Business Loan
Working capital and growth funding for MSMEs, traders and self-employed professionals — collateral-free options available.
Apply NowLoan Amount
₹1,00,000 – ₹50,00,000
Tenure
12 – 60 months
Interest Rate (APR)
16% p.a.
Processing Fee
Up to 2.5% of loan amount + GST
Collateral
Collateral-free options available*
Disbursal Time
2–5 working days after approval
*Subject to loan amount, business vintage and credit assessment. See our Interest Rate & Fees Policy for full details.
Eligibility Criteria
- • Business/self-employment vintage of at least 1–2 years
- • Proprietorship, partnership, LLP or private limited company
- • Minimum annual turnover as per credit policy
- • Credit score of 650 or above preferred
- • Valid business registration/GST (where applicable)
- • Active current/savings bank account
Documents Required
- • Identity Proof: PAN Card (individual and business), Aadhaar Card
- • Address Proof: Aadhaar Card, utility bill or rent agreement
- • Business Proof: Business registration certificate / GST certificate
- • Financials: Last 2 years' ITR and financial statements
- • Bank Statement: Last 6–12 months (current/savings account)
All documents are collected digitally during the application process — no physical paperwork or branch visit required.
What You Can Use a Business Loan For
Working Capital
Manage day-to-day operations, inventory and payroll during cash-flow gaps.
Business Expansion
Open a new outlet, add equipment or scale up production.
Inventory Purchase
Stock up for seasonal demand or bulk-buy at better rates.
Equipment & Machinery
Upgrade tools and machinery to boost efficiency.
Debt Consolidation
Combine multiple business debts into a single manageable EMI.
Marketing & Growth
Invest in marketing, technology or new hires to grow revenue.
Factors That Affect Your Loan Approval
Business Vintage
Businesses operating for 1–2+ years with steady revenue are viewed more favourably.
Turnover & Cash Flow
Consistent monthly turnover and healthy bank balances improve eligibility and loan amount.
Credit History
A clean repayment track record (business and personal) supports faster approval.
Existing Business Debt
Lower existing debt obligations relative to turnover improve your approval chances.
Representative Example
For a loan of ₹5,00,000 at an interest rate of 20% p.a. (APR) for a tenure of 36 months, with a processing fee of 2% + GST:
- • Monthly EMI: approx. ₹18,585
- • Total amount payable: approx. ₹6,69,060
- • Total interest + fees: approx. ₹1,69,060
This is an illustrative example only. Your actual rate, fees and EMI will depend on your credit profile and will be shared before loan acceptance. Use our EMI Calculator for a personalised estimate.
Business Loan FAQs
Most business loans through Adarsh Capital are collateral-free, subject to loan amount, business vintage and credit assessment.
Generally, a business vintage of at least 1–2 years is preferred. Newer businesses may still apply and will be assessed on a case-by-case basis.
Proprietorships, partnerships, LLPs and private limited companies can all apply, subject to valid registration documents.
Loan amount depends on your business turnover, cash flow, existing debt and credit profile, assessed as per the Company's credit policy.
Yes, prepayment is allowed as per your loan agreement. Applicable charges are disclosed in our Interest Rate & Fees Policy.