Multiple banks. Different interest rates. Call it a "conflict of interest".
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    We found 31 Small Business Loans

    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    11.49% - 15.99% Fixed
    0.5%
    30L Max
    1-5 Years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Ad
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    10.99% - 14.49% Fixed
    0
    30L Max
    1-5 years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Ad
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    Customer Reviews
    12% - 18% Fixed
    Up to 1.5% One time fee
    15L Max
    1-5 years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free INSTANT DECISION
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    11.99% - 19.50% Fixed
    0 One time fee
    20L Max
    1-6 Years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval option available
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    13.99% - 16.99% Fixed
    1% - 2% One time fee
    20L Max
    1-5 years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless Approval Option Available
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    11.00% - 17.99% Fixed
    2.25% (min. ₹1149) One time fee
    20L Max
    1-5 Years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval option available
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    Customer Reviews
    10.85% - 11.85% Floating
    0.5% One time fee
    50 K - 10 L
    1-5 Years
    Response Time Within 30 minutes
    Guarantor Required Paperless approval option available
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    10.99% - 19.8% Fixed
    Up to 2.5% One time fee
    25L Max
    1-5 years
    Response Time Within 30 minutes
    Paperless approval option available
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    11.99% - 19% Fixed
    Up to ₹3000 One time fee
    25L Max
    1-5 years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval option available
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    Customer Reviews
    17.25% - 37% Fixed
    1.5% to 6.0% One time fee
    15L Max
    1-4 Years
    Response Time Within 30 minutes
    Paperless approval option available
    What you'll love
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    11.49% - 20.15% Fixed
    Up to 2%
    15L Max
    1-5 years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free
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    Customer Reviews
    11.5% - 13.25% Fixed
    0 One time fee
    30L Max
    1-5 Years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free
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    Small Business Loans is Rated as "Great!" by 76020 Users

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    Personal Loan BYTES FROM OUR KITCHEN

    What are small business loans?

    Unlike lending to individual consumers, small-business lending is, by and large, considered comparatively complex in addition to being more competitive.

    Small business loans, offered to small business units to enable them to efficiently and successfully run their units, are also characterised by various incentives aimed at reducing their expenditure.

    Several lenders provide secured loans with tenures ranging from three to five years to small business units catering to various business requirements such as working capital requirement, purchase of state-of-art industrial equipment, expansion of business units, start-ups, upgradation of technology and establishment of new buildings among many others. Some financial institutions may offer various products such as overdraft facilities for the benefit of customers.

    Perfect Personal Loan Deals for you

    Small-business loans took a beating post the 2008 financial crisis with several major banks staying away from doling out loans. However, subsequently, the small-business loans market has seen an upswing with several financial services firms and institutions providing loans. According to market experts, small business loans for start ups have a high risk factor. Nevertheless, small business establishments can acquire loans provided certain requirements are in place such as robust equity to sustain the business operations, working capital and timely and efficient resource management among many others. The lender after reviewing cash flow projections and financial statements gauges your ability to repay loans in the long-term.

    Things to do before applying for small business loans

    The borrower has to consider all costs associated with setting up a new unit such as product inventory, manufacturing equipment and raw materials. Other costs include establishing legal structure and trademarks in addition to several administrative costs such as business insurance, postage, product packaging, utilities and rent. In this day and age, one has to also consider costs associated with computer hardware and software, maintenance and internet access among others.

    Different banks have different requirements to provide small business loans with the exception of some some basic documentation.

    • Some of the financial documents requested by most banks include financial statements of the past two or three years, balance sheets, income statements in addition to the current financial statements.
    • Also, one has to maintain records of accounts payable and accounts receivable among others.
    • Companies should review their business profiles, analyze their credit requirement and work on a blueprint on how to payback their loans.
    • The lender may ask the borrower to not only submit a profile of the company in terms of its size and products but also profiles of owners or members of the management.
    • The borrowers may enquire about the kind of industry the business unit caters to, product(s) or service(s) offered, annual sales, growth estimates, headcount in terms of the total number of employees in the business unit, the estimated volume of customers, account keeping, and delivery mechanisms among many others.
    Personal Loan Offers

    Eligibility criteria for small business loans

    The following is the broad eligibility criteria for availing of small business loans in India. The main requirements for acquiring small business loans are the following:

    • Credit history: Borrowers should be aware of their credit report to ensure that it’s up-to-date and accurate. Having a sound credit history is of paramount importance to ensure that lending institutions are favourable to providing finance for your business unit. Financial institutions review your credit report before reviewing and subsequently approving or rejecting your loan application.
    • Business feasibility: You have to make profit and loss projections for up to a year in some cases. One has to follow industry standards while projecting your profits and losses. If you don't follow industry standards, or you don't know what those standards are, try to make explicit any assumptions you are factoring into your projection. Borrowers have to prepare detailed pro-forma statements which has to include projections to help lenders gauge the feasibility of the project or unit in the near future.
    • Business plan: One of the key determinants which will play a key role in acquiring a small business loan is a robust business plan. The lender needs to be convinced that the business proposition is sound in terms of financial viability. The lending institution must be satisfied with the overall plan layout including capital estimates for start-ups, operations outflow in terms of employees and marketing, assets in terms of infrastructure and equipment and the capacity to pay off debts.

    Features of small business loans

    Small business loans can be either backed by assets in that some assets are offered as collaterals, based on which a loan is sanctioned typically with comparatively low interest rates. Small business loans can also be backed by cash flow in that loans are provided depending on revenue streams, business model and balance sheets and at comparatively higher rates. Several public sector banks such as the State Bank of India, Bank of Baroda, Punjab National Bank and private banks namely ICICI, HDFC and Axis among others offer small business loans to gain a foothold into the rural and semi-urban markets.

    While the aforementioned banks have the incredible opportunity to tap into hitherto untouched or virgin territories and gain access to an under-banked population, they also face several challenges in that there are various risks involved such as non performing assets, inadequate capital and even low profitability among many others. According to a recent government report, 5.8% of small business units in the country receive finance by finance institutions, 2.05% get funding by non-institutional streams while 92.77% are self-funded.

    Small business loans from banks

    Most banks offer loans to small businesses if they get clear profit estimates, failing which, it may prove to be an uphill task for investors to acquire a loan. Several banks in India offer business loans of various types and categories for the benefit of customers. For instance, IDBI Bank provides finance to MSMEs including a wide array of products and services such as listed below.

    • Vendor Finance: Offers working capital and bills discounting facility.
    • Collateral Free Loans: Credit for up to Rs. 1 crore sans collaterals.
    • Sulabh Vyapar Loan: Loans to traders at attractive rates.
    • Dealer Finance: To provide Liquidity to the distribution chain partners.
    • Medical practitioners: Finance to doctors for establishing clinic or buying equipments.
    • Laghu Udhyami Credit Cards: Finance to small retail traders, artisans and MSE units.
    • Professionals & Self-employed: Scheme for professionals and self-employed.
    • Credit card receivables: Offering finance against payments through credit/debit cards.
    • Loan against property: Finance against property for business needs.
    • SME Smart Line of Credit: Finance via pre-approved credit limits.
    • Small Road & Water Transport Operators: Helps transport operators get vehicles.

    Some other examples of banks offering finance to small business units include ICICI Bank which offers ‘office equipment loans' (Rs. 30,000) for a period of 12 to 36 months on the basis of collateral provided. GE Money India provides personal loans to small business units at at 16 per cent. Also, Fullerton India offers vyapaar scheme for the self-employed and small business units with a turnover of less than a Rs. 2.5 crore. Citibank provides loans up to Rs. 25 lakh sans collaterals in addition to unsecured overdraft for around Rs. 2 crores. Intriguingly, interest is charged only on the loan amount used by the borrower. Oriental Bank of Commerce provides loans for up to Rs. 25 lakh sans collaterals depending on the proven track record of the borrower.

    Small business loans in India

    Banks in India are increasingly tweaking their lending models to make them flexible to provide more loans to small business units. Bankers are also considering ‘credit surrogates' to increase lending to small business units.

    Intriguingly, several banks in the country have 'pre-approved loans' to facilitate greater ease of transactions. What’s more, loans are also being provided against stocks and mutual funds among many other assets. Several banks are offering products to suit specific requirements of a profession. For example, ICICI and HDFC provide loans to transporters. Likewise, several banks have created products to offer loans for pharmaceuticals, gems, construction and tourism among others. Several leading banks are acknowledging that there is a huge market to be tapped in the unorganised sector in tier-II cities, towns and rural areas such as shopkeepers, traders and commission agents (who typically look for EMI-based personal loans sans collaterals), to name a few.

    According to conservative estimates, small business units in the country offer employment to over 106 million. Also, a small percentage of over 57 million small business units across India are supported by institutional finance, leaving the rest to fall prey to private lenders. The government, therefore, has mooted several measures to come to the rescue of small business units. The central government set up the National Manufacturing Competitiveness Council to boost the manufacturing sector. The Reserve Bank of India (RBI) also plans to issue some guidelines to banks to offer more small business loans including reducing interest rates. Banks have been asked to register a 20 per cent year-on-year growth in terms of offering credit to small enterprises.

    What’s more, the current central government has instituted a separate ministry for SMEs (MSME). The government also announced India Opportunity Fund running over 800 million USD (via SIDBI) to help small business units. The National Small Industries Corporation Limited (NSIC) facilitates distribution of products and raise awareness of technology in small units. It is common knowledge that the National Bank for Agriculture and Rural Development (NABARD) provides credit facilities to cottage industries. Also, the World Association for Small and Medium Enterprises (WASME) India chapter supports small business units.

    Types of small business loans in India

    The MUDRA (Micro Units Development and Refinance Agency Ltd) Yojana launched this year offers loans for up to Rs. 10 lakh at low interest rates. MUDRA will cater to over 5 crore self-employed persons. The Pradhan Mantri Mudra Yojana, which currently has around Rs. 20,000 crore at its disposal, would be a subsidiary of SIDBI.

    Some of the different kinds of business loans offered in India are the following:

    • Government: As mentioned above, government has mooted special schemes to boost the capacity of small business units across the country. Loans are provided to the elderly, minorities, factory equipment or office expenditures among many others.
    • Micro loans: The maximum repayment term is six years. Micro loans are offered provided there is a robust business plan and a profitable venture.
    • Business organizations: Large business conglomerates can offer finance assistance to small business units provided the latter show potential for growth and are lucrative in terms turnover to repay the loan amount. Some examples include franchise loans and export financing. Documents required include a sound business plan, financial status report, credit ratings and cash flow projections among many others.
    • Personal loans: Several banks offer personal loans anywhere from Rs. 10 to 25 lakh which are typically unsecured at 18 to 24%. The loans are repaid through instalments.
    • Professional loans: These are unsecured loans provided to self-employed professionals such as chartered accountants, company secretary, doctors and so forth. It does not encompass manufacturing and processing units. The loan amount varies from Rs. 25,000 to Rs. 25 lakh depending on the financial status of the applicant, loan tenure and repayment capacity at a rate of interest which depends on the prime lending rate.
    • Project Finance: Provided for new long-term infrastructure or industrial projects with flexible repayment terms on the basis of the project assessment report.
    • Equipment Finance: Provided to buy new equipment or lease equipment for business units.
    • Working Capital Loans: Provided for daily business needs for smooth functioning of the units.
    • Bill discounting: Provided to ensure that your unit discounts bills before the maturity date.
    • Lease rental: Provides term loan against lease contracts to facilitate business requirements.
    • Financial advisory: Provided for assistance by financial experts.
    • Insurance: Provides finance for insurance solutions for better safety.
    • Trade loans: Provided to traders for starting a new business enterprise or expand the current business unit. The loan is repaid through Equated Monthly Installments or EMIs. The rate of interest is based on the prime lending rate (fixed and fluctuating). Some banks ask customers to submit collaterals such as land. National Savings Certificates, life insurance policies in addition to shares and bonds among others are also accepted against which loans could be provided.

    News About Small Business Loans

    • Government has disbursed Rs.60.9 CR Loans to women SHGS in the last 13 years

      In an attempt to empower women in the country and offer financial support, the government has recorded disbursing loans worth Rs.60.9 crore over the last 13 years to women categorized under the SHGs (self-help groups), under Chhattisgarh Mahila Kosh. Constituted in 2002 to empower women, a year later women were given loans of Rs.5,000 but in 2012-2013, the margin has increased to Rs.50,000 at an interest rate of 3%. Women were given a maximum repayment tenure of 36 months, and commencement of the repayment started three months after the sanction of the loan.

      2nd January 2017

    • State Bank of Travancore Bags MSME Award

      State Bank of Travancore (SBT) recently won the award for national excellence under the MSME (micro, small and medium enterprises) loan category for the year 2016. The award was presented to State Bank of Travancore at the conference cum awards ceremony organized by the Federation of Industry Trade & Services which was held with the focus of enabling MSMEs.

      10th May 2016

    • Mahila Bank to offer Loans for Women Empowerment

      Bharatiya Mahila Bank is committed on improving the economic condition of women, especially in the rural areas. The bank offers special products to encourage women entrepreneurs to contribute for the economic growth of the country. The bank’s executive director S. M. Swathi said that the bank provides SME Easy Loan for the small and medium enterprises. Micro credits, loans are also provided to Self Help Groups and Joint Liability Groups. It also extends credit facilities for the purchase of cows, construction of toilets, buying of solar lanterns and purchase of e-Rickshaws.

      11th December 2015

    • Shriram Transport Finance to gain on SME Loans

      A mid-level non-banking financial institution, Shriram Transport Finance had started off providing loans to its customers based on vehicles required for the purpose of business. Six months ago, the lender moved into the area of providing loans for the SME segment. Having traits of a personal loan, these loans are secured against property and are provided to long-standing customers of STF.

      The average ticket size of such loans will be around INR 1000000 and the rate of interest charged will be around 17 to 18 per cent per annum. The thirty-year old lender is confident that around 10% of its existing customer base of two million entities will boost its SME loans segment in the next five years.

      8th December 2015

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  • Small Business Loans Reviews

    • Bank Bazaar Customer Support
      "Love to Use Bank Bazaar website"
      0.5 4.0/5 "Great!"
      I am happy with Bank Bazaar, whatever the coordination which they gave is great. I love Bank Bazaar website always to use. Its very convenient to use and access. It has all options to check on financial needs. But I would like to suggest, Bank Bazaar executives should be more clear with their process.
      Was this review helpful? 1
      , kolkata
      Reviewed on Jun 23, 2017
    • ICICI Bank Personal Loan
      "Response part has to be improved"
      0.5 2.0/5 "Expected more"
      Due to improper coordination from ICICI, the loan application got closed. From Bank end there was no response on right time. They reached me after three days of my request and collected the documents finally it got closed without any intimation.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 23, 2017
    • HDFC Bank Personal Loan
      "Instant loan "
      0.5 4.0/5 "Great!"
      They have started a new process with the HDFC personal loan. We can apply the Personal Loan through net banking and we just need to apply the documents in the portal and within 15 hours they have provided me a credentials id & password where I have tracked my personal loan application . The loan got approved within 24 hours of time. The banking service is really good and giving instant service to the customers. I am happy about the loan amount. The required amount has been given by HDFC bank. The Value added service like vouchers and online purchasing offers were given. The rate of interest is nominal with HDFC bank.
      Was this review helpful? 0
      , lucknow
      Reviewed on Jun 23, 2017
    • Bank Bazaar Customer Support
      "Customer oriented service"
      0.5 5.0/5 "Blown Away!"
      The bank bazaar gives a prompt response and the regular follow to their customers. I really appreciate the bank bazaar effort which was given to the customer in terms the service, follow up in any case. The customer service and the response is really good with bank bazaar. The bank bazaar web site is easy to use and user friendly.
      Was this review helpful? 0
      , lucknow
      Reviewed on Jun 23, 2017
    • HDFC Bank Personal Loan
      "They be clear about the percentage"
      0.5 4.0/5 "Great!"
      HDFC charged me 14.75% of interest for the amount of Rs.5 lakhs it is higher side compared to other competitor. But Initially they committed they were providing around 11% but finally it was processed it for 14.75%, But I am happy with their service, they done fast loan. process. I would like to suggest them, to clear information about the interest rates.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • Bank Bazaar Customer Support
      "Overall good"
      0.5 4.0/5 "Great!"
      The customer services are good and very much satisfactory at Bankbazaar. I was contacted instantly and the process is smooth. The website is overall good, it would be better if there are more options of banks on the portal to choose from with a lesser rate of interest.
      Was this review helpful? 0
      , ernakulam
      Reviewed on Jun 23, 2017
    • ICICI Bank Personal Loan
      "Below average service"
      0.5 1.0/5 "Really Bad"
      I haven't got any kind of response from the ICICI bank . It was me who took initiative and made a follow up with the ICICI bank executives to get the personal loan but still no one gave proper responsefrom ICICI bank, that was the reason I haven't proceed my personal loan application with ICICI bank. The rate of interest is bit high , when compared with others. I would say it was a below average service.
      Was this review helpful? 0
      , lucknow
      Reviewed on Jun 23, 2017
    • ICICI Bank Personal Loan
      "High on ROI & charges"
      0.5 3.0/5 "Satisfactory"
      I did not go ahead with ICICI Bank because I was offered a high rate of interest. I got a rate of around 15% where as I was getting lesser rates from other banks for the personal loan. The services and response was on time and there were couple of follow up calls too.
      Was this review helpful? 0
      , ernakulam
      Reviewed on Jun 23, 2017
    • Bank Bazaar Customer Support
      "Userfriendly website"
      0.5 4.0/5 "Great!"
      As per the loan application status, Bank Bazaar gave me good follow up and I got good response from Bank Bazaar. I am using Bank Bazaar website is good to compare the interest rate. I would like to suggest Bank Bazaar should give multiple option, so the customer will have a choice to chose an another bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • ICICI Bank Personal Loan
      "Loan process should be fleixible"
      0.5 2.0/5 "Expected more"
      ICICI was looking for last six bank transactions, I have an account with SBI but I have a transaction around five years. Hence ICICI have rejected my personal loan application. I have submitted all of my documents, they have check my credit score as well finally they rejected it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • Bank Bazaar Customer Support
      "Good service"
      0.5 5.0/5 "Blown Away!"
      Excellent very very good service provided by bank bazaar .com and very very happy for simple loan apply process and sanction your amount and fast service and any executive service and fast information & loan section and comfortable with any language.
      Was this review helpful? 1
      , patna
      Reviewed on Jun 23, 2017
    • Bank Bazaar Customer Support
      "The best"
      0.5 5.0/5 "Blown Away!"
      The services at Bankbazaar has been great and the process is smooth. They are very professional and they are the best in handling a customer. The follow up calls was much and they showed interest and they valued the customer. The website is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • Bank Bazaar Customer Support
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      Bank Bazaar is an excellent service provider, I am getting good and satisfactory service. Whenever I looks for any financial products through Bank Bazaar. I am happy about that, I came to know Bank Bazaar through google search. I have been using it for three years its good.
      Was this review helpful? 0
      , noida
      Reviewed on Jun 23, 2017
    • Bank Bazaar Customer Support
      "Perfect service"
      0.5 5.0/5 "Blown Away!"
      My friend has referred me to go with bank bazaar to get an credit card and I have downloaded bank bazaar mobile application and I have started applying for credit cards and personal loan. The bank bazaar mobile application is easy to use and user friendly rather I would say it is also useful for the financial management,. The customer service with bank bazaar is very good and supportive to the customers.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 23, 2017
    • ICICI Bank Personal Loan
      "Better Service"
      0.5 4.0/5 "Great!"
      The ICICI bank gave a call and asked me from which company I am receiving the salary and I told my company name but I am receiving the salary from 2 different company names , so very next day I got a text from ICICI bank saying that My personal loan application got cancelled. The customer service and the response was good with ICICI bank. The rate of interest is nominal with ICICI bank. I would say it was an average service from ICICI bank.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 23, 2017
    • Standard Chartered Bank Personal Loan
      "Looking for better feature"
      0.5 3.0/5 "Satisfactory"
      Standard Chartered customer service is good, when I applied for the personal loan they called and collected my documents. They done a verification process over the phone call but they have not visited my place to verification. Loan process got delay, Then I almost waited for two weeks, the time which they committed to disbursed the amount, I did not receive it and finally my application got closed.
      Was this review helpful? 0
      , noida
      Reviewed on Jun 23, 2017
    • Bank Bazaar Customer Support
      "Very Good service"
      0.5 4.0/5 "Great!"
      Looks like the site is loaded with full of information. I am expecting bankbazaar to bring in more partner banks. I got to know about bankbazaar through advertisements. I am with bankbazaar for a long time. I had applied for a personal loan through this channel the site is very much easy to use and user friendly.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 23, 2017
    • Standard Chartered Bank Personal Loan
      "Satisfactory service"
      0.5 4.0/5 "Great!"
      SCB took around a week's time to disburse my personal loan. Both customer service and response e was really good with SCB. I initially approached online and later changed the channel and I got the loan through some other channel. Rate of interest is very much nominal with SCB. The required loan amount was disbursed by SCB and I am very much happy about it.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 23, 2017
    • HDFC Bank Personal Loan
      "Good experience"
      0.5 5.0/5 "Blown Away!"
      My personal loan is from HDFC Bank and the I got the loan in a jiffy. The bank has offered me a good deal on the interest rate and they were decent in the charges as well. The paper work is simple and overall I have no issues even for the after loan services.
      Was this review helpful? 0
      , nagpur
      Reviewed on Jun 23, 2017
    • Standard Chartered Bank Personal Loan
      "Dissatisfied service"
      0.5 1.0/5 "Really Bad"
      First time I received a call from Standard chartered and they visited took my document from me. Then there was no response from Standard chartered end, their customer service is very bad, after getting my documents they didn't communicate anything about the application status.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 23, 2017
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