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Apply for Business Loan upto ₹35 Lakhs
Lendingkart offers collateral-free business loans ranging from ₹50,000 to ₹35 Lakhs, ensuring that businesses of all sizes can access the funds they need. With a simple online application process and quick disbursal within 72 hours, provides tailored financial solutions to help your business thrive.
Lendingkart Business Loan Features
Flexible Loan Amounts
Get financing from ₹50,000 to
₹35 Lakhs.
Quick Approvals
Same-day loan approvals with a
simple online process.
No Collateral Required
100% unsecured loans.
Custom Repayment Options
Tenure from 1 to 36 months for
financial flexibility.
Fast Disbursal
Funds transferred within 3 days of
approval.
Competitive Interest Rates
Starting from 1.25% per month,
based on financial evaluation.
Eligibility Criteria for Business Loans
Operational Business
Get financing from ₹50,000 to ₹35
Lakhs.
Revenue Requirement
Applicants must have a minimum turnover of ₹75,000 in the three months preceding the loan application.
Location & Business Type
Contact for eligibility confirmation
if unsureabout restricted categories
or locations
Exclusions
Cannot be on the blacklisted/excluded list for SBA finance or located in a negatively listed location.
For more detailed information check online business loan eligibility criteria
Required Documents for Business Loans
Business Documents
Bank statement (last 12 months), registration proof, company PAN card
Ownership Proof
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Registration Proof Options
GST filing, Gumastadhara, trade license, drug license, TIN, VAT registration, etc.
Business Loan EMI Calaculator
Understanding Business Loan Interest Rates & Charges
| Customized Interest Rates | Starting from 1.25% per month |
| Processing Fees | 2% – 5% of the loan amount |
| Loan Tenure | Up to 36 months |
| Pre-Closure Charges | Allowed after the first EMI is paid, as per policy |
| Installment Frequency | Flexible monthly or bi-weekly repayments |
| Late Payment Charges | ₹300 per overdue EMI + 0.1% per day on outstanding dues |
*Based on the health of your business, revenues and annual turnover
**Pre-closures are only allowed after the first EMI is paid in full
Explore Lendingkart’s business loan interest rates as low as 13.5% annually.
How to apply for Business Loan Online
Submit Online Application
Bank statement (last 12 months), registration proof, company PAN card
Upload Required Documents
PAN, Aadhaar, bank statements, and business proof.
Loan Assessment & Approval
Evaluation & offer within 24 hours.
Sign Agreement & Submit KYC
Digital verification for fast processing.
Funds Disbursed
Loan amount transferred within 3 days
Do’s & Don’ts for a Business Loan
| Do's | Don'ts |
|---|---|
| Evaluate Options – Compare loans, assess alternatives, and plan repayment. | Avoid Over-Borrowing – High EMIs can strain cash flow. |
| Use Funds Wisely – Invest in business growth, working capital, or expansion. | No Impulse Spending – Avoid using loans for personal or non-business expenses. |
| Consider Renewal – Opt for lenders like Lendingkart offering renewal options. | Reconsider Unnecessary Loans – Borrow only if it directly benefits business growth. |
| Seek Expert Advice – Consult financial planners to optimize fund utilization. | Starting from 1.25% per month |
Business Loan FAQ’s
We do not take any additional penalty for a loan foreclosure and there are no hidden payments and charges with our business loans.
– Applicants must have a minimum turnover of ₹75,000 in the three months preceding the loan application.
– A minimum CIBIL score of 650 is essential for loan approval.
E = P × r × (1 + r)n / ((1 + r)n – 1)
Where, ‘E’ is the EMI, ‘P’ represents the loan amount availed, ‘r’ represents the monthly interest rate, and ‘n’ is the duration of the loan.
I hereby confirm that I have read, understood and agree to the mentioned T&C, Terms Of Use and Privacy Policy and receive communication via SMS, E-mail, and Whatsapp. I hereby authorise Lendingkart Finance Limited (LFL), its affiliate(s) and lending partners to make inquiries with credit bureaus, inter-alia for the purpose of credit underwriting. I authorise LFL, its affiliate(s) and lending partners, to view, save, download and store CKYCR records and further authorise LFL to share this information with its affiliate(s) and lending partners.
NOTE: No processing fees are being charged by Lendingkart before disbursement of the loan amount. Any individual claiming otherwise must not be entertained. Please report such activity on 1800-572-0202 or email us at care@lendingkart.com
Cybersecurity notice: There have been some attempts by third parties to defraud potential customers through the unlawful creation of websites/mobile applications and use of social media. The activity includes third parties falsely offering investment in products/schemes purportedly managed by Lendingkart to solicit payments from potential customers. For further information regarding fraud and phishing, including how to report any related concerns you may have, please click here.
Website of Lendingkart Finance Limited can be accessed by clicking the following link here
For FinTech/ digital lending related complaints: Write us at care@lendingkart.com or call us at 1800-572-0202. In case the complaint is not resolved within the given time or customer is not satisfied with the solution, the customer can approach the Grievance Redressal Officer:
Name: Ms. Ajitha K
Contact Number: +91- 6358874622 – 10.30 am to 6.00 pm (Monday to Friday except National Holidays)
Email ID: grievance.redressal@lendingkart.com
Personal Loans: Lendingkart Finance Limited offers Personal Loans under the brand name of “Upwards”.
