Funding that keeps your business moving
Stock, equipment, expansion or a cash-flow gap — tell us what your business needs and we'll connect you with lenders that fit.
- Loan amount
- ₹50,000 – ₹50 lakh
- Interest rate
- From ~14% p.a.*
- Tenure
- 12 – 60 months
- Collateral
- Usually not required
* Indicative figures. Final terms are set by the lender.
EMI calculator
Monthly EMI
₹18,076
- Principal
- ₹5,00,000
- Interest
- ₹1,50,743
- Total payable
- ₹6,50,743
Illustrative, using the reducing-balance method. Your actual rate and EMI are set by the lender.
How to apply
Apply for a business loan online
Three simple steps, all from your phone.
- 1
Enter your mobile number and verify it with an OTP
- 2
Tell us about your income and the amount you need
- 3
Compare matched offers and continue with the lender you choose
Apply online
Check your business loan offers
Share a few details and we'll match you against every lending partner's criteria. It's free, and it won't affect your credit score.
- Takes about two minutes
- Only RBI-regulated banks and NBFCs
- No charges to you, ever
- Your details are shared only with the lenders you're matched to
Documents required
Lenders may ask for more depending on your profile.
- KYC
- PAN and Aadhaar of the proprietor
- Business proof
- GST registration, Udyam certificate or shop licence
- Financials
- ITR with computation for the last 2 years
- Bank statement
- Last 6–12 months of the business account
- Entity KYC
- Company/firm PAN, partnership deed or MoA & AoA
- Promoter KYC
- PAN and Aadhaar of partners/directors
- Financials
- Audited financials for the last 2 years
- Bank statement
- Last 12 months of the current account
Eligibility criteria
Typical requirements. Each lender applies its own rules.
Business vintage: At least 2 years of operations
Annual turnover: Usually ₹10 lakh or more
Age of promoter: 24 to 65 years
Credit score: 700+ for the business owner
Profitability: Profit in at least the last financial year
Fees & charges
Know the full cost upfront
Compare the Annual Percentage Rate (APR) in each lender's Key Fact Statement, not just the interest rate.
| Charge | Typical range* |
|---|---|
| Interest rate | Around 14% – 30% p.a., based on business profile |
| Processing fee | Typically 1% – 3% of the loan amount + GST |
| Foreclosure | Nil – 5% of outstanding principal |
| Late payment | Typically 2% – 3% per month on the overdue amount |
| CredoCash service fee | ₹0 — we never charge borrowers |
* Indicative market ranges, set by the lender and subject to change. GST applies where stated.
How CredoCash works
We do the matching. You stay in control.
Share your details once
Create your CredoCash account and tell us what you need. It takes about five minutes.
We match you with lenders
Our rules engine checks your profile against each partner's criteria, so you only see lenders likely to approve you.
You choose and apply
Pick an offer and complete KYC with the lender. The lender approves, sets the terms and disburses directly to you.
Before you apply
Things to know
Keep GST and ITR filings current
Lenders rely on filed returns to assess turnover. Delayed filings are one of the most common reasons for rejection.
Match tenure to use
Use short tenures for working capital and longer tenures for equipment or expansion, so repayments line up with the returns.
Check for government schemes
Eligible MSMEs can get collateral-free credit under CGTMSE-backed loans. Ask your lender whether you qualify.
Lending partners
Business Loan partners
We're onboarding business loan partners. Share your requirement and our team will help you find the right lender.
FAQs
Business Loan questions
Can a new business get a loan?
Most lenders need at least 2 years of business history. Newer businesses may qualify for smaller amounts or government-backed schemes.
Is collateral required?
Most business loans offered through our partners are unsecured. Larger amounts may need security or a guarantor.
How is the business loan amount decided?
Lenders look at turnover, profit, banking behaviour, existing loans and the owner's credit history.
Do you charge any fee for business loans?
No. CredoCash does not charge borrowers. Any processing fee is charged by the lender and shown in the Key Fact Statement.
No fees · No credit score impact
Find a Loan That Fits Your Needs
Compare offers from RBI-regulated lenders in a few minutes. It's free, and checking offers won't affect your credit score.