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Equipment Finance

Avail Digital Equipment Loans
up to Rs. 1 Crore

  • Attractive ROIs
  • Customizable Loan tenure

Equipment Leasing

Avail Leasing solutions
for all asset classes

  • Up to 100% financing
  • No additional collateral required

What are Small Business Loans?

Just like large enterprises, small businesses such as local Kirana stores, electronic repair shops, bakeries, and clothing stores too need funding from time to time. In maximum cases, such businesses require short-term finances to fulfill their urgent cashflow requirements, which can include paying wages to staff, making payments to vendors, or upgrading workplace infrastructure.

Tata Capital’s small business loans are tailor-made loans to help micro and small businesses in India meet their urgent monetary requirements. We provide affordable loan for small business in India with easy eligibility criteria and minimal documentation. You can apply for a new small business loan online and get the funding from the comforts of your home or office.

  • Loan Amount

    ₹ 40 Thousand to ₹ 1.5 Lakhs

  • Loan Tenure

    6 months to 36 months

  • Interest rate starting @

    Starting from 12% p.a.*

Advantages of Tata Capital Small Business Loans

Convenient Loan Amount

By applying for a small business loan with us, you can get small business financing of up to Rs. 1.5 lakhs. You can choose your small business funding amount as per your precise business requirements. We provide small business loans for women as well as men entrepreneurs.

Flexible Loan Tenure

Our loan for small business comes with a flexible tenure of up to 36 months. It means that you have the flexibility to choose your loan tenure as per your repayment capability. A higher loan tenure will reduce your monthly EMI but increases your interest outgo.

Easy Eligibility

With Tata Capital, you can get a loan to start a small business or expand your existing business by fulfilling easy eligibility criteria and minimum documentation. Additionally, our loan for small business is approved and disbursed faster to provide you with on-time small business financing.

No Collateral Required

Our business loans for small businesses are 100% collateral-free loans. It means that you are not required to put any of your personal or business assets on the line to qualify for your small business funding.

Doorstep Services

To avail of a loan for small scale business with Tata Capital, you won’t have to step out of your home or office. We provide small business loans online along with doorstep services for document collection and other formalities.

Why Should You Choose Tata Capital’s Small Business Loans?

With Tata Capital, you can get a loan for small business in India without any hassles. Here are a few reasons why you should choose to apply for our small business loan:

Manage Your Working Capital

Every business, irrespective of its size and nature, needs working capital to manage its day-to-day operations. For small business owners, getting access to timely working capital is even more crucial as they are in their growth cycles. Tata Capital provides loan for small scale businesses so that they can meet their short-term working capital requirements with minimum fuss.

Special Rates for Women

At Tata Capital, we provide small business loans for women with attractive interest rates and minimum eligibility requirements. So, as a women entrepreneur, you can apply for our loan for small business and get adequate business funding to meet all your short-term requirements. We offer loans for small businesses up to Rs 1.5 lakhs.

Business Expansion

If you’re looking to expand your existing small business, there can be no better companion than Tata Capital’s small business loan. You can take a loan to start a small business or expand your existing business to greater heights. We provide one of the best small business loans in India with highly competitive interest rates and extended loan tenures.

Tackle Seasonal Cashflow Requirements

If you’re into a seasonal business - for example, a fire-cracker seller, a dry fruit shop, a bridal collection store, etc. - your cashflow requirements during peak season can suddenly go up. During such times, you can avail of a small business loan in India to meet your urgent cash flow needs easily. You can then repay the loan amount in easy EMIs over a convenient tenure.

Who Can Apply for Small Business Loans?

We provide small business loan in India to anyone who can fulfill our business loan eligibility criteria. Below is a list of businesses or customers who can apply for a loan for small business with us:

  • Self-employed individuals
  • Sole proprietor small enterprises consisting of manufacturers, retail and wholesale trade and services customers

What are the Eligibility Criteria for Small Business Loans?

At Tata Capital, we provide loans for small businesses with easy eligibility criteria and minimum documentation. Below are the eligibility requirements you need to fulfill to avail of our small business loan:

  • Your age should be between 21 years and 60 years (at the time of last EMI)

  • You should have a business vintage of at least two years

  • Your business turnover should indicate an upward trend

Please note that our small business loan eligibility criteria may include some other parameters as well. 

How to Get a Small Business Loan?

Applying for a small business loan with Tata Capital is easy and convenient. You can apply for a small business loan with us in any of the following ways:

  • Apply online by visiting our website and get an instant approval
  • Call our customer care number at 1860 267 6060 between 9 am and 8 pm on Monday to Saturday to apply through your mobile phone
  • Take the help of our 24x7 virtual assistant TIA to apply anytime and from anywhere
  • Visit your nearest Tata Capital and get in touch with one of our representatives there

How to Apply for a Tata Capital Business Overdraft Loan?

How to Apply for a Tata Capital Small Business Loan?

  • Branch

    You can visit your nearest Tata Capital branch and get in touch with one of our executives there. They will guide you through the entire application process

How to Apply for a Tata Capital Small Business Loan?

  • Online

    Apply online through our website and get your loan approval instantly

  • Virtual Assistant

    Take the help of our 24x7 virtual assistant to apply anytime and from anywhere

  • Phone Call

    Call us on our customer care number at 1860 267 6060 between 9 am and 8 pm on Monday to Saturday to apply through your mobile phone. You can also request a call-back

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Avail TATA Capital loans directly from WhatsApp

More Business Loan products for you

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Business Loan for professionals

At Tata Capital, we provide business loans for professionals with benefits like easy eligibility criteria, minimum documentation, and quick disbursals. 

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Business Loan for women

At Tata Capital, we provide business loans for women entrepreneurs to achieve new heights in the world of business and startups.

What our customers say about us

Overall the experience was good and hope to continue the same. Also Tata Capital executive were nice and polite from the beginning.

Prasenjit Sen

Loan Against Property | 13 January, 2023

Thank you TATA Group for making India proud with all your hassle free and excellent services, Thanks Team

PRAMOD LINGSHETTY PATIL

Personal Loan | 31 December, 2022

I want to thank Tata Capital for giving Loan, During the process I was kept updated. Wanted to thank Tata Capital executive for answering my queries and keeping me updated on Status. Thank you

G BHASKAR

Personal Loan | 30 December, 2022

This is surprisingly easiest way to avail personal loan. I am completely happy with the service provided. Thank you team TATA CAPITAL!

Venugopal Raju

Personal Loan | 28 December, 2022

I was impressed with the way your staff handles their customers and if i come accross any family or friend who may be looking for any financial assistance, I shall surely recommend Tata capital

SHEELA AVINASH PATEL

Business Loan | 24 December, 2022

One of the best Mobile App, Tata capital only took 3-4 working day for loan approval.

ARJUN KUMAR

Personal Loan | 23 December, 2022

The services of Tata Capital is very good.. Approval process, loan charges are not hidden, every aspect was explained to me by Tata Capital executive before taking loan, very good transparency. Keep it up..

Prasanna Shriram Agashe

Personal Loan | 10 December, 2022

Excellent customer service with clarity and politeness. Thanks to TATA Capital having wonderful field staff.

S hari Haran

Two Wheeler Loan | 08 December, 2022

I am very happy that I got timely loan in my worst time.

THAKOR BHIMABHAI SHANKARJI

Personal Loan | 07 December, 2022

Find the right Loan for you

Machinery Loans

If you’re into a manufacturing business, you may need to install the latest machinery or equipment in your factory.

You can apply for a machinery loan with us to fund the purchase of your business-related tools or equipment.

Machinery Loans

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MSME Loans

MSMEs are the second-largest employer in India after the agriculture sector.

To help these MSMEs grow and flourish without being affected by financial hurdles, Tata Capital offers MSME loans or SME loans at competitive interest rates.

MSME Loans

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Overdraft Loan

If you’re unsure of the total loan amount that you may need for your business, you can avail of a business loan overdraft facility or an overdraft business loan.

With Tata Capital, you can get an OD loan for business of up to Rs. 75 lakhs at an affordable interest rate.

Overdraft Loan

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Small Business Loan

Tata Capital’s small business loans are tailor-made loans to help micro and small businesses in India meet their urgent monetary requirements.

You can apply for a new small business loan online and get the funding from the comforts of your home or office.

Small Business Loan

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