Trusted by SMEs

Business Loan

Get quick & convenient business loan solutions to meet your urgent requirements & fulfill all your business goals.

Compliant & Secure Lending

Instant Eligibility

Check Your Loan Eligibility in Just 10 minutes!

  • Attractive interest rates
  • Unsecured Loan upto 1 Crore
  • Approval within 48 Hours
Check Eligibility Now!

Ready to Apply? Here's What You'll Need

Eligibility Criteria

MINIMUM TURNOVER

₹1 crores

YEARS OF OPERATION

1+ years

Private Limited Sole Proprietorship Partnership

Documentation

  • Business: GSTIN Registration, Udyam Registration
  • KYC: PAN Card, Aadhaar Card Redacted
  • Financials: 12 months Bank Statements, 12 months GST returns

Terms

  • Interest Rates Starts from 12% p.a.
  • Processing Fees Starts from 1% p.a.
  • Tenure Upto 48 months Other terms and conditions as per lender

Business Loan Benefits

Collateral-free

Unsecured business loans do not require land, property, or any other physical business collateral to get started.

Low cost credit

Benefit from highly competitive interest rates that lower your overall cost of borrowing compared to traditional options.

100% digitized process

Experience a completely paperless, fast, and hassle-free online application process from start to finish.

Flexible repayment options

Align your loan repayment with your business cash flow using highly flexible and customized EMI schedules.

Instant disbursement

Receive your funds directly into your bank account within 24 to 48 hours after final sanctioning.

Why SMESAATHI?

SMESAATHI provides new-age customized financing products for your business needs

No collateral required
Minimum Paperwork
Attractive interest rate
Flexible repayment tenure
Approval within 48 hours
Nominal processing-fee
Easy EMI options

Frequently Asked Questions

Yes. We assess your overall repayment capacity and current cash flow. If your business financials can comfortably support an additional EMI, you can qualify for another business loan.
A strong business and personal credit score improves your chances of approval and helps secure the best interest rates. However, we also heavily weigh your business vintage, turnover, and cash flow consistency.
Tenure is customized based on your loan amount, business cash flows, and end-use of funds. We offer flexible repayment periods generally ranging from 12 to 48 months to ensure EMIs remain comfortable for your business.
Yes, businesses with vintage more than 1 year and turnover more than 1 crore can apply for a business loan.
Lenders charge a one-time processing fee starting from 1% of the sanctioned amount. There are absolutely no hidden charges; all fees, penal rates, and terms are clearly stated upfront in your loan agreement.
Defaulting on an EMI can negatively impact your business credit score (CIBIL), making future borrowing difficult. It also attracts penal interest (e.g., 2% per month) and check bounce charges. If you foresee a cash flow issue, we highly recommend contacting your relationship manager early.
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