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When you apply for a business loan with a lender, it asks you to submit certain documents to check your business loan eligibility. Although the documents required for business loan may differ from one lending institution to another, there are some common business loan documents that you have to submit irrespective of the lender.
At Tata Capital, we provide business loans with minimum documents and easy eligibility criteria. We ask only for some basic business loan documents from our customers, which include a business loan application form, photo identity proof, address proof, business ownership proof, and proof of income.
You can avail of a Tata Capital business loan by submitting only a handful of documents. You can submit these business loan documents directly at your nearest Tata Capital branch or upload them on our website. Below is our business loan documents list:
Please note that this business loan documents list is indicative. The exact documents required for business loan may vary from case to case based on our assessment program. However, the KYC documents and six-month bank statements are common business loan documents required in each case.
The lenders ask for business loan documents to check an applicant’s authenticity and business loan eligibility. That is why it’s necessary to submit the required documents for a business loan at the time of loan application. If you fail to submit all your business loan documents, the lender may fail to establish your loan eligibility and hence, may reject your business loan application.
Once you submit the documents required for new business loan to the lender, it starts a verification process for your documents. Once the verification process gets complete, the lender sanctions your business loan amount.
With Tata Capital, you can apply for a business loan by fulfilling simple eligibility criteria and submitting a few essential documents. You can submit your business loan documents in any of the following ways:
With Tata Capital, you can apply for a business loan by fulfilling simple eligibility criteria and submitting a few essential documents. You can submit your business loan documents in any of the following ways:
You can apply for a business loan with Tata Capital to meet all the financial requirements of your business. At Tata Capital, we provide an instant business loan so that you don’t have to wait to expand your business. Here’s why our business loan can be the best option for you:
At Tata Capital, we provide business loans with easy eligibility and minimal documentation. Here are the business loan documents that you will need to submit to avail of a business loan from us:
You may also require some additional documents at the time of loan processing. Visit the documents required page for more details.
We offer business loans for self-employed professionals (doctors, CAs, etc.) as well as non-professionals. Here is a list of customers that can apply for a business loan from us:
At Tata Capital, ensuring customer convenience is our top priority. That is why we allow the repayment of business loan EMIs through various payment instruments. You can choose to pay your EMIs through a direct debit facility, post-dated cheques (PDCs), or electronic clearance service (ECS).
With Tata Capital, you can apply for an online business loan by visiting our website and entering a few basic details. Or call our customer helpline number 1860 267 6060 to apply for a business loan through your phone. You can even visit your nearest Tata Capital branch and get in touch with one of our executives.
Yes. At Tata Capital, we don’t ask for collateral or security for providing business finance. This means you don’t have to put your personal or business assets on the line to qualify for business funding. Our business loans are 100% collateral-free.
If you are running an online retail store or an e-commerce website, you can apply for a business loan with Tata Capital for your working capital requirements. To get your online business loan approved, you must fulfill the following eligibility criteria:
Yes. If you have taken a business loan for your sole proprietorship business or partnership business, it will reflect in your personal credit report. If you fail to repay your business loan on time, your credit score might be impacted. However, if your company is an LLC, your business loan would affect only your business credit score and not your personal credit score.
By availing of a business loan in India, you can reduce your taxable income. Any interest levied on a business loan is eligible for tax deductions since the interest paid on a business loan is considered to be a business expense and not revenue. However, the principal component of a business loan is not tax-deductible.
Business loan eligibility criteria can vary from one lending institution to another. To become eligible for a Tata Capital Business Loan, you need to fulfill the following requirements:
For more details on our business loan eligibility criteria, visit our Business Loan Overview page.
A business account is not mandatory to get a business loan if you are running a sole proprietorship business. However, for a partnership business, corporation, or LLC, having a business account is mandatory for getting a business loan.
Your business loan EMI would depend on several factors, such as your business loan amount, loan tenure, and the applicable business loan interest rate. You can use our online Business Loan Calculator to know the exact EMI that you would have to pay for your business loan.
At Tata Capital, we provide business loans of up to Rs 75 lakh. However, the maximum business loan amount you can take will depend on your business loan eligibility and credit score. By having a good credit score and a profitable business, you can avail of the maximum loan amount.
With Tata Capital, you can take up to 60 months to repay your business loan. You have the flexibility to select a business loan tenure as per your repayment capability. You can even choose from different EMI plans to repay your business loan as per your income cycle.
At Tata Capital, the interest rate for a business loan is fixed. It means that your business loan interest rate and the EMI would not change during its repayment tenure. Our interest rate starts from - Self-Employed Non-Professional: 15% - 25%, Self-Employed Doctors: 12.00% - 15.00%, Self-Employed Professional Other than Doctors: 13.00% - 17.50%
At Tata Capital, we offer two types of Flexi EMI plans for business loan repayment:
You can apply for an instant business loan with Tata Capital and get on-the-spot approval for business funding. To apply for a business loan with us, you can take any of the following routes:
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