Business Loan
Fuel your business growth with flexible financing tailored to your cash flows.
- Interest Rate
- 10.5% p.a. onwards
- Loan Amount
- Up to ₹50 Cr
- Tenure
- Up to 7 years
- Approval
- Within 48 hrs
Whether you need working capital, machinery finance or funds for expansion, we compare business loan offers from 8+ banks and NBFCs against your financials and get you the best sanctionable rate. Collateral-free options are available for eligible MSMEs, and most files are approved within 48 hours.
Compare business loan offers
Same application, every lender compared. We negotiate on your behalf and route your file to the bank most likely to approve it at the best rate.
Showing 4 of 4 offers, best rate highlighted.
| Lender | Rate (p.a.) | Max amount | Tenure | Processing fee | Actions |
|---|---|---|---|---|---|
State Bank of India Best rate | 9.95% onwards9.95% – 16.30% p.a. | ₹10 Lakh – ₹50 Crore | 12 – 120 months | 0.50% – 1% of loan amount | |
HDFC Bank | 10.50% onwards10.50% – 21.00% p.a. | ₹10 Lakh – ₹40 Crore | 12 – 84 months | Up to 2% of loan amount | |
Axis Bank | 10.99% onwards10.99% – 21.00% p.a. | ₹50,000 – ₹35 Crore | 12 – 84 months | Up to 2% of loan amount | |
ICICI Bank | 11.15% onwards11.15% – 20.00% p.a. | ₹10 Lakh – ₹200 Crore | 12 – 60 months | Up to 2.5% of loan amount |
Rates, fees and eligibility are indicative, vary by applicant profile and lender policy, and are confirmed at the time of sanction. Vridhee Finsol is a distributor — sanction rests solely with the bank.
Features & benefits
- Collateral-free options for eligible MSMEs
- Flexible repayment tenure up to 7 years
- Overdraft and term-loan structures available
- Minimal documentation, digital-first processing
- No hidden charges — all fees disclosed upfront
- Top-up facility after 12 months of regular repayment
Eligibility
- Business vintage of at least 2 years
- Minimum annual turnover of ₹20 lakhs
- Credit score of 650 or above
- Valid business registration (GST / Udyam / Shop Act)
Documents required
- Business registration certificate and KYC of proprietor/directors
- Last 2 years' ITR with financial statements
- Last 6 months' bank statements (current account)
- GST returns for the last 12 months
- Business address proof
How it works
- 1
Apply online or on a call — 2 minutes
- 2
We compare offers across 8+ banks for your profile
- 3
Choose your best offer; we handle documentation
- 4
Sanction and disbursal — most files in 24–48 hours
Estimate your EMI
Monthly EMI
₹21,494
- Principal
- ₹10,00,000
- Total interest
- ₹2,89,634
- Total payable
- ₹12,89,634
Frequently asked questions
Can I get a business loan without collateral?
Yes. Unsecured business loans up to ₹75 lakhs are available for businesses with strong financials, and CGTMSE-backed loans up to ₹10 crores need no collateral at all. We assess your profile and route you to the right product.
My credit score is below 650. Can you still help?
Often, yes. Some NBFC partners lend on banking turnover and GST data rather than score alone, at slightly higher rates. We can also plan a 3–6 month score-repair path before applying with a mainstream bank.
Term loan or overdraft — which should I take?
A term loan suits one-time needs like machinery or renovation; an overdraft suits fluctuating working capital because you pay interest only on the amount used. Many clients combine both, and we structure the mix for you.
What processing fees apply?
Banks typically charge 1–2% of the sanctioned amount plus GST. The exact fee is shown to you in the sanction letter before you accept — Vridhee charges you nothing for advisory.