Fuel Your Business Growth with Fast, Flexible Funding
Get business loans from ₹5 lakh to ₹50 crore with preliminary approval in just 24 hours. Choose from term loans, working capital, equipment finance, line of credit and invoice discounting options designed for MSMEs and established businesses.
What is a Business Loan?
A business loan is flexible financing designed to help your business grow, manage operations, and seize opportunities. Available from ₹5 lakh to ₹50 crore with multiple loan structures, competitive interest rates, and options for both secured and unsecured funding.
Why Choose a Business Loan?
✓ Large Loan Amounts
Borrow from ₹5 lakh up to ₹50 crore based on your business needs
⚡ 24-Hour Approval
Preliminary approval within 24 hours with fast fund disbursal
💰 Competitive Rates
Interest rates from 8-16% p.a. depending on security type
🏢 Multiple Options
Choose from term loans, working capital, equipment finance, and more
Types of Business Loans We Offer
For expansion, equipment, and growth investments
To manage daily operations and cash flow
For machinery and equipment purchases
Flexible credit for recurring business needs
Quick cash against pending invoices
Common Business Loan Uses
New branches, locations, capacity
Daily operations, inventory, payroll
Machinery, vehicles, technology
Combine existing debts, lower rates
For 2+ year old registered businesses
R&D, marketing, production setup
Eligibility Checklist
✓ Business Age
Your business should be registered and operational for minimum 2 years
✓ GST Registration
Valid GST registration (if applicable) showing regular business operations
✓ Turnover
Minimum annual turnover requirements vary by lender and loan amount
✓ Credit Profile
Fair credit history with prompt payment of existing obligations
Documents You'll Need
📄 Business Registration
- GST Certificate/Registration
- Business Registration Certificate
- Partnership Deed (if applicable)
- Articles of Association
💼 Financial Documents
- 2 years ITR (Income Tax Returns)
- Latest profit & loss statement
- Balance sheet
- Bank statements (6-12 months)
🆔 Owner Documents
- PAN Card of all partners
- Aadhar Card
- Passport/Voter ID
- Address proof
🏢 Collateral Documents
- Property documents (if securing)
- Equipment valuation report
- Insurance documents
- Title deeds
Our Business Loan Advantage
Business Loans Funded Last Year across MSME and enterprise segment
Partner Lenders to match your specific business needs and profile
Flexible Loan Amounts tailored to business requirements
Business Loan Application Process
Apply Online
Submit your basic business details, loan requirement, and ownership information through our online form. Takes just 5 minutes.
24-Hour Preliminary Approval
Our team reviews your profile and provides preliminary approval. You'll receive a call from our consultant with loan options and indicative interest rates.
Document Submission
Submit required documents (business registration, tax returns, bank statements, property docs if needed). We guide you through every step and follow up with the lender.
Lender Verification
The selected lender verifies documents and conducts any required site visits or valuation assessments for the business or collateral.
Approval & Disbursal
Once approved, sign the agreement and funds are disbursed directly to your business account. Process typically completes in 7-15 days from approval.
Frequently Asked Questions
What is the minimum loan amount?
The minimum business loan amount is ₹5 lakh. We work with 40+ lenders to find options matching your exact requirement.
How quickly will I get the loan?
Preliminary approval comes within 24 hours. Final approval and fund disbursal typically takes 7-15 days from approval, depending on your documents and lender.
Can startups get business loans?
Your business must be GST registered and operational for at least 2 years. Early-stage startups (less than 2 years) may have limited options, but we can explore alternatives.
Are business loans secured or unsecured?
We offer both options. Secured loans (8-12% interest) require collateral like property or equipment. Unsecured loans (12-16%) don't require collateral but have stricter eligibility.
What documents do I need?
Primarily: GST certificate, 2 years tax returns, recent bank statements, business registration, and owner ID/PAN. Collateral documents needed for secured loans.
Can I prepay the loan?
Most lenders allow prepayment with minimal or no penalty. Full details will be provided in the loan agreement. Ask the lender about prepayment terms before finalizing.
What's the maximum loan tenure?
Loan tenure varies by type and lender, typically ranging from 1-7 years. Working capital loans are usually shorter (1-2 years) while equipment loans extend longer.
Why choose Shubhbank for business loans?
Access to 40+ lenders, ₹200+ crore funded last year, 24-hour preliminary approval, expert guidance on documentation, and support throughout the application process.
What if I have a poor credit score?
While lower credit scores limit options, we work with lenders who focus on business performance and cash flow. Secured loans and guarantors can improve approval chances.
Can I access a line of credit instead?
Absolutely. Line of credit provides flexible recurring access to funds. You pay interest only on the amount used, making it ideal for working capital and unexpected needs.
How do you match me with the right lender?
Based on your business type, loan requirement, profile, and collateral availability, we identify the most suitable lenders from our network of 40+ banks and NBFCs.
What if I have additional queries about my application?
Our business loan experts are available to answer questions at every step. We provide dedicated support coordination and regular status updates throughout your application journey.
Need help finding the right loan?
Share your details and our team will assist you with suitable loan options from our lending partners.