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Business Loan

Working capital, equipment purchase, business expansion or cash flow management — DealGini connects SMEs and MSMEs with 21 lenders to find the right business loan, fast.

Loan Amount ₹2 Lakh – ₹5 Crore
Repayment Tenure 12 – 60 months
Processing Fee 1% – 3%
Typical Turnaround 3–7 working days
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Loan Details

Everything you need to know
before you apply.

Key Figures
Loan Amount₹2 Lakh – ₹5 Crore
Repayment Tenure12 – 60 months
Processing Fee1% – 3%
Typical Turnaround3–7 working days
Principal Lenders21 Banks & NBFCs
Interest RateDiscussed at consultation
Loan Types Covered
Working Capital Loan Term Loan MSME / SME Loan Machinery & Equipment Finance Business Expansion Loan Overdraft / CC Facility
Who Can Apply

Eligibility criteria.

These are general guidelines. DealGini works with multiple lenders — if you don't meet one lender's criteria, we find another that fits your profile.

Age
21–65 years (proprietor / director)
Business Vintage
Minimum 2 years in operation with active financials
Applicant Type
Proprietorship, Partnership, Private Ltd, LLP
Turnover
Minimum ₹20 Lakh annual turnover (varies by lender and product)
Credit Score
700+ preferred; strong business financials can offset lower score
Compliance
GST registration, ITR filing and bank account in business name
What to Prepare

Documents checklist.

Keep these ready before applying. Our team will guide you on exactly which documents are needed.

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Identity Proof
Aadhaar + PAN of proprietor / all directors / partners
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Business Proof
GST certificate + Trade licence / Company registration
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Income Proof
ITR last 2–3 years + audited P&L and Balance Sheet
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Bank Statements
Business current account statements — last 12 months
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Address Proof
Business address proof — utility bill or rent agreement
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Additional
Existing loan sanction letters (if any outstanding loans)
EMI Calculator

Estimate your monthly payment.

This is an indicative calculation only. Actual EMI depends on the lender's interest rate and your profile.

Loan Amount ₹10,00,000
Interest Rate (% p.a.) 12%
Tenure 36 months
Estimated Monthly EMI
₹33,214
₹10,00,000
Principal
₹1,95,704
Total Interest
₹11,95,704
Total Payable

* Indicative only. Contact DealGini for a precise quote tailored to your profile.

Apply Now

Get started in
3 minutes.

Fill the form and our team will call you within 2 business hours. We'll assess your profile, suggest the best lender and guide you through the entire process — at no cost to you.

Apply for Business Loan
Free consultation. No commitment required.

Your information is kept confidential. We never share your details without your consent.

Common Questions

Frequently asked
questions.

Do I need collateral for a business loan?+
Not always. Many lenders offer unsecured business loans up to ₹50 Lakh–1 Crore based on financials and credit score. For larger amounts, collateral or a guarantor may be required.
Can a new business (less than 2 years old) get a loan?+
It is difficult for most lenders. Some NBFCs consider new businesses with strong promoter profiles and documented orders or contracts. DealGini will assess your options honestly.
What is the difference between a working capital loan and a term loan?+
A working capital loan covers day-to-day operational expenses and is usually short-term. A term loan is for longer-term investment like equipment or expansion, repaid in fixed EMIs.
How does DealGini help MSMEs specifically?+
We know which lenders are MSME-friendly, what documentation they need and how to present your case. Many MSMEs get rejected simply due to poor file preparation — we fix that.
Can I get a business loan if I have an existing loan?+
Yes, subject to your FOIR (Fixed Obligation to Income Ratio). Lenders assess your total repayment capacity. DealGini will calculate this before applying to avoid unnecessary rejections.
Also Available

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