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Business Loan in Delhi NCR

LoanMoney is one of the leading Loan Agency in Delhi/NCR. National Capital Region (NCR) of Delhi is a region which includes the states and cities New Delhi, Noida and Ghaziabad in the state of Uttar Pradesh, Gurgaon and Faridabad in the state of Haryana as its major constituents. Noida and Ghaziabad are industrial towns and business areas while Indirapuram is a large residential locality containing real estate and malls.

Delhi is known for its real estate market and attractive tourist places and in addition, for hi-tech IT/ITES industries. Delhi has endless possibilities of business and tourism and has been the locale of people from different cultures since ages. Noida is also a major hub for the IT industry. It is the largest urban area in the country and contains the seats of government, industry, education, commerce, business and tourism.

Business loans help your small business grow, enabling you to finance in infrastructure, purchase machinery, expand operations, or to increase working capital. Customized business loans are a new kind of business loans which are tailored to satisfy the particular requirements for new business or startup. Whether you want to start your business, launch a new store, renew your business, buy new machinery, raise working capital or outperform your competitors.

LoanMoney offers business loans ranging from Rs. 5 Lakhs to Rs. 1 Crore with flexible tenures up to 48 months for small, medium and large businesses. LoanMoney provides unsecured business loans which means you can fund your business without any collateral. Get quick approval on business loans with hassle-free processing to satisfy the immediate financial requirements of your growing business. Enjoy LoanMoney doorstep services by availing our business loan.

If you are looking for Business Loan in Delhi-NCR with a low interest rate, LoanMoney deals with Over 35 Banks & NBFCs, As per customer profile & financial we will give you a minimum 3 best deals.

Compare Bank Interest Rate

Loan Amount

5 To 50 Lakhs

Interest Rate

12.75% To 17.50%

Special Features

Lowest Rates of Interest In Market

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Loan Amount

5 To 40 Lakhs

Interest Rate

15.50% To 19%

Special Features

Get Loan on GST Returns No Financial Require

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Loan Amount

5 To 45 Lakhs

Interest Rate

15% To 19%

Special Features

OD Facilities with 12 Hr Disbursment

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Loan Amount

5 To 75 Lakhs

Interest Rate

17% To 20%

Special Features

Loan Eligibility Can Be Done As Per Customer Requirement

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Loan Amount

5 To 40 Lakhs

Interest Rate

17% To 19%

Special Features

Special ROI 11% to 14% for Professionals Like Dr.Ca & Etc

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Loan Amount

5 To 75 Lakhs

Interest Rate

15% To 19%

Special Features

Flexible repayment methods Facility

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Loan Amount

Upto 1 Crore

Interest Rate

16% To 21%

Special Features

Flexi tenure option available from 12 to 36 months.

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Business Loan General Information

  • Business Loans: These loans are secured/unsecured loans given with/without any collateral or security. However, before approving the loan, the banks verify your credit report and CIBIL Score, age and income of the last 3 years.
  • Fixed Interest Rate: The rates of interest on the business loan are fixed, which means that the interest rate remains constant across the tenure. The rate of interest on a business loan is starting from 12.75% to 21% a year.
  • Flexible Repayment Tenure: Business loans come with flexible repayment tenure up to 5 years. This is an important feature of business loans that gives them an attractive funding opportunity for businessmen.
  • Maximum Loan Amount: Self-Employed and professionals can avail the highest business loan up to Rs 50 Lakhs given If he has a good credit score and a consistent source of income. Banks also check the financial credibility of the borrower before approving the business loan.
  • Minimum Documentation: To apply for a Business Loan, the borrower needs to submit minimal documentation i.e KYC Document, Company continuity Proof, ITR Information, Bank Statement.
  • Fast Processing: Once you submit the documents, banks examine them and approve the business loan. The loan approval is followed by the disbursal process.re

Business loans can be availed by the self-employed, limited and private liability company, manufacturers and services providers. The banks have specific eligibility criteria that must be satisfied by the borrower. Loans are quickly approved without spending much time.

Particulars Self-Employed Professional
Age(Min-Max) 21 To 65 Years 21 To 65 Years
Minimum Income Net Profit > 250000/- or More Min. 2,50,000/ p.a
Co-applicant If Require If Require
Loan Tenure 1 to 5 Years 1 to 5 Years
Maximum Loan Amount Max. 50 Lakhs Max. 50 Lakhs
Business Continuity 3 Year Business Continuity. 3 Year Business Continuity
Other Last 3 years ITR Last 3 years ITR

List of documents required for Business Loan that must be submitted by the borrower in order to avail a business loan:

  • Application Form with 3 Recently Passport size photograph.
  • Identity proof: Aadhaar Card, Voter ID Card, PAN Card, Valid Passport
  • Address proof: Voter ID Card, Valid Passport, Rasan Card, Driving Licence, Utility/Electricity Bills
  • Business current account bank statement of the past 6 months
  • Income tax returns of the last 3 years along with computation of income, Balance Sheet and Profit & Loss account for the previous 2 years, after being CA Certified/Audited
  • Proof of Business Proof of ownership of the possessions that are used in the business
  • KYC documents of co-applicant (if any)

Business loans are short term loans which need to be repaid back within a shorter loan tenure of up to 5 years. Banks offer flexible repayment options starting from 1 to 5 years, depending on the Applicant’s profile. As they are short term Business loans, the borrowed money will have to be repaid back soon. Therefore it is always best to evaluate your repayment capacity before your application for the Business Loan. Business Loan EMI Calculator lets you calculate the EMI which you will have to pay every month if you take a loan of a particular amount and tenure at a specific interest rate.

There are various factors to consider while taking a Business Loan in order to assure the borrower gets the best possible deal. Factors such as:

  • Attractive Rate of Interest: Banks offer lower or higher interest rates depending on the business turnover, yearly profit, business continuity and credit history. Before choosing a bank, compare the Business Loan Interest Rates offered by various banks, and opt for the one offering the minimum interest rate.
  • Service Charges: Processing fee, pre-payment charges, and documentation fee are some of the service charges that are added to the loan amount. Choose a bank that charges a minimum fee for these services.
  • EMI: Compare the EMI options offered by different banks, before deciding the one that offers the best EMI option.
  • Loan Tenure: The repayment period for Business Loans range from 1 year to 5 years. 
  • Quick Disbursal: The main purpose of a Business Loan is to fulfil the urgent financial needs for purchasing machinery & other equipment. Most banks process and issue loans within 7 to 8 working Days.

Loan Amount: Rupees 5 Lakhs to 75 Lakh
Rate of Interest (APR)*: 12% to 20%
Repayment Tenor: Up to 5 Years
Processing Fees: Upto 3%

Illustration: Rs. 1 Lac loan on @12% with processing Fees for 60 Months comes to Rs. 1,33,466/- Equated Monthly Instalment shall be: Rs. 2,224/- only.

* APR - Annual Percentage Rate

Business Loan Frequently Asked Questions (FAQ)

You can borrow loan amount from Rs.10 Lakhs to Rs.35 Lakhs depending on your eligibility basis the financial documents submitted, repayment capacity and loan amount limit in your respective location.
A processing fee of a maximum of 3% of the loan amount (plus Service Tax at the prevailing rate) is required to be paid. This fee will be deducted from the Loan amount at the time of the disbursal of your loan.
A business loan is an unsecured loan provided by Banks/NBFC’s (Non-Banking Finance Companies) without demanding any collateral, residential/commercial property as security. Entities like proprietorship, partnership, private limited company or public limited company are qualified for this type of borrowing. The way of business loan is given to the choice of the borrower and it can be utilised for purchase machinery, working capital purposes, meeting short-term cash flow demands, investments into plants etc.
Business Loan can be used for starting a new business, expansion of existing business, upgrade to the latest plant and machinery, maintain inventory, or to increase working capital.
It basically depends on the amount of the cash flows for a business loan and also the purpose of the business loan is of very importance. Normally, the loan tenure is between 5 to 15 years.
Processing fees are a one-time payment made to the bank to process the loan amount. It’s the extra cost incurred for the service charges. This charge is mandatory and has to be paid at the first stages. Usually, the Bank charges a nominal amount of up to 3% of the principal amount as processing fees.
Pre-closure means that the borrower wants to close the complete outstanding amount at one time. Whereas part payment implies that a borrower wants to return only a certain portion of the outstanding amount.
Some banks have a lock-in period of 6 months to a year while some banks enable you to pre-close even after the 1st EMI has been debited from your bank. There may also be restrictions that you can only use your own funds (and not the balance transfer cheque of another bank) to pre-close a loan. In addition, banks may allow pre-closure at no cost or may levy a pre-closure fee (2-5% of the amount being pre-closed).
Some banks may allow part payment while some others may have restrictions on how many times in a year you can part pay and also the minimum and maximum amounts you can part pay.
No foreclosure is allowed before the loan has completed 6 months. However, you can prepay the business loan after having paid 6 EMIs with applicable foreclosure charges (plus Service Tax at the prevailing rate). Foreclosure charges of 5% of the principal outstanding will be charged, if you foreclose the loan before 12 months. Foreclosure charges of 3% of the principal outstanding will be charged post completion of 12 months of the loan. Quick Form for Personal Loan in Delhi NCR.

Loan can be foreclosed by paying the foreclosure amount through a Demand Draft.
You get the benefit of easier documentation if you have a Current / Savings Account. You can avail paying your EMI through Standing Instructions to debit your Bank Account for the loan. This will be taken into consideration at the time of disbursal of the loan.
Working capital: To bridge the working capital gap and foster growth of businesses. Business Expansion: For expansion of manufacturing facilities, increasing product lines, geographical expansion, technology upgrades, forward/backward integration, augmentation of project loan etc. Margin Money Funding: Margin money required for machinery purchase/LC/BG, purchase of business premises, etc. Quick Form for Personal Loan in Delhi NCR.
Generally, the minimum loan amount is 5 lakhs and the maximum amount is 75 lakhs. Higher loan amounts are dependent on a personal discussion that a bank may want to have with the borrower and then take a call on the loan amount.
All business loan repayments happen in the form of an EMI (Equated Monthly Installment) through the borrower’s bank account. The borrower needs to give a few PDCs (Post-dated cheques) and sign an ECS mandate in favour of the bank disbursing the loan.
The rate of interest varies from 16% to 23% and a processing fee of up to 2.5% of the loan amount. In addition, some banks insist on an insurance cover also.
The EMI will be due on a specific date every month. You will be alerted of this time when your loan amount is paid.
Required document list for Business Loan:
  • Complete loan application form with one passport size photograph
  • Valid Proof of Applicant's Identity: Passport, PAN card, Voter identity card, Driving license
  • Proof of Residence: Ration card Tel/ Electricity Bill/ Lease agreement/ Trade license /Passport /Sales Tax certificate
  • Proof of Age: Passport, PAN card, Voter identity card
  • Financial Documents:
  • Last two years financial statements including profit and loss account and balance sheet, last six months bank statements
  • VAT/Service tax returns
  • Partnership deed/MOA
  • Existing loans repayment track record
  • Last 2 Years ITR
It is the security that is pledged with a bank to avail loan, the more the collateral value is, the benefits are more. This gives security for the banks to offer a bigger amount of loan as the risk is low.
Below are the important few criteria to be eligible for a Business Loan from Bank/NBFCs.
  • Age at least 23 and less than 60
  • Self Employed - 5 years in business with 3 Years IT Returns
  • Net Profit should be greater than INR 250,000 p.a.

Advantage with Loanmoney

Loanmoney is one of the leading Loan Agency inDelhi/NCR. We offers all types of Loans & Credit Cards like
Personal Loan,Credit cards, Home Loan, Business Loan and Loan Against Property .

Loan Money's main objective is to provide Best deal with Multiple option with Transparency & safety. We deal with over 35 Banks & NBFC`S, Our main focus is customer satisfaction that's why our customer rate us over 4.8 out of 5 on Google review rating, Its shows our level of commitment & services towards our customers.


  • Expert & Experience Loan Advisor
    We are a team of young and energetic professionals from diverse backgrounds like Ex Bankers, CAs to guide hassle free Loan process and to deliver on commitment.

  • Multi Bank Option
    Loanmoney deals with Over 35 Banks & NBFCs,As per customer profile & financial we will give you minimum 3 best deal for your Personal Loan which is available in the market.

  • Free Door step Service
    Loanmoney doesn't charge anything against the customer for the Service of your Loan and help you to get desire Loan amount with lowest Rate.

  • End to End services
    We are very vibrant and dynamic Loan agency who manage all the processes ourselves from lead sourcing to Loan Disbursal. We work for customer utmost satisfaction.

  • Transparency & Safety
    We will share every terms and conditions related with your Loan process like interest rates, payment tenure, EMI and any other charge applied during Loan process & at before loan disbursement on recorded lines.

  • Referral Program
    Loanmoney offer an attractive scheme for earn extra bucks after getting loan. Any Disburse customer can become our associates &can start earning on referring New customers to Loan Money.

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