Get the Tata Capital App to apply for Loans & manage your account. Download Now

Blogs

SUPPORT

Related Products
Apply Now
Overview Required Documents Rates & Charges
Calculators
EMI Options
Related Products

Get Small Business Loan Up to ₹90 Lakhs*

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

    ₹ 1 Lakh to ₹ 90 Lakhs

  • Loan Tenure

    6 months to 36 months

  • Interest rate starting @

    Starting from 12% p.a.* (This may vary depending on the product and profile).

     

     

    View Rates & Charges

Small Business Loan EMI Calculator

A business loan EMI calculator is an online tool that helps you determine the amount you will need to pay monthly for repayment of your business loan. Tata Capital’s Business Loan EMI Calculator is incredibly quick and easy to use. You can simply enter the required values in the relevant boxes, and our EMI calculator business loan will instantly display your business loan EMI and the total interest amount payable on your business loan. By knowing your business loan EMI in advance, you can manage your expenses and plan your repayments accordingly.

Loan amount
₹
₹75,000 ₹35,00,000
Loan duration
1 Years 6 Years
Loan duration
12 Months 72 Months
Rate of interest
%
10% p.a 19% p.a

Monthly EMI

  • Total Amount Payable

    0*

  • Total Interest Payable

    0*

Total Amount Payable

Total Interest Payable

Apply Now
whatsapp

Avail TATA Capital loans directly from WhatsApp

Features and Advantages of Tata Capital's Small Business Loan

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.

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

Small Business Loan Eligibility Criteria

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. 

Documents Required for Small Business Loan

To apply for a small business loan, you must produce the following documents:

  • Duly filled loan application form
  • Business KYC
  • Last 6 months' business and individual (proprietors/partners) bank statements.

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.

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

    Locate a Branch

  • Online

    Apply online through our website and get your loan approval instantly

    Apply Now

  • 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

    Request a call back

How to Use a Small Business Loan from Tata Capital?

After receiving your application for a small business loan, we will start a verification process. Upon successful verification, the loan amount will be transferred to your bank account. Now, what next?.
How you choose to spend your startup loan will have a big impact on your business. It’s imperative to have a strategic plan to put your business funding to work. Here are a few ideas on how you can use a small business loan:

  • Procure Inventory

    Certain small businesses, such as retail departmental stores, count on the sales of their inventory to generate profits. They need to keep their inventory full all the time so that they do not lose their potential customers. This can range from the latest beauty products to stationery items to groceries. A start-up business loan can help such business owners immensely to stock their shelves with adequate inventory and also take advantage of bulk discounts.

  • Upgrade Machinery or Equipment

    If you are in a manufacturing or processing business, you rely heavily on certain machinery and equipment for daily production. Sometimes, you may need to replace old machines in your factory with the latest and updated ones to ensure optimum business efficiency. Those in the logistics business may need to expand the size of their fleet or replace existing vehicles with more efficient models. One of the best ways to procure business equipment is by using a start-up business loan.

  • Meet Day-To-Day Expenses

    As a small business owner, you know that every venture requires certain expenses for its day-to-day operations. These may include electricity bills, office rent, labor charges, vendor payments, staff payments, etc. You can use your small business loans for startups to meet such recurring business expenses. This financing option can be a boon for you when you need additional working capital to tackle seasonal fluctuations. Tata Capital offers short-term working capital loans of up to Rs. 1.5 lakhs.

  • Consolidate Your Debt

    You might have taken a personal loan or used your credit card to meet some urgent business-related financial requirements. However, such financing avenues often attract higher interest rates that can go up to 30% per annum. To reduce your borrowing costs, you can use a small business loan for debt consolidation. Tata Capital’s start-up loans come with highly competitive interest rates, starting from just 12% per annum. Additionally, we offer small business loans for women entrepreneurs at special rates.

  • Invest in Marketing

    To grow a business, it’s necessary to enchant new customers and keep existing customers on the hook. For this, you may need to place your business advertisements in print media and social media, send e-mails, participate in events, and do much more. You may also need to hire proficient marketing professionals or agency services that can derive an efficient marketing strategy for your business. With a startup loan, you can expand your marketing budget and take your business to soaring heights.

More Business Loan products for you

Business Loan for professionals
Business Loan for professionals

Business Loan for professionals

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

Apply Now
Business Loan for women
Business Loan for women

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.

Apply Now

What our customers say about us

I am very satisfied with the way my problem was addressed by Tata Capital's customer support team. My concerns were taken seriously, and a resolution was provided promptly.

INTOZI TECH PRIVATE LIMITED

Business Loan | 07 Apr, 2025

All questions were answered politely, and they understood the issue well. Also, good suggestions were given.

PRAMILA S DAS

Business Loan | 03 Apr, 2025

Amazing team-they were very quick to resolve the queries.

YALLAPPA SANGAPPA KAMBLE

Business Loan | 01 Apr, 2025

I really appreciate the services you provide, ensuring that customers receive the email and that the resolution is satisfactory.

MANOHAR LAL RANA

Business Loan | 21 Mar, 2025

Very good service, and the work was done quickly. Very good response.

FRANKLIN J

Business Loan | 17 Mar, 2025

Best services provided by Tata Capital customer support. Thanks once again for your support.

VIKAS KUMAR

Business Loan | 10 Mar, 2025

Thank you so much for resolving my issue. I will recommend Tata Capital to my family members too. Thank you!

MADDALA NAGAVENKATA RAMARAO

Business Loan | 24 Feb, 2025

No hidden charges, good staff behavior, great coordination with clients, trust in the brand, and transparency in disbursements.

KRISHNABAI K KAMATAR

Business Loan | 04 Feb, 2025

Very nice, excellent service from the branch. I appreciate Tata Group's digital SOA generator on WhatsApp service.

LADURAM PANNARAM PANNARAM MISTRY

Business Loan | 03 Feb, 2025

Read All

Related Videos

Business Loans
#businessloan

Know more about Business Loans

Thinking of expanding your business?  Want to take your business to new heights? From expanding your operations to upgrading your equipment, Tata Capital has got your back! Let Tata Capital business loans fuel your entrepreneurial spirits and help turn your business dreams into reality!

0:55

FAQs on Loan on Small Business

How long does a small business loan typically last?

The duration of the small business loan depends on your eligibility to pay back the same. However, they are available from 12 months to a maximum of 48 months generally.

Can a person with poor credit obtain a small business loan?

The answer depends on your definition of ‘poor’. Generally, the higher the credit score, the more chances you have of getting a small business loan. However, you might be able to get a loan at a higher interest rate.

What are the terms of a small business loan?

The terms and eligibility criteria for a small business loan are usually the following:

  • Minimum age of 21 - 24 years
  • Having a solid business credit profile 
  • Updated financial statements
  • The intent of your business loan

What is the small business loan interest rate?

Small business loan interest rates vary greatly from lender to lender. The best method to choose an interest rate is to check all the conditions before confirming your choice with the lender.

What kinds of financing are available for small businesses?

There are multiple financial options available for small businesses. Some of them are:

  • Term loan
  • Start-up loan
  • Hybrid Term Loan
  • Working capital loan
  • Merchant cash advance
  • Equipment Financing

    • Depending on the type of loan you require, you can choose the most relevant financial option. 

How does a woman go about getting a small business loan?

To support women entrepreneurs there are several ways for them to get a small business loan. One of them is getting an exclusive business loan for women that offers flexibility in loan amounts, discounts on rates and quick disbursement.

What do I need to submit with my loan application for a small business?

The documents needed along with your loan application for a small business loan usually consist of the following:

  • Proof of age
  • Identity proof
  • Valid address proof
  • Financial statements
  • Loan history
  • Business registration proof
  • Business overview document

How do small businesses meet the requirements for a business loan?

Before applying for a business loan, individuals and businesses must ensure they meet the required criteria to qualify for one. These include the following list:

  • Age of the applicant
  • Minimum turnover as set by the lender
  • Minimum time of operation of the business

What happens if someone is unable to repay a business loan?

If someone is unable to repay a business loan, they will find their credit scores taking a huge hit. In worst-case scenarios, they will even find their assets being taken over by the lender. Thus, it’s a good idea to determine how much you need before applying for a loan.

Does a small business loan impact one's credit personally?

If you are a sole proprietor of the business, then a small business loan will affect your credit score. Failing to pay your dues on time can have adverse effects on your score, so it’s best to research how much you need.

Who is eligible for a small business loan?

To be eligible for a small business loan, a person must be at least 21 years old with a business vintage of at least two years and an upward business turnover trend.

Can I get a loan for starting a new business?

Yes, you can get a loan to start a new business. However, you must have a strong credit history, adequate repayment capability, and a solid business plan.

Quick Links

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.

Know More
BL Machinery Loans BL Machinery Loans

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.

Know More
BL MSME Loans BL MSME Loans

Hybrid Term Loan

If you’re unsure of the total loan amount that you may need for your business, you can avail of a Hybrid Term business loan.

With Tata Capital, you can get an Hybrid Term Loan for business of up to Rs. 90 lakhs at an affordable interest rate.

Know More
Overdraft Loan Overdraft Loan

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.

Know More
Small Business Loan Small Business Loan

Business Loan Blogs

Business Loan
Business Loan
Private, Public & Global Enterprises: Types, Features & Differences
14 May, 2025
Business Loan
Business Loan
What is the GST Council in India?
14 May, 2025
Business Loan
Business Loan
Nature of Business: Meaning, Benefits & Types
14 May, 2025
Business Loan
Business Loan
Manpower Supply Business in India: A Guide
14 May, 2025
Our Subsidiaries
Our Private Equity Funds

Useful Links and Resources

Most Important Terms & Conditions - Home Loans

Download in your preferred language

Download

Policies, Codes & Other Documents

Most Important Terms & Conditions - Home Loans

Download in your preferred language

Download

Tata Capital Solutions & Services

Uh oh, something went wrong

Please try again later.

thankyou

Thank you for subscribing

We will send news and updates to your registered email ID

Beware of Frauds!

For any assistance, contact our customer support

offers-icon

rahul.sharma@gmail.com

Looking for offers...

loader
Chat
tia-chatbot tia-chatbot-mobile Ask TIA