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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.
    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.
    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.
    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.

    Know More
    Business Loan for Woman

    Make an investment in your company’s future with updated and advanced machinery. Choose a Tata Capital Business Loan to buy machinery and experience enhanced productivity, improved quality, and an incredible ROI.

    Know More
    Machinary Loan

    Empower your business and nurture its growth with custom-built loans at Tata Capital. Our SME and MSME Loans offer timely and adequate financial support to your venture. Get a quick SME and MSME Loan at Tata Capital and propel your business to success. 

    Know More
    MSME Loan/SME Loan

    WHY CHOOSE US

    CUSTOMIZED PRODUCTS
    MINIMUM DOCUMENTATION
    EASY APPLICATION PROCESS
    STRONG AFTER SALES SERVICE

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    INSIGHTS ON BUSINESS LOANS