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Business Loan
Business Loan
Fuel your business growth with a Business Loan from Laxmi India Finance Ltd. (LIFC). Whether you need funds for expansion, inventory purchase, equipment upgrades, or working capital, our hassle-free business loan offers quick approvals, minimal paperwork, and flexible repayment options.
Our loan is designed for small business owners, entrepreneurs, and self-employed professionals who require financial support to scale their businesses.
Features & Benefits
High Loan Amount:
Avail loans up to ₹10 lakh based on business requirements.
Collateral-Free Loan:
No need to pledge assets for loans up to a certain limit.
Flexible Repayment Options:
Loan tenure ranging from 12 to 36 months.
Competitive Interest Rates:
Affordable EMI options to ease financial burden.
Quick Loan Disbursement:
Fast approval process with minimal documentation.
Working Capital Financing:
Meet daily business expenses with ease.
Expansion & Equipment Financing:
Invest in growth, infrastructure, and new technology.
Balance Transfer Facility:
Lower interest rates on existing business loans.
Top-Up Loan Options:
Additional funds for existing business loan borrowers.
Eligibility
To apply for a Business Loan, the following criteria must be met:
Age
- Self-employed individuals: 21 – 65 years (at loan maturity).
- Business entities: Should be operational for at least 2 years.
Employment Type
- Entrepreneurs, business owners, retailers, traders, manufacturers, and service providers.
Minimum Business Turnover
- Annual turnover should meet the required threshold based on loan amount.
Profitability
- Businesses should be profitable for the last 2 years.
Credit Score
- A minimum CIBIL score of 650+ is preferred.
Documents Required
Identity Proof
Aadhaar Card / PAN Card / Passport / Voter ID
Address Proof:
Aadhaar Card / Utility Bill / Rent Agreement
Business Proof
GST registration certificate / Business license / Shop Act license
Income Proof
Last 2 years’ Income Tax Returns (ITR), 6 months’ bank statements, Profit & Loss Statement and Balance Sheet (if applicable)
Loan Requirement Documents
Loan application form & business plan (if required)
Photographs
2 passport-size photos
Vehicle Loan Calculator
Use our Vehicle Loan Calculator to estimate your monthly installments based on:
Total Amount Payable:
₹15,85,809
Total Interest Payable:
₹5,85,809
Business Loan FAQ
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Frequently Asked Questions
Self-employed professionals, entrepreneurs, small business owners, and MSMEs.
Customer Support:
Email: