Interest Rates Starting 11.5%
Power Your Business Growth with INDCred Business Loans
INDCred Business Loans are designed to fuel your entrepreneurial dreams and support business expansion. Whether you need working capital, want to purchase equipment, expand to new locations, or meet seasonal demands, we offer flexible financing solutions tailored for MSMEs, startups, and established businesses.
With loan amounts up to ₹5 crores, competitive interest rates starting at 11.5% p.a., and flexible repayment tenures up to 7 years, we provide the financial muscle your business needs to scale. Our dedicated business banking team ensures quick processing and minimal documentation.
Types of Business Loans
Working Capital Loan
Meet day-to-day operational expenses, manage inventory, and handle cash flow gaps.
- Loan: Up to ₹2 Crores
- Tenure: 1-3 Years
- Interest: 11.5% - 14%
Business Expansion Loan
Fund new branches, product lines, market expansion, and business diversification.
- Loan: Up to ₹5 Crores
- Tenure: 3-7 Years
- Interest: 12% - 15%
Equipment Financing
Purchase machinery, vehicles, technology, or upgrade existing equipment.
- Loan: Up to ₹1.5 Crores
- Tenure: 2-5 Years
- Interest: 12% - 14.5%
Commercial Property Loan
Buy, construct, or renovate commercial spaces, offices, or warehouses.
- Loan: Up to ₹5 Crores
- Tenure: 5-15 Years
- Interest: 11.5% - 13.5%
Key Features & Benefits
Why Choose INDCred Business Loan?
- High Loan Amount: Up to ₹5 crores for qualified businesses
- Flexible Options: Collateral and non-collateral loans available
- Quick Processing: Loan approval within 72 hours
- Tailored Solutions: Customized based on business needs
- Competitive Rates: Interest rates starting at 11.5% p.a.
- Online Account Access: 24/7 dashboard for loan management
- Business Advisory: Free consultation with financial experts
- Top-up Facility: Additional funds on existing loans
Eligibility Criteria
MSME/SME
- Business Vintage: 3+ years
- Annual Turnover: ₹20L+
- Profitability: Last 2 years
- ITR Filed: Last 3 years
Startups
- Registered: 1+ year
- Revenue: ₹10L+ annual
- Promoter Experience: 5+ years
- Business Plan: Required
Corporates
- Business Vintage: 5+ years
- Annual Turnover: ₹1Cr+
- Profitability: Consistent
- Audited Financials: Required
Simple Application Process
step 01
Application & Business Assessment
Submit online application with business details, financials, and loan requirement.
step 02
Document Verification & Due Diligence
Upload business documents, financial statements, and KYC for verification.
step 03
Approval & Funds Disbursal
Get loan approval within 72 hours and receive funds in your business account.
Frequently Asked Questions
We offer business loans up to ₹5 crores for eligible businesses. The actual amount depends on your business turnover, financial health, credit score, and collateral offered.
We offer both collateral-based and collateral-free business loans. For loans above ₹50 lakhs, collateral is generally required. Startups and small businesses may qualify for unsecured loans based on business performance.
Business registration documents, PAN of business & promoters, financial statements (P&L, balance sheet), bank statements (12 months), ITR last 3 years, KYC documents of promoters, and business address proof.
For complete documentation, we provide in-principle approval within 24 hours and final approval within 72 hours. Funds are disbursed within 7 working days after approval.
Yes, we provide startup business loans for businesses registered for at least 1 year. We consider factors like promoter experience, business plan, revenue projections, and industry potential.
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