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Business Loan

Working capital, equipment purchase, business expansion or cash flow management — DealGini connects SMEs and MSMEs with 21 lenders to find the right business loan, fast.

Loan Amount ₹2 Lakh – ₹5 Crore
Repayment Tenure 12 – 60 months
Processing Fee 1% – 3%
Typical Turnaround 3–7 working days
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Loan Details

Everything you need to know
before you apply.

Key Figures
Loan Amount₹2 Lakh – ₹5 Crore
Repayment Tenure12 – 60 months
Processing Fee1% – 3%
Typical Turnaround3–7 working days
Principal Lenders21 Banks & NBFCs
Interest RateDiscussed at consultation
Loan Types Covered
Working Capital Loan Term Loan MSME / SME Loan Machinery & Equipment Finance Business Expansion Loan Overdraft / CC Facility
Who Can Apply

Eligibility criteria.

These are general guidelines. DealGini works with both Banks and NBFCs — NBFC partners typically offer relaxed norms on vintage, turnover and credit score versus traditional bank criteria, so if you don't meet one lender's criteria, we find another that fits your profile.

Age
21–65 years (proprietor / director) at loan maturity
Business Vintage
Banks: 2+ years preferred. NBFC partners: 1 year of operation accepted, business location should remain stable
Eligible Entities
Proprietorship, Partnership, LLP, Private Ltd, Public Ltd — retailers, traders, manufacturers and service businesses across non-farm sectors
Turnover
Banks: Minimum ₹20 Lakh annual turnover. NBFC partners: lower or no fixed turnover threshold — assessed on bank statement cash flow and ITR instead
Credit Score
700+ preferred for bank products. NBFC partners consider 650+ profiles where business financials and repayment history are strong
Collateral
Mostly unsecured up to ₹50 Lakh–1 Crore depending on lender; secured options available for higher amounts against property or other assets
Compliance
GST registration (where applicable), ITR filing and bank account in business name. Udyam/MSME registration strengthens NBFC applications
Premises
Applicant should operate from a registered residence, office, shop or godown — owned or rented
What to Prepare

Documents checklist.

Keep these ready before applying. Document requirements ease up considerably with our NBFC partners — our team will guide you on exactly what's needed for your profile.

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Identity Proof
Aadhaar + PAN of proprietor / all directors / partners, with 2 passport-size photographs
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Business Proof
GST certificate, Udyam/MSME registration, Trade licence / Company registration
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Entity Documents
Partnership Deed (partnership firms) or COI, MOA, AOA & list of directors (Pvt Ltd / LLP)
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Income Proof
ITR last 2–3 years + provisional financials and next year's projections (for NBFC review)
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Bank Statements
Business current account statements — last 12 months
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Address Proof
Residence and business address proof — utility bill, rent agreement or property papers
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Business Profile
Brief company profile on letterhead, describing nature of business and operations
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Additional
Existing loan sanction letters and repayment schedule (if any outstanding loans)
Cost Breakdown

Fees & charges.

Charges vary by lender and case. This gives you a realistic range so there are no surprises.

Particulars
Charges
Loan Processing Fee
1% – 3% of loan amount (bank); up to 5% on select NBFC products
Loan Cancellation
0% – 5% of loan amount, as per lender policy
Stamp Duty
₹60 – ₹600, as per state regulations
Prepayment / Foreclosure
Nil to 4%, varies by lender and loan tenure elapsed
EMI / Cheque Bounce Charges
Approx ₹499 – ₹599 per instance
Penal Charges
As applicable on overdue EMIs, per lender policy

Other charges that may apply include documentation, verification, duplicate statement, NOC and swap charges. DealGini discloses all applicable charges upfront before you sign — no hidden costs.

EMI Calculator

Estimate your monthly payment.

This is an indicative calculation only. Actual EMI depends on the lender's interest rate and your profile.

Loan Amount ₹10,00,000
Interest Rate (% p.a.) 12%
Tenure 36 months
Estimated Monthly EMI
₹33,214
₹10,00,000
Principal
₹1,95,704
Total Interest
₹11,95,704
Total Payable

* Indicative only. Contact DealGini for a precise quote tailored to your profile.

Apply Now

Get started in
3 minutes.

Fill the form and our team will call you within 2 business hours. We'll assess your profile, suggest the best lender and guide you through the entire process — at no cost to you.

Apply for Business Loan
Free consultation. No commitment required.

Your information is kept confidential. We never share your details without your consent.

Common Questions

Frequently asked
questions.

Do I need collateral for a business loan?+
Not always. Many lenders offer unsecured business loans up to ₹50 Lakh–1 Crore based on financials and credit score. For larger amounts, collateral or a guarantor may be required.
Can a new business (less than 2 years old) get a loan?+
It is difficult for most lenders. Some NBFCs consider new businesses with strong promoter profiles and documented orders or contracts. DealGini will assess your options honestly.
What is the difference between a working capital loan and a term loan?+
A working capital loan covers day-to-day operational expenses and is usually short-term. A term loan is for longer-term investment like equipment or expansion, repaid in fixed EMIs.
How does DealGini help MSMEs specifically?+
We know which lenders are MSME-friendly, what documentation they need and how to present your case. Many MSMEs get rejected simply due to poor file preparation — we fix that.
Can I get a business loan if I have an existing loan?+
Yes, subject to your FOIR (Fixed Obligation to Income Ratio). Lenders assess your total repayment capacity. DealGini will calculate this before applying to avoid unnecessary rejections.
What is Udyam registration and does it help my loan application?+
Udyam (MSME) Registration is a government certificate identifying your business as a micro, small or medium enterprise. It often helps you secure loans with lower interest rates, reduced collateral requirements and faster processing — especially with our NBFC partners. If you don't have one yet, we can guide you through it.
My bank rejected my loan — can an NBFC still approve it?+
Often, yes. Banks tend to apply stricter vintage, turnover and credit score cut-offs. Our NBFC partners typically work with shorter business history, more flexible turnover requirements and a wider credit score band, while assessing your actual cash flow and repayment behaviour more closely.
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