Why choose a Business Loan

3 unique variants

Pick the type of loan that works best for you: Term Loan, Flexi Term Loan, or Flexi Hybrid Loan.

No part prepayment charge on Flexi variants

With our Flexi Term Loan and Flexi Hybrid Loan, you can pay back part of your loan early at no extra cost.

Loan of up to Rs. 55 lakh

Get funds up to Rs. 55 lakh to pay for planned and unplanned business expenses.

Convenient tenures of up to 96 months

You can easily manage your repayment with tenures spanning from 12 to 96 months.

Money in your account in 48 hours

Your loan amount is transferred to your bank account within 48 hours* or, in some cases, on the same day you were approved.

No hidden charges

All fees and costs are detailed on this page and in the loan agreement. We recommend that you read these carefully.

No collateral needed

You do not have to provide assets as collateral to get this loan.

End-to-end online application process

You can apply for our business loan wherever and whenever is convenient for you, even on the go.

Business Loan FAQs

What is a business loan, and how much can one borrow?

A business loan is a form of financing that can help you pay for your business's planned and unplanned costs. It is a type of loan that does not require collateral, so you can get one even if you do not have any. You can get a business loan of up to Rs. 55 lakh from Bajaj Finance if you meet the easy eligibility criteria. The loan amount can be in your bank account within 48 hours* after your application is approved. *Terms and Conditions apply

Who can apply for a business loan?

You can apply for a Bajaj Finserv Business Loan as a proprietary concern, a partnership firm, a private limited company, a self-employed professional, or a self-employed non-professional. All applicants must meet the eligibility requirements and send in the right paperwork for the loan to be approved.

What is the minimum CIBIL Score required for a business loan?

Bajaj Finance considers a CIBIL Score of 685 or higher to be a healthy credit score. In addition to a healthy business turnover, keeping all your documentation in order also enhances your profile.

What can I use a business loan for?

You can use a business loan to cover both planned and unplanned costs for your business. Its uses include renting a bigger office space or fixing up your own workspace. You may buy, rent, fix, or upgrade old equipment to make things run more smoothly and more efficiently. A business loan can also be used to stock up on inventory, buy raw materials in large quantities, or grow your business.

How can I apply for a business loan?

Applying for a business loan from Bajaj Finance is easy. Start by clicking on the ‘Apply’ button on this page and open the online application form. Enter your basic details and verify your profile with the OTP that is sent to your phone. Share the basic details of your business and gather your business documents. A representative from Bajaj Finance will contact you with the next steps. Once your loan application is approved, you can get money in your account within 48 hours*. *Terms and Conditions apply

What is the minimum business turnover required to qualify for a business loan?

You must own a business that has been operational for at least 3 years. You should also have filed your income tax returns for at least one year.

Can I get loan without collateral?

Yes, with Bajaj Finserv Business Loan, you can get loan of up to Rs. 55 lakh without any collateral. You just need to meet our eligibility criteria, fill in the application form and submit the required documents. Once approved your loan amount can be credited into your account in just 48 hours*.

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