Offers for New Customers
3 Unique Variants
Loan of up to Rs. 40 Lakh
No Guarantor / Collateral
No Hidden Charges
Business Loan
Get high Business Loan Eligibility
Follow these steps before applying to maximise your chances of approval and secure the best terms for your business.
Prepare a Business Plan
A well-structured business plan demonstrates financial discipline and purpose, giving lenders confidence in your repayment ability.
Know Your Credit Score
Check your credit score in advance. A score of 700 or above is preferred by most banks and NBFCs for business loan approvals.
Research Available Options
Compare interest rates, processing fees, and tenure across lenders to find the most suitable business loan product for your needs.
Decide the Loan Amount
Calculate exactly how much funding you need. Borrowing the right amount helps keep EMIs manageable and interest costs low.
Keep Documents Ready
Gather all required documents — identity proof, business proof, financials, and tax returns — before starting the application process.
Maintain Stable Financials
Ensure your business has been profit-making for at least the last year and shows a consistent banking and turnover history.
Features & Benefits
Explore our Business Loan Products
We offer a comprehensive range of business loan types to match every stage of your business growth and working requirement.
Term Loans
Fixed lump-sum funding repaid over a defined tenure — ideal for long-term capital investments, asset purchases, or business expansion.
Working Capital Loans
Short-term financing to manage daily business operations — covering payroll, inventory, and operational expenses during lean periods.
Business Expansion Loans
Fuel your growth ambitions — open new branches, enter new markets, or scale operations with dedicated expansion financing.
Equipment Financing Loans
Purchase or upgrade machinery and equipment without straining cash flow — the asset itself often serves as collateral.
Invoice Financing & Bill Discounting
Convert outstanding invoices into immediate liquidity — bridge cash flow gaps without waiting for customer payments to arrive.
Machinery Loans
Purpose-built financing for industrial machinery and manufacturing equipment, with competitive rates and flexible repayment options.
Eligibility
Meet the following criteria to qualify for a Business Loan from Fintexis Services.
Business Type
Sole proprietorships, partnerships, LLCs, corporations, MSMEs, retailers, traders, manufacturers, and other non-farm income-generating entities in services, trading, and manufacturing.
Age Criteria
Minimum 21 years at the time of loan application; maximum 65 years at loan maturity.
Business Vintage
Minimum 1 year of operational history required. Business location must remain the same.
Credit Score
700 or above preferred by most private and public sector banks and NBFCs.
Annual Turnover & Cash Flow
Minimum turnover as defined by the Bank/NBFC. Business must be profit-making for at least the last 1 year.
Collateral & Property
Secured loans may require assets. Applicants must own a residence, office, shop, or godown. Nationality: Indian Citizens.
Required Documents
- PAN Card (mandatory)
- Aadhaar Card / Voter ID / Passpor
- Address Proof — Electricity Bill / Ration Card
- Passport-size Photographs
- Bank Account Details (for payouts)
- Last 6 months Bank Statement
- GST / Business Registration (if applicable)
- Professional License (for CAs, Doctors, Lawyers)
- Income Tax Returns — last 2–3 years
EMI Calculator
Loan EMI
Total Interest Payable
Total Payment
(Principal + Interest)
FAQs
Personal Loan FAQs
Who can apply for a business loan?
Business loans are available to various entities, including sole proprietorships, partnerships, LLCs, corporations, non-profit organizations, and startups. Eligibility is typically based on factors like the business’s creditworthiness, revenue, profitability, and the borrower’s personal credit history. Each lender may have specific criteria, so it’s advisable to check with them for exact requirements.
What is Udyam?
Udyam Registration, or MSME Registration, is a special card granted to small and medium-sized businesses by the government of India. This card has a unique number and a certificate stating that the company is a micro, small, or medium enterprise. This Udyam registration helps MSMEs secure loans with lower interest rates, reduced collateral requirements, and faster processing times, making it easier for small businesses to grow and thrive. By registering under Udyam, businesses can also gain access to government subsidies, tax benefits, and other financial support tailored to their needs. This initiative is part of the government’s broader effort to promote entrepreneurship and support the growth of MSMEs in India.
How can I qualify my business for an instant business loan?
To qualify for an instant business loan, you typically need a good credit score, stable revenue, and a low debt-to-income ratio. Lenders may also require your business to have been operational for a certain period. Meeting these criteria increases your chances of qualifying for an instant business loan, which can provide quick access to funds for your business needs.
What are the loan schemes initiated by the Government of India?
The Government of India has initiated several loan schemes to support various sectors and promote entrepreneurship and economic development. Some key loan schemes include: 1) Pradhan Mantri Mudra Yojana (PMMY) 2) Stand-Up India Scheme 3) Credit Guarantee Fund Scheme for Micro and Small Enterprises (CGTMSE) 4) Startup India Scheme 5) Prime Minister’s Employment Generation Programme (PMEGP) 6) Credit Linked Capital Subsidy Scheme (CLCSS)” 7) National Rural Livelihoods Mission (NRLM) These schemes are aimed at providing financial support and promoting entrepreneurship across various sectors of the economy.