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Fuel Your Business Growth

Business loans starting at 10.99%* p.a. with flexible terms tailored for entrepreneurs

Up to ₹5 Crore
24-Hour Approval
Minimal Documentation
Get Business Loan Check Eligibility

Business Loan Products

Choose from our wide range of business financing solutions tailored to meet your needs

Working Capital Loan

Loan Amount: ₹5 Lakhs - ₹2 Crore

Interest Rate: Starting from 12% p.a.

Tenure: 12-60 months

Key Features:

  • Quick Disbursement
  • Flexible Repayment
  • Minimal Documentation
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Equipment Financing

Loan Amount: ₹10 Lakhs - ₹5 Crore

Interest Rate: Starting from 11% p.a.

Tenure: 12-84 months

Key Features:

  • 100% Funding
  • Tax Benefits
  • Customized EMI
Enquire on WhatsApp

Business Expansion Loan

Loan Amount: ₹25 Lakhs - ₹10 Crore

Interest Rate: Starting from 10.5% p.a.

Tenure: 12-120 months

Key Features:

  • High Loan Amount
  • Competitive Rates
  • Quick Processing
Enquire on WhatsApp

MSME Business Loan

Loan Amount: ₹2 Lakhs - ₹50 Lakhs

Interest Rate: Starting from 11.5% p.a.

Tenure: 12-48 months

Key Features:

  • Government Backed
  • Low Interest
  • Minimal Collateral
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Merchant Cash Advance

Loan Amount: ₹1 Lakh - ₹50 Lakhs

Interest Rate: Starting from 14% p.a.

Tenure: 6-18 months

Key Features:

  • No Fixed EMI
  • Daily Repayment
  • Quick Approval
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Term Loan

Loan Amount: ₹10 Lakhs - ₹5 Crore

Interest Rate: Starting from 11.75% p.a.

Tenure: 12-180 months

Key Features:

  • Asset Creation
  • Long Tenure
  • Flexible Terms
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Startup Business Loan

Loan Amount: ₹5 Lakhs - ₹2 Crore

Interest Rate: Starting from 13% p.a.

Tenure: 12-60 months

Key Features:

  • No Business History
  • Collateral Free
  • Quick Processing
Enquire on WhatsApp

Business Property Loan

Loan Amount: ₹50 Lakhs - ₹15 Crore

Interest Rate: Starting from 9.5% p.a.

Tenure: 60-180 months

Key Features:

  • Lower Interest
  • High Amount
  • Property Backed
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Invoice Financing

Loan Amount: ₹2 Lakhs - ₹1 Crore

Interest Rate: Starting from 12.5% p.a.

Tenure: 30-120 days

Key Features:

  • Quick Cash Flow
  • Invoice Based
  • No Collateral
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Project Financing

Loan Amount: ₹50 Lakhs - ₹25 Crore

Interest Rate: Starting from 11% p.a.

Tenure: 12-120 months

Key Features:

  • Project Based
  • Customized Structure
  • Expert Support
Enquire on WhatsApp

Machinery Loan

Loan Amount: ₹10 Lakhs - ₹3 Crore

Interest Rate: Starting from 10.75% p.a.

Tenure: 12-72 months

Key Features:

  • Asset Backed
  • Quick Processing
  • Flexible Terms
Enquire on WhatsApp

Unsecured Business Loan

Loan Amount: ₹5 Lakhs - ₹75 Lakhs

Interest Rate: Starting from 14% p.a.

Tenure: 12-48 months

Key Features:

  • No Collateral
  • Quick Approval
  • Flexible Usage
Enquire on WhatsApp

Business Line of Credit

Loan Amount: ₹5 Lakhs - ₹1 Crore

Interest Rate: Starting from 13% p.a.

Tenure: 12-36 months

Key Features:

  • Revolving Credit
  • Pay as You Use
  • Quick Access
Enquire on WhatsApp

Franchise Financing

Loan Amount: ₹20 Lakhs - ₹2 Crore

Interest Rate: Starting from 12.5% p.a.

Tenure: 12-84 months

Key Features:

  • Brand Support
  • Quick Setup
  • Flexible Terms
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Construction Finance

Loan Amount: ₹50 Lakhs - ₹10 Crore

Interest Rate: Starting from 11.5% p.a.

Tenure: 12-60 months

Key Features:

  • Project Linked
  • Stage Funding
  • Expert Support
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Healthcare Business Loan

Loan Amount: ₹10 Lakhs - ₹5 Crore

Interest Rate: Starting from 11% p.a.

Tenure: 12-84 months

Key Features:

  • Equipment Finance
  • Clinic Setup
  • Professional Terms
Enquire on WhatsApp
Business Loan Interest Rates & Guidelines | Unique Finance

Business Loan Interest Rates & Guidelines

Current Interest Rates

Loan Type Interest Rate (p.a.) Processing Fee Loan Amount
Unsecured Business Loan 14.00% - 24.00% 1.5% - 2.5% ₹5 Lakhs - ₹75 Lakhs
Secured Business Loan 10.50% - 16.00% 1% - 2% ₹25 Lakhs - ₹10 Crore
Working Capital Loan 12.00% - 18.00% 1% - 2% ₹5 Lakhs - ₹2 Crore
MSME Business Loan 11.50% - 15.00% 0.5% - 1.5% ₹2 Lakhs - ₹50 Lakhs

Do's

  • Maintain a good credit score (preferably above 750)
  • Keep business & personal accounts separate
  • Prepare detailed business plan & financial projections
  • Keep all business documents updated & organized
  • Compare multiple lenders before finalizing
  • Read all terms & conditions carefully
  • Maintain proper books of accounts
  • File tax returns regularly & on time

Don'ts

  • Don't apply for multiple loans simultaneously
  • Don't mix personal & business expenses
  • Don't ignore the fine print in loan agreement
  • Don't delay or default on EMI payments
  • Don't provide false information in application
  • Don't overlook processing fees & charges
  • Don't ignore market research for your business
  • Don't over-leverage your business

Eligibility Criteria

Basic Requirements

  • Age: 21-65 years
  • Business Age: Minimum 2 years
  • Annual Turnover: ₹10 Lakhs+
  • ITR: Last 2 years

Documents Required

  • KYC Documents
  • Bank Statements (12 months)
  • Business Registration Proof
  • GST Returns (if applicable)
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What Our Clients Say

Getting a business loan from Unique Finance was a seamless experience. The quick processing and competitive interest rates helped me expand my electronics store.

R

Rajesh Kumar

Kumar Electronics

Mumbai

Working Capital Loan

The team was very supportive throughout the process. I got my business expansion loan approved within a week. Highly recommended!

P

Priya Singh

Fashion Boutique

Delhi

Business Expansion Loan

Excellent service and professional team. The MSME loan helped me modernize my restaurant kitchen and expand seating capacity.

M

Mohammed Ali

Al-Fresh Restaurant

Bangalore

MSME Loan

The healthcare business loan helped me set up my diagnostic center. The terms were transparent and the process was hassle-free.

A

Anita Patel

Healthcare Solutions

Ahmedabad

Healthcare Business Loan

Got my startup loan approved quickly. The team understood my business model and provided valuable guidance throughout.

S

Suresh Reddy

Tech Solutions Inc

Hyderabad

Startup Business Loan
Business Loan FAQs - Your Complete Guide | Unique Finance

Frequently Asked Questions

Find answers to common questions about our business loans

To be eligible for a business loan, you need: Minimum 2 years of business operation, Annual turnover of ₹10 Lakhs or more, Age between 21-65 years, and a good credit score (preferably above 750). Additional criteria may apply based on the loan type.

Required documents include: KYC documents (Aadhaar, PAN, etc.), Last 6 months' bank statements, 2 years' ITR and financial statements, Business registration proof (GST, Shop Act, etc.), Business address proof, and Partnership deed/MOA/AOA if applicable.

Typically, business loans are processed within 7-10 working days after complete document submission. For existing customers with good credit history, the process might be faster. Complex cases might take up to 15-20 days.

The maximum loan amount depends on factors like your business turnover, credit score, and type of loan. Secured business loans can go up to ₹10 Crore, while unsecured loans typically range from ₹5 Lakhs to ₹75 Lakhs.

It depends on the loan type and amount. Unsecured business loans up to ₹75 Lakhs don't require collateral. However, for higher amounts or better interest rates, secured loans with collateral are recommended.

Interest rates vary from 10.50% to 24% p.a. based on factors like loan type, amount, tenure, and your credit profile. Secured loans typically have lower interest rates compared to unsecured loans.

Yes, we offer startup business loans for new businesses. However, these might have different eligibility criteria and usually require a detailed business plan, higher interest rates, and might have lower loan limits.

Business loan tenure varies by type: Working capital loans: 12-60 months, Term loans: up to 180 months, Equipment financing: 12-84 months. The exact tenure depends on the loan amount and type.

Yes, you can prepay your business loan. However, there might be a prepayment penalty of 2-4% on the outstanding amount. Some loan types might have a lock-in period before prepayment is allowed.

Business loan EMI is calculated based on the principal amount, interest rate, and tenure. You can use our EMI calculator to get an estimate. The final EMI will depend on your approved loan terms.

Still Have Questions?

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