Unsecured Business Loan
Collateral-free business loans based on cash flow, GST turnover, and creditworthiness.
What is a Unsecured Business Loan?
Unsecured Business Loans require no mortgage or pledged asset. Sanctioned purely on the basis of your business turnover, GST filings, bank statement cash flows, and credit profile. These are ideal for growing businesses that lack hard collateral but have strong revenue streams.
Who is Eligible?
- GST-registered businesses with ₹25 L+ annual turnover
- Minimum 2 years in operation
- Credit score above 700 (CIBIL / Experian)
- Clean bank statement with regular credits
Key Benefits
- No collateral or mortgage required
- Loan amount up to ₹2 Crore
- Quick disbursal — often within 7–10 working days
- Minimal documentation
- Fixed or reducing interest rate options
Documents Required
Step-by-Step Process
Eligibility Check
We assess your GST turnover, bank credits, and credit score.
Lender Selection
We identify the best NBFC or bank offering the most competitive terms.
File Submission
Digital or physical file submitted to lender.
Credit Underwriting
Lender reviews cash flows and credit bureau data.
Disbursal
Loan amount credited to your business account.
Frequently Asked Questions
Can I get an unsecured business loan without collateral?
Yes — unsecured business loans up to ₹2 Crore are sanctioned purely on cash flow strength, GST turnover, and credit score, with no property mortgage or asset pledge required.
What credit score do I need for an unsecured business loan?
Most lenders require a personal credit score of 700+ and a business credit vintage of 2+ years. Higher scores get better interest rates and larger loan amounts.
How quickly can an unsecured business loan be disbursed?
Digital-first NBFCs disburse in 3–7 working days for complete files. Traditional banks take 10–15 working days but typically offer lower interest rates for the same amount.
Interested in a Unsecured Business Loan?
Tell us your requirement and we will assess your eligibility in 24 hours — for free.
Apply Now +91 97146 31847