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Higher credit score increases the chances of loan approval. Check your CIBIL score today and get free insights on how to be credit-worthy.
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Business loan to suit your growth plan
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Business loan for all your needs
Get secured business loans with affordable interest rates with Tata Capital. Verify eligibility criteria and apply today
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Avail Loan Against Securities up to ₹40 crores
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Loan Restructuring for COVID-19 related stress
Loan restructuring can be availed by borrowers to manage financial stress caused by the COVID-19 pandemic. Customers eligible under RBI circular, having any of the retail loans can apply for restructuring of the loan via the Tata Capital website.
Structured EMI plans
Pay off your business loan on your terms with Tata Capital. Select a loan repayment plan that matches your spending capacity today!
Attractive interest rates
Save money in Bangalore by opting for a business loan with Tata Capital. Get the most affordable interest rates with us, and enjoy hassle-free loan repayments, thanks to lower EMIs.
Collateral-free loans
Enjoy collateral-free business loans that can cover all your immediate business requirements with us at Tata Capital.
Simple documentation
Want to make getting a business loan in Bangalore easier? At Tata Capital, we do this by making document verification seamless for you. Just submit a few mandatory documents, and leave the processing to us. Thanks to limited documentation, loan approvals are quicker too.
Loan Amount
₹ 0.40 lakh to ₹ 75 lakhs
Loan Tenure
12 to 60 months
Self-Employed Non-Professional Interest rate starting @
15%-25%
Self-Employed Doctors Interest rate starting
@ 12.00%-15.00%
Self-Employed Professional Other than Doctors Interest rate starting
@ 13.00%-17.50%
Be a part of the start-up boom in India and start your own business venture with various business loan schemes for women. Here’s a glimpse into the various schemes offered by the government
Known for its bustling economy, Bangalore offers an excellent networking culture for many new start-ups and small businesses. That is why a reliable source of funding like a business loan can help give wings to your business ideas.
Loan interest rates play a major role in determining the EMI amount you pay to your lender. Usually, the higher the interest rate, the higher your loan EMI, and the more money you spend on paying it off. So, if you want to save your earnings, given the high cost of living in Bangalore, you should choose a lender offering a business loan in Bangalore at a low rate.
At Tata Capital, we offer the lowest Business Loans rates in Bangalore. As a result, when you get a loan with us, you save the money spent on interest and benefit from easier loan repayments.
So why wait? Get a business loan with us and enjoy affordable business loan interest rates in Bangalore!
The Business Loans eligibility criteria at Tata Capital are as follows:
You should be between 25-65 years old.
You should have a profitable business for over three consecutive years.
Your business should have a positive turnover.
Your balance sheet should be audited by a Chartered Accountant.
When you get a business loan, you need to pay it off as regular equated monthly installments or EMIs. This monthly amount is determined by your loan amount, the loan tenure, and the lender’s interest rate.
Knowing the EMIs for your business loan in Bangalore allows you to allocate finances towards your EMI repayments beforehand. This makes the loan payments more affordable for you.
Looking to calculate your business loan EMI in Bangalore? Let our online Business Loans EMI calculator do the job for you. Simply click on the link to visit the calculator webpage and enter your loan details like loan amount, tenure, and interest rate as prompted. When you hit submit, the calculator automatically displays your monthly EMIs on the screen. It’s that simple!
You can apply for business loan in Bangalore with Tata Capital in the following ways too:
Via phone call
Call our customer care number at 18602676060, and request a callback..
Virtual assistant
Put a request online with our virtual assistant any time.
Offline
Visit our Bangalore branch to complete the offline application process and connect with our seasoned lending experts. Apply for a business loan with us today!
Here’s why our Business Loan is the perfect match for you:
You can repay through Post Dated Cheques, Electronic Clearance Service (ECS) or Direct Debit.
Business loans are available to both professionals and non-professionals that are self-employed. Business loans interest rates are highly competitive and are typically approved quickly. The following types of companies can secure business loans –
Sole proprietorship
Partnership firm
Private limited companies
Closely-held public limited companies
Societies
Trusts
Hospitals, nursing homes, diagnostic centres, pathological labs
A typical structure of a business loan involves a lending institution extending capital to a business owner, for which interest is charged. The business owner must pay back the business loan amount along with the applicable interest, in the form of Equal Monthly Instalments (EMIs), over a predetermined period of time known as loan tenure.
Three core components make up a business loan –
To avail a business loan, one must ideally have a CIBIL score of 700 or above. The same is true for both self-employed professionals such as doctors and engineers as well as self-employed non-professionals such as suppliers or manufacturers.
CIBIL or credit score plays a huge role in determining business loan eligibility. Since a company’s CIBIL score is its credit footprint, it enables lenders to know the timely repayment ability of the business loan applicant.
Business loans are typically short-term loans. Though business loan tenure may differ from lender to lender, most lending institutions extend business loans for a tenure ranging from 12 months to 36 months.
Lending institutions offer different types of business loans, designed to meet specific needs. They are as follows –
Machinery loans – Machinery loans are designed exclusively to meet the expansion needs of businesses via the purchase of advanced machinery and equipment.
MSME/SME loans – Designed to encourage the growth of small and medium-sized business enterprises, MSME/SME loans is a credit facility that can be availed for purchasing equipment, meeting operational expenses, and upgrading infrastructure.
Business loans for women – These loans are extended to women business owners to help them expand their business and push them towards financial independence.
The amount of business loan EMI that you will be required to pay towards the repayment of your business loan will largely depend upon three factors, as given below –
Principal loan amount – The higher the principal amount, the higher will be the EMI amount you will need to pay.
Rate of Interest – The higher the rate of interest, the higher will be the EMI amount you will need to pay.
Loan Tenure – The EMI is inversely related to the loan tenure. The shorter the loan tenure, the higher will be the EMI amount you will need to pay.
For a quick and accurate assessment of your business loan EMIs, use a handy online tool such as the business loan EMI calculator.
You can get a business loan from the lending institution of your choice in a number of ways, depending upon your convenience and the options offered by your lender.
Visit a nearby branch
Apply online via the lender’s website
Talk on call with the lender’s relationship managers
Send an email to your lender’s customer support mail address
Use the lender’s 24x7 virtual assistant feature
To avail a business loan with Tata Capital, simply apply for a business loan online or call on 1860-267-6060. You can also mail us at contactus@tatacapital.com or visit any of our branches.
Yes, just as your CIBIL score has a say in your business loan approval, your repayment of the business loan will affect your future credit score. Timely payment of loan EMIs will pose you as a low-risk borrower in the eyes of future lenders and hence, will enhance your CIBIL score.
Business loans can be availed for a variety of reasons. You can use different types of business loans to purchase infrastructure for expanding operations, to increase production via the purchase of new and advanced machinery, to purchase and store inventory in advance of seasonal sales, to build a workforce of skilled employees, and to increase working capital.
Yes, you can get a business loan without any collateral or security.
You can take an online business loan for your online retail store or e-commerce website. You must fulfil the following criteria for swift online business loan approval:
CIBIL score should be above 700
Your business must be profitable for three consequent financial years
Your turnover must show an upward trend
A CA should audit your balance sheet
Business owners have business and personal credit.
Loans for sole proprietorship and partnership businesses are guaranteed by an individual. So, the loan is reflected in your personal CIBIL report. However, if your company’s structure is LLC, then the business loan affects only the business’ CIBIL score.
Any interest levied on a business loan is exempt from taxation. This is because the interest paid is considered to be a business expense and not revenue. Registering as an MSME can also help you avail of business loan tax benefits on excise and other charges.
However, the principal amount is not tax-deductible.
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