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Personal Loan

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Personal Loan

PERSONAL LOAN INTEREST RATES STARTING AT 10.99%

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Overdraft Loan

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Overdraft Loan

PERSONAL LOAN INTEREST RATES STARTING AT 13.50%

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Marriage Loan

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Wedding Loan

MARRIAGE LOAN FUNDING UP TO RS. 35 LAKHS

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Medical Loan

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Medical Loan

LOANS FOR MEDICAL NEEDS ON AN EMERGENCY BASIS

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Education Loan

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Education Loan

AVAIL TAX BENEFITS ON EDUCATION LOANS FOR HIGHER STUDIES

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Travel Loan

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Travel Loan

PERSONAL LOANS FOR ALL YOUR TRAVEL NEEDS

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Home Renovation Loan

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Home Renovation Loan

HOME RENOVATIONS LOANS FOR YOUR HOUSING NEEDS

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Home Loan

Home Loan EMI Calculator
Home Loan

HOME LOANS WITH INSTANT APPROVALS STARTING AT 8.95%

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Home Extension Loan

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Home Extension Loan

CUSTOMISED SOLUTIONS FOR HOME EXTENSION NEEDS WITH TENURE UP TO 30 YEARS

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Affordable Housing Loan

Pradhan Mantri Awas Yojna (PMAY) Calculator
Affordable Housing Loan

UNDER THE PRADHAN MANTRI AWAS YOJNA SCHEME, AVAIL INTEREST RATE SUBVENTION STARTING AT 4%

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Used Car Loan

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Two Wheeler Loan

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Contact us 1860 267 60 60

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Business Loan FAQs

  • Overview
  • Eligibility & Documentation
  • Fees & Charges
  • Calculators
  • EMI Options
  • Related Products
  • FAQs
  • Blog
    • 1

    Getting Started

    Eligibility

    Loan Details (Amount & Tenure)

    Flexible EMI Plans

    Know How It Works

    Getting Started

    Whether you are new to business, experiencing a slowdown, need funds to ensure cash flow, access to working capital, hire new employees, buy new equipment, or expand your business, no matter what your business plans and needs are, our Business Loans can help you get quick funds when you need them the most. Tata Capital’s Business Loans are designed to meet your financial needs with flexible repayment options and customisable loan options to keep you growing your business. Getting money to meet your immediate need is simple, secure, and easy with our unsecured Business Loans.

    Here’s why our Business Loan is the perfect match for you:

    • We don't ask for any security or guarantor for our Business Loan
    • You get the flexibility of choosing from business loan repayment options
    • For our existing customers, we regularly provide exclusive pre-approved offers on business loans
    • Convenient Online access to all details regarding your business loan.
    • We offer unsecured business loans up to ₹ 75,00,000
    • We seek minimum documentation
    • We give you quick online approval once you share the minimum documents we need.

    We ask for minimal documents in order to process your Business Loan:

    • Duly filled application form
    • KYC documents of the company including PAN Card, Registration of Incorporation, Partnership deed, Memorandum & Articles of Association.
    • KYC documents of the business owners
    • Balance sheet and Profit & Loss accounts for the last two years
    • Income Tax Returns for the last two years
    • Company bank statements for the last six months
    • GST returns for the last 6 months
    • A report detailing how the Business Loan will be used.

    Learn more about Business Loan Eligibility & Documents for further details.

    We offer Business Loans to both professionals and non-professionals, who are self-employed. Among self-employed professionals, we have exclusive loans for doctors. These loans are approved quickly and are available at competitive interest rates. The customer segments covered under Business Loans are listed below:

    • Sole Proprietorship
    • Partnership Firm
    • Private Limited Companies
    • Closely held Public Limited Companies
    • Societies
    • Trusts
    • Hospitals, Nursing Homes, Diagnostic Centers, Pathological Labs.
    You can repay through Post Dated Cheques, Electronic Clearance Service (ECS) or Direct Debit.

    To avail a Business Loan, simply apply online or call 1860-267-6060. You could also e-mail us at contactus@tatacapital.com or visit any of our branches.

    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. 

    Eligibility

    You are eligible for a Business Loan if you:

    • Are between 25-65 years of age
    • Have business that shows a profit for the last three consecutive financial years
    • Have business that shows an upward turnover trend
    • Are able to show balance sheet that is audited by a registered Chartered Accountant.

    If you run a sole proprietorship, you can use a personal bank account for your business. However, for a corporation or limited liability company (LLC), you need to have a business account.

    A business bank account is not mandatory for a loan. As per the business loan eligibility criteria, your business must be profitable for three consequent financial years. 

    Loan Details (Amount & Tenure)

    Your EMI depends on the loan amount. Please use our Business Loan EMI Calculator to know exactly how much you need to pay.

    You can take up to ₹ 75 lakhs and more depending on your credit score.

    You can take up to 36 months to repay your business loan.

    The interest rate for Business Loan is fixed.
    You can repay through Post Dated Cheques, Electronic Clearance Service (ECS) or Direct Debit.

    If you run a sole proprietorship, you can use a personal bank account for your business. However, for a corporation or limited liability company (LLC), you need to have a business account.

    A business bank account is not mandatory for a loan. As per the business loan eligibility criteria, your business must be profitable for three consequent financial years. 

    Flexible EMI Plans

    • Step Up Flexi EMI Plan

    This repayment option allows you to pay lower EMIs in the beginning and as your income grows you pay higher EMIs.

    1. Provides higher Business Loan eligibility

    2. Pay more when you can afford

    3. Helps to manage income flow efficiently.

    • Step Down Flexi EMI Plan

    Step Down Flexi EMI Plan offers flexibility to pay higher EMIs in the beginning and lower ones at the end.

    1. Reduces interest substantially

    2. Helps in finance management

    3. Provides higher Business Loan eligibility,

    Ideal if: You have a high disposable income.

    Know How It Works

    You can run your business without any disruptions by just completing a simple and secure form which takes less than 10 minutes. Then upload the necessary documents and your loan will be approved within just days.

    Online

    Apply online through our website.

    Phone

    Our customer support team is happy to help you, call us on customer care number at 1860 267 6060 from 9 am to 8 pm Monday to Saturday. You can request a call back too.

    Branch

    Walk into your nearest branch and apply for a Business Loan.

    Find the right loan for you

    Are you an ambitious female entrepreneur with your sights set on financial independence? Spur business growth with Tata Capital’s Business Loans for Women. Designed exclusively for you, our loans are unsecured and available at competitive interest rates.

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    Business Loan for Woman