Grow Your Business

Fuel Your Business Growth with Flexible Financing

Get business loans up to $500,000 with competitive rates starting from 9.5% p.a. Quick approval, flexible repayment, and dedicated business banking support for your entrepreneurial journey.

Funding Calculator Check Eligibility
Business Loan

Why Choose Our Business Loans?

Features designed to support your business growth and financial needs

Flexible Repayment

Choose daily, weekly, or monthly repayment options

Quick Disbursement

Funds transferred within 48-72 hours of approval

Competitive Rates

Interest rates starting from 9.5% with flexible options

No Collateral

Unsecured loans up to $100,000 for established businesses

Business Loans for Every Size

Tailored financing solutions for businesses of all scales

Startups & MSMEs

Perfect for new businesses and small enterprises

  • Loan: $10K - $100K
  • Rate: 11% - 15% p.a.
  • Collateral: Not required

Large Enterprises

For established corporations and large businesses

  • Loan: $500K - $5M
  • Rate: 8.5% - 10% p.a.
  • Collateral: Required

SMEs & Mid-Sized

For growing businesses with established operations

  • Loan: $100K - $500K
  • Rate: 9.5% - 12% p.a.
  • Collateral: Partial required

Business Funding Calculator

Calculate how much funding your business can get

50,000 500,000 5,000,000
10,000 100,000 500,000

Your Funding Options

Maximum Eligible Funding

$0
Based on business profile
Monthly EMI $0
Processing Fee $0
Total Interest $0
Total Repayment $0

Eligibility based on 25% of annual revenue, business age, and type. Collateral may be required for higher amounts.

Types of Business Loans

Choose the right financing solution for your business needs

From 9.5%

Commercial Real Estate

Purchase, construct, or renovate commercial property.

  • Up to $1,000,000
  • Long tenure available
  • Property as collateral
From 10.0%

Inventory Financing

Purchase inventory, raw materials, or stock for your business.

  • Seasonal financing options
  • Inventory as collateral
  • Quick processing
From 10.5%

Equipment Financing

Purchase or lease machinery, vehicles, and business equipment.

  • Up to 90% of equipment cost
  • Equipment as collateral
  • Tax benefits available
From 9.5%

Working Capital Loan

Finance daily operations, manage cash flow gaps, and meet short-term expenses.

  • Up to $100,000
  • Quick disbursement
  • Flexible repayment
From 11.5%

Startup Business Loan

Launch or expand your startup with specialized financing options.

  • Up to $50,000
  • Business plan required
  • Mentorship support
From 9.8%

Invoice Financing

Get advance on your unpaid invoices to improve cash flow.

  • Up to 90% of invoice value
  • Creditworthy customers
  • Flexible terms

Business Loan Eligibility

Minimum Business Age

6 Months*

*3 years for unsecured loans
Credit Score

650+

Profitability

Last 2 Years

Minimum Revenue

$50,000 p.a.

Eligibility by Business Type:
  • Sole Proprietorship
  • Partnership Firms
  • Private Limited Companies
  • LLPs and Public Companies

Startups may qualify with strong business plan and promoter investment

Required Documents

  • PAN Card of Business & Partners
  • Address Proof of Business Premises
  • KYC Documents of Promoters/Partners
  • Photographs of Promoters/Partners

  • Business Registration Certificate
  • GST Registration Certificate
  • MOA & AOA (for companies)
  • Trade License/Shops Act Registration

  • Audited Financials (last 2-3 years)
  • ITR of Business & Partners (last 2-3 years)
  • Bank Statements (last 6-12 months)
  • Projected Financial Statements

Business Loan Interest Rates

Competitive rates based on business profile and loan type

Loan Type Interest Rate Range Processing Fee Loan Amount Tenure
Working Capital Loan 9.5% - 12.5% p.a. 1% - 2% $10K - $500K 6 - 36 months
Equipment Financing 10.5% - 13.5% p.a. 1.5% - 2% Up to 90% of equipment cost 12 - 60 months
Startup Business Loan 11.5% - 15% p.a. 2% - 3% $5K - $50K 12 - 36 months
Inventory Financing 10% - 13% p.a. 1% - 1.5% Up to 80% of inventory value 3 - 12 months
Invoice Financing 9.8% - 12.8% p.a. 1% - 1.5% Up to 90% of invoice value 30 - 180 days
Commercial Real Estate 9.5% - 11.5% p.a. 1% - 2% $50K - $1M 5 - 20 years

Rates vary based on business credit score, financial health, collateral, and relationship with Prime Capital. Lower rates available for existing customers and businesses with strong financials.

Apply for Business Loan

Fuel your business growth with our flexible financing solutions

Our business banking specialist will contact you within 24 hours to discuss your funding needs

Business Loan FAQs

Common questions about business financing

For complete applications with all documents, we typically approve business loans within 3-5 working days. Working capital loans can be approved within 48 hours for eligible businesses. Disbursement happens within 24-48 hours after approval and documentation completion.

Yes, we have specialized startup business loans. Startups need a strong business plan, promoter investment of at least 20-25%, and sometimes collateral or personal guarantees. We also consider factors like founder experience, market potential, and innovation. We offer mentorship along with financing for promising startups.

Yes, we allow prepayment of business loans. For floating rate loans, you can prepay after 6 months with a nominal charge of 1-2% on the outstanding amount. No prepayment charges apply after 12 months. For fixed rate loans, prepayment charges of 2-3% may apply if prepaid within the first 2-3 years.

We prefer a credit score of 650 or above for business loans. However, we consider businesses with scores between 600-650 on a case-by-case basis, especially if they have strong business financials, collateral, or are in specific industries. For startups, we focus more on the business plan and promoter profile.

Yes, business loan interest is tax-deductible as a business expense under Section 37(1) of the Income Tax Act. The entire interest paid during the year can be deducted from your business income. Additionally, if the loan is used for business expansion, certain deductions may apply. We recommend consulting with your tax advisor for specific benefits.

It depends on the loan amount and business profile. For loans up to $100,000, established businesses with good financials may qualify for unsecured loans. For higher amounts or startups, collateral (property, equipment, inventory, or guarantees) is typically required. We also offer collateral-free loans under government schemes for eligible businesses.

Ready to Grow Your Business?

Our business banking specialists are available to help you find the perfect financing solution tailored to your business needs.

Call Business Desk: +86 178 9035 4691 Schedule Consultation