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Business Loan
Business loans up to ₹5 Crore to grow your business in one place
Compare secured and unsecured offers from 65+ banks and NBFCs in one place. Fund working capital, expansion, equipment or inventory, and apply 100% online.
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Trusted by 65+ leading
financial partners
Trusted by 65+ leading
financial partnersHDFC BankICICI BankKotak Mahindra BankState Bank of IndiaIDFC FIRST BankHSBCFederal BankSouth Indian BankRBL Bank
financial partnersHDFC BankICICI BankKotak Mahindra BankState Bank of IndiaIDFC FIRST BankHSBCFederal BankSouth Indian BankRBL Bank
Business loan at a glance
No physical paperwork, no branch visits, no impact on your credit score. Fast end-to-end digital approval.
Loan amountUp to ₹5 Crore
Interest rateFrom 8.20% p.a.
Processing feeUp to 3% + GST
TenureUp to 120 months
DisbursalIn 48 hours*
65+
Lending partners
800+
Cities served
10,000+
Businesses funded
4.2
Customer rating
EMI Calculator
Plan your EMI before you borrow
₹1,00,000₹5,00,00,000
6 months120 months
8%30%
Your EMI calculation
Principal amount
₹10,00,000Total interest
₹2,30,395Monthly EMI
₹34,178
Total payable
₹12,30,395
Loan Types
Types of business loans
A business loan is credit for business needs, repaid in EMIs or as you use it. Pick the type that matches what you're funding.
Why PaisaOne
One application. Every lender worth considering.
Eligibility in minutes
Fill one short form and we match you with lenders whose criteria fit your business profile.
100% digital
PAN, Aadhaar, GST and bank verification online. No branch visits, no paperwork.
Secured or unsecured
Borrow without collateral up to ₹1 Crore, or pledge assets for up to ₹5 Crore at lower rates.
Costs shown upfront
Every offer shows rate, processing fee and EMI before you apply, so there are no surprises.
Faster paperwork
Share bank statements securely via Account Aggregator instead of uploading heavy PDFs.
Eligibility
Is your business eligible?
Age21 at application, up to 65 at maturity
Business vintage3 years or more in operation
Annual turnoverFrom ₹10 Lakh (varies by lender)
Minimum income₹1 Lakh per year
Credit score700 or above preferred
Entities that can apply
Sole proprietorshipPartnershipLLPPrivate LimitedPublic LimitedSelf-employed professionals
Documents
Documents required
PAN card (mandatory)
Identity proof of proprietor, partners, or directors
Aadhaar card
Linked to mobile for fast paperless e-KYC
Bank statements
Last 6–12 months, or link via Account Aggregator
Business registration & ITR
Udyam/GST certificate, 2 years ITR with computation
Exact list depends on the lender and loan type. Link your bank account via Account Aggregator to skip statement uploads.
How it works
Apply in 4 simple steps
- 1
Enter your mobile
Verify with OTP to start.
- 2
Add business details
PAN, business type, vintage and turnover.
- 3
Link your bank account
Give Account Aggregator consent to share statements securely.
- 4
Compare & apply
Pick the best offer; the lender verifies and disburses.
Rate and charges
Fees and charges at a glance
Charges vary by lender, loan type and your profile. Your lender's Key Fact Statement confirms them before you sign.
Fee typeApplicable charges
Interest rate8.20% – 25.00% p.a.
Processing feeUp to 3% of loan + GST
Annual Percentage Rate (APR)9.50% – 28.00%
Foreclosure chargesNil – 5% of outstanding
Part-prepaymentAs per lender policy
Penal charges (late EMI)24% p.a. (2% p.m.) on overdue amount
EMI bounce charge₹500 – ₹1,000 per instance
Stamp dutyAs per state laws
Representative example
Loan amount₹10,00,000
Interest rate14% p.a.
Tenure36 months
Processing fee (incl. GST)₹15,000 (1.5% + GST)
Monthly EMI₹34,178
APR15.2%
Total payable₹12,30,395
Approval timelines
2–7 working daysUnsecured loans
7–15 working daysSecured loans (includes property checks)
Timelines are indicative and depend on the lender and how quickly documents are verified.
The PaisaOne difference
PaisaOne vs applying to one lender
PaisaOneRecommended
65+ lenders, side by side
One digital form for all lenders
Rate, fees, EMI and APR in one view
Matched with lenders whose criteria fit you
100% online with Account Aggregator
Single lender directly
One lender's offer
Repeat paperwork for every bank
Compare manually across sites
Apply and wait for a single decision
Physical branch visits & paper stacks
Single lender directly
Offers you see
Application effort
Cost comparison
Matching
Process
PaisaOneRecommended
65+ lenders, side by side
One digital form for all lenders
Rate, fees, EMI and APR in one view
Matched with lenders whose criteria fit you
100% online with Account Aggregator
One lender's offer
Repeat paperwork for every bank
Compare manually across sites
Apply and wait for a single decision
Physical branch visits & paper stacks
Customer StoriesShowing review 1 of 4
Businesses that grew with PaisaOne
See how real Indian businesses secured working capital, equipment, and inventory financing through PaisaOne.
50,000+Happy Customers
4.8/5Average Rating
90%Would Recommend
4.9 Star Verified Reviews
Frequently Asked
Business loan questions, answered.
Find quick answers to common questions. Need help choosing a loan for your business? Talk to our team.
01How do I get a business loan through PaisaOne?
01How do I get a business loan through PaisaOne?
Enter your mobile number, share business details and link your bank account through Account Aggregator. You then see offers from matching lenders and apply to the one that suits you.
02What is the maximum business loan amount?
02What is the maximum business loan amount?
You can get an unsecured business loan up to ₹75 Lakh to ₹1 Crore, and secured business loans up to ₹5 Crore or more depending on your collateral value, annual turnover, and business vintage.
03What credit score do I need?
03What credit score do I need?
A credit score of 700 or higher is generally preferred by most banks and NBFCs for quick approval and lowest interest rates. However, select lenders consider applications with scores from 650+ based on cash flow and vintage.
04How long does approval take?
04How long does approval take?
Unsecured business loans can be approved in 24 to 48 hours and disbursed within 2 to 7 working days once verification is complete. Secured loans typically take 7 to 15 working days due to physical property valuation and legal checks.
05Can I get a business loan without collateral?
05Can I get a business loan without collateral?
Yes! We offer unsecured business loans up to ₹1 Crore where no property, gold, or business asset pledge is required. Approval is based on your business cash flow, GST returns, and banking history.
06What is the difference between secured and unsecured loans?
06What is the difference between secured and unsecured loans?
Secured loans require pledging an asset (like commercial/residential property or machinery) and offer higher loan amounts (up to ₹5 Cr+) at lower interest rates. Unsecured loans require zero collateral, have faster digital processing, but carry slightly higher interest rates.
07What can I use a business loan for?
07What can I use a business loan for?
You can use a business loan for working capital, buying raw materials or inventory, purchasing machinery/equipment, office expansion, hiring, GST/tax obligations, or marketing.
08Is PaisaOne a lender?
08Is PaisaOne a lender?
No, PaisaOne is an RBI-compliant digital financial marketplace and loan origination platform. We partner with 65+ leading RBI-regulated banks and NBFCs to help you compare and secure the best loan offers.
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