Business Loan - Bharatee Financial Services

Business Loan

Fuel Your Business Growth with Fast & Flexible Financing

Up to ₹5 Crore

Loan Amount

11% - 28%

Interest Rate

1 - 7 Years

Tenure

48 Hours

Quick Approval

Accelerate Your Business Growth with Instant Funding

Whether you're expanding operations, purchasing equipment, managing cash flow, or launching new ventures - our business loans provide the capital you need to take your business to the next level.

  • Flexible loan amounts from ₹1 lakh to ₹5 crore
  • Competitive interest rates for all business types
  • Quick processing with minimal documentation
  • No collateral required for loans up to ₹50 lakh
  • Flexible repayment tenure options
  • Same-day approval for eligible businesses

🚀 Get Business Loan in 48 Hours!

Fast-track your business financing with our streamlined approval process

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Why Choose Our Business Loan?

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All Business Types

We finance startups, SMEs, partnerships, private limited companies, and all forms of business enterprises.

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Flexible Usage

Use funds for working capital, equipment purchase, business expansion, inventory, or any legitimate business purpose.

Quick Disbursement

Get funds in your account within 48-72 hours of approval with our fast-track processing system.

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Competitive Rates

Interest rates starting from 11% per annum with flexible repayment tenure up to 7 years.

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No Collateral

Unsecured business loans up to ₹50 lakh without requiring collateral or property guarantee.

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Easy Documentation

Minimal paperwork with digital document submission and online verification process.

Types of Business Loans We Offer

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Working Capital Loan

Short-term financing for daily operations, inventory management, and cash flow requirements

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Equipment Finance

Funding for machinery, equipment purchase, technology upgrades, and infrastructure development

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Business Expansion

Capital for scaling operations, opening new branches, market expansion, and growth initiatives

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Startup Funding

Seed funding for new businesses, startup capital, and initial working capital requirements

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MSME Loans

Specialized financing for Micro, Small & Medium Enterprises with government scheme benefits

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Inventory Financing

Funding for stock purchase, raw materials, seasonal inventory, and supply chain financing

Business Loan Details & Features

Loan Features

  • Loan Amount: ₹1,00,000 to ₹5,00,00,000
  • Interest Rate: 11% - 28% per annum
  • Tenure: 12 months to 84 months
  • Processing Fee: 1% - 3% of loan amount
  • Prepayment: Allowed after 6 months
  • Processing Time: 48-72 hours

Eligibility Criteria

  • Business Age: Minimum 1 year
  • Annual Turnover: ₹10 lakh+
  • Entity Type: Any registered business
  • Owner Age: 21 to 65 years
  • Credit Score: 650+ preferred
  • Financial Records: Last 2 years

Business Categories

  • Manufacturing & Production
  • Trading & Distribution
  • Service & Consulting
  • Retail & E-commerce
  • Healthcare & Education
  • IT & Technology
  • Agriculture & Food Processing
  • Transport & Logistics

Loan Usage

  • Working capital requirements
  • Equipment & machinery purchase
  • Business expansion projects
  • Inventory & stock financing
  • Technology upgrades
  • Office setup & renovation
  • Marketing & advertising
  • Debt consolidation

Documents Required

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Business Registration

Certificate of Incorporation, Partnership Deed, MOA/AOA

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KYC Documents

Aadhaar, PAN of directors/partners, Address proof

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Financial Statements

Balance Sheet, P&L, ITR for last 2 years

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Bank Statements

Current account statements for 12 months

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GST & Tax Returns

GST registration, GST returns, Tax audit report

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Business Proof

License, permits, office lease agreement

Simple Application Process

1

Submit Application

Fill online form with business and loan details

2

Document Upload

Upload business documents through secure portal

3

Verification

Document verification and business assessment

4

Approval

Loan approval with terms and conditions

5

Disbursement

Funds transferred to business account

Calculate Your Business Loan EMI

💼 Business Loan EMI Calculator

Plan your business financing with accurate EMI calculations

Use EMI Calculator

Frequently Asked Questions

What is the maximum business loan amount available?
We offer business loans up to ₹5 crore, depending on your business turnover, creditworthiness, and repayment capacity. The final amount is determined after business assessment.
How quickly can I get a business loan approved?
With complete documentation, business loan approval takes 48-72 hours. For eligible businesses with good credit history, same-day approval is also possible.
What are the interest rates for business loans?
Business loan interest rates range from 11% to 28% per annum, depending on business type, credit profile, loan amount, and tenure. We offer competitive market rates.
Is collateral required for business loans?
For loans up to ₹50 lakh, no collateral is required. For higher amounts, we may require collateral or personal guarantee depending on the risk assessment.
What is the minimum business age requirement?
Your business should be operational for at least 1 year with proper financial records. For startups, we have special funding programs with different criteria.
Can I use business loan for multiple purposes?
Yes, business loans can be used for various legitimate business purposes including working capital, equipment purchase, expansion, inventory, or debt consolidation.

Ready to Fuel Your Business Growth?

Join thousands of successful businesses who have achieved their goals with our business financing solutions