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Apply For Business Loan

What is a Business Loan?

Running a business comes with big dreams and bigger needs. A business loan is your partner to manage cash flow, buy equipment, expand, or even start fresh. Easy, flexible, and fast – it gives your business the wings to grow without worries.

Types of Business Loans
  • Startup Loan: Kickstart your new business idea with the right funding.
  • Working Capital Loan: Manage daily expenses and cash flow with ease.
  • Equipment Financing: Buy or upgrade machinery and tools without stress.
  • Business Expansion Loan: Scale up, open new branches, or grow operations smoothly.
  • Invoice Financing: Get funds instantly by using your unpaid invoices.
  • Term Loan: Borrow a fixed amount and repay in easy installments.
Key Benefits
Flexible Loan Amount

Get funding tailored to your business needs – small or large.

Quick Approvals

Fast processing and minimal paperwork for urgent requirements.

Competitive Interest Rates

Affordable rates with flexible repayment options.

Flexible Tenure

Choose repayment schedules that match your business cash flow.

Business Loan Eligibility Criteria

The eligibility criteria for home loans vary across lenders but generally include the following factors:

Basic Eligibility
  • The applicant must have a minimum credit score of 650 or above.
  • The minimum age required to apply is 21 years.
  • The business must have been in continuous operation for at least 6 months.
Income Requirements
Employment Type Minimum Income
Salaried Individuals ₹25,000 per month
Self-Employed Professionals ₹3,00,000 per annum
Self-Employed Businessmen ₹4,00,000 per annum
How to Improve Eligibility
1
Maintain Good Credit Score

Pay all EMIs and credit card bills on time to maintain score above 750

2
Reduce Existing Debt

Lower your existing debt-to-income ratio by paying off other loans

3
Show Additional Income

Include all income sources like rent, investments, etc.

4
Add Co-applicant

Increase eligibility by adding earning family member as co-applicant

Documents Required for Business Loan

Personal Documents
  • Aadhaar Card
  • PAN Card
Business Identity Documents
  • GST Registration
  • Udyam Registration
Financial Documents
  • Last 1 year Savings Bank (SB) and Current Account Statements
  • Last 2 years ITR (Full Set)
  • Last 12 months GST R3B

Business Loan Features & Benefits

Startups & Existing Businesses

Loans available whether your business is just 6 months old or already established.

Turnover Flexibility

Eligible for funding even with a turnover of ₹30 lakhs or more.

No ITR or GST Needed

Get loans with just a basic business registration.

Time-Saving Process

No need to chase banks ,we do the hard work for you.

Non-Khata Businesses Eligible

Not in any Khata? You can still get a loan.

CIBIL-Friendly

Minor credit score issues? We can still get your loan approved.

Wide Industry Coverage

Gyms, restaurants, salons, real estate, shops & more – all eligible.

When Banks Say No

Even if multiple banks reject you, inRupi makes it happen.

Multiple Loans Possible

Already paying EMIs? Still eligible for another business loan.

Free Paperwork Assistance

We handle all documentation on your behalf, at no cost.

Frequently Asked Questions

With inRupi, you can get a loan even if your business is just 6 months old.

Not always. Even with just a basic business registration, loans can be arranged.

Businesses with a turnover of ₹30 lakhs or more are eligible for funding.

Yes, minor CIBIL issues are not a barrier – inRupi can still arrange your loan.

From gyms, restaurants, and salons to real estate and small shops – most businesses qualify.

Yes, you can still get another business loan alongside your existing ones.