan Calculators

Get a clearer picture of your loan requirements before applying.

What is a Business Loan EMI Calculator?

A Business Loan EMI calculator computes your monthly loan repayment amount, helping you foresee and manage repayments conveniently. It also helps you make wise financial choices by ensuring you can afford the loan in the given loan period.

How does the calculator work?

The calculator estimates monthly payments based on the loan amount, expected interest rate, and the tenure of your selection. All you need to do is provide the required data and the calculator will take care of the rest.

Calculate EMI
Calculate Business Loan Amount

Business Loan Amount

Tenure (1 to 10 Years)

Rate of Interest (8 to 25%)

I can pay EMI of

Tenure (1 to 10 Years)

Rate of Interest (8 to 25%)

Interest

Payout

Your EMI Details

₹ 0

Total Interest

₹ 0

Total Payout

₹ 0

PLAN TYPE	UNSECURED BUSINESS LOAN	SECURED BUSINESS LOAN
Best for It suggests who should get this policy. Remember, it’s only a suggestion	Those who want an instant loan without the hassle of paperwork	Those seeking cost-effective credit with a quick turnaround.
Loan Amount The amount of money in Indian Rupees that the borrower can get.	Up to ₹2 cr	Up to ₹25 Cr.
Tenure The duration in which the loan is supposed to be paid back.	12 months to 84 months	Up to 12 years
Additional Features Any extra features offered in the plan.	Everything will happen online, no need for branch visits.	The average turnaround time is 7 days from the date of receipt of all required documents.
	APPLY NOW	APPLY NOW

What Is Business Loan?