Get the Capital You Need, When You Need It
Smart Financing Solutions for Every Business
partner banks
why take a business loan?
A business loan gives you the financial support to grow, expand, and achieve your goals without slowing down. Whether you need funds to upgrade equipment, manage working capital, or expand into new markets, our quick and flexible business loans help you stay ahead of the competition. With low interest rates, simple documentation, and fast approval, you can focus on building your success while we take care of your financing needs. It’s the smart way to unlock new opportunities and take your business to the next level.
Different Types of Loans Available Under Business Loans
Term Loan
Fixed amount borrowed for a specific purpose (short-term or long-term).
Used for expansion, purchasing machinery, or major investments.
.
Working Capital Loan
For managing day-to-day operations, salaries, or cash flow gaps.
Equipment / Machinery Loan
- To purchase or upgrade machinery, tools, or business equipment.
Invoice Financing / Bill Discounting
- Loans provided against unpaid customer invoices to maintain cash flow.
Overdraft Facility / Cash Credit
- Pre-approved limit where businesses can withdraw more than their account balance.
Line of Credit (LOC)
- Flexible credit where you can withdraw funds as needed, paying interest only on the used amount.
Commercial Vehicle Loan
For purchasing trucks, vans, or other vehicles used in business.
Business Credit Cards (Revolving Credit)
Short-term credit option for business-related expenses
Trade / Export Finance
Loans for businesses engaged in imports/exports to fund international trade
Franchise Financing
- Special loans designed for entrepreneurs starting or expanding a franchise business.
✅ Eligibility Criteria for a Business Loan
🔹 General Eligibility:
Age: Minimum 21 years and maximum 65 years (at loan maturity).
Business Vintage: At least 1–3 years of business operations (varies by lender).
Annual Turnover: Must meet the minimum turnover requirement defined by the bank/NBFC.
Credit Score: A good CIBIL score (650 or above) for faster approvals and better interest rates.
Business Type: Sole proprietorship, partnership firm, private limited company, LLP, or closely held company.
🔹 For Self-Employed Professionals:
Doctors, architects, chartered accountants, and similar professionals may also qualify with stable income proof.
🔹 Income Proof:
teady income and repayment capacity are required to be eligible for the loan amount.
📑 Documents Required for a Business Loan
🔹 Identity & Address Proof (KYC)
Aadhaar Card / PAN Card / Passport / Voter ID / Driving License
Utility bills, rental agreement, or other valid address proof
🔹Business Proof
GST Registration Certificate
Business Incorporation / Registration Certificate
Partnership Deed, MOA, or AOA (for companies)
Trade License / Shop & Establishment Certificate
🔹 Financial Documents
Last 6–12 months of Bank Statements
Income Tax Returns for the last 2–3 years
CA-certified Balance Sheet and Profit & Loss Statement
Audit Report (if applicable)
🔹 Other Supporting Documents
Passport-size Photographs of Applicant(s)
Business Plan or Loan Proposal (for startups/expansion)
Existing Loan Statements (if any)
why choose us ??
At Easypaise , we make borrowing simple, transparent, and stress-free. With access to multiple banks and financial institutions, we help you find the best loan with low interest rates, flexible EMI options, and quick approval. Whether you need a home loan, personal loan, business loan, or automobile loan, our expert team guides you at every step to ensure a smooth process. Trusted by thousands of customers, we focus on fast documentation, transparent service, and reliable support, so you can get the right loan without the hassle.