< meta name='twitter:title' content = 'Best Business Loan with Low Interest Rate Upto 20 Lakh' >

Apply Business Loan up to Rs. 2 Crore @8.75%

Apply Home Loan of up to Rs. 15 crore @8.5%

Support

Eligibility Criteria – Business Loan up to ₹20 Lakh with low interest rates

To apply for a business loan with low interest rates through ZetBanker, you must meet the following basic eligibility criteria:

  1. MSMEs and Small Businesses across various industries in India
  2. Applicant must be between 21 and 60 years of age
  3. Business must be operational for at least 1 year
  4. Minimum monthly turnover as per lender’s criteria
  5. A CIBIL score of 700 or above is preferred
  6. A good credit history improves loan approval chances and interest rates
  7. Business must be registered and operating in India
  8. Basic income proof, bank statements, and KYC documents required
  9. Paperless verification through Aadhaar-linked banking preferred

Eligibility may vary slightly depending on the lender's specific criteria. Don’t worryZetBanker helps you match with the best available loan offers based on your profile.

 

Key Highlights of Business Loan with Low Interest Rate

Here’s why thousands of business owners choose ZetBanker for fast and affordable business financing:

  1. Get funding from ₹1 Lakh to ₹20 Lakh based on your credit and business profile.
  2. Interest rates starting from 9.5% p.a., helping you save more on EMIs.
  3. Fast processing with instant eligibility check and minimal wait time.
  4. Apply online with zero physical paperwork — completely digital process.
  5. No lengthy paperwork — just basic KYC and financials based on your profile.
  6. Repayment options ranging from 1 year to 5 years, customized to your needs.
  7. Transparent terms with zero hidden fees or surprise costs.

 

Top Features of Unsecured Business Loans for Easy & Fast Funding

No Collateral Needed

No need to pledge any assets like property or equipment, making it ideal for small or new businesses with limited resources.

Quick Processing

Loans are processed and disbursed quickly, often within 24–72 hours, due to minimal paperwork and simplified procedures.

Flexible Loan Usage

Funds can be used for any business purpose such as working capital, expansion, inventory, or equipment purchases.

Short to Medium Tenure

Repayment tenures usually range from 1 to 5 years, offering flexibility to manage EMIs according to business cash flow.

Minimal Documentation

Basic KYC, business proof, bank statements, and ITRs usually suffice. No need for asset-related paperwork.

Credit Score Based Approval

A good credit score (650+) improves approval chances and may help secure better loan terms and lower interest rates.

📝Documents Required for Business Loan with Low Interest Rate

For Sole Proprietorship Business

  1. PAN Card & Aadhaar – ID and address proof of the proprietor.
  2. PAN Card & Aadhaar – ID and address proof of the co-applicant.
  3. GST Certificate – Proof of business registration.(if available)
  4. Trade Licance- 2-3 Years Trade Licance
  5. Bank Statements : Last 6 to 12 Months Bank Statements.
  6. ITR (1–2 years): Demonstrates income and repayment capacity.
  7. Utility Bill or Rent Agreement: Proof of business address.
  8. Photo: Photo of applicant and Co Applicant

 

For Partnership Firm

  1. Partnership Deed – Legal proof of firm formation and partners.
  2. PAN Card (Firm & Partners) – ID proof for tax and credit checks.
  3. GST Certificate / Business License – Valid business registration.
  4. Bank Statements (6–12 months) – Reflects business financial activity.
  5. ITR (Last 2 years) – Supports income verification.
  6. Address Proof – Office utility bill or rental agreement.
  7. Trade Licance- 2-3 Years Trade Licance
  8. Photo: Photo of applicant and Co Applicant

 

For Private Limited Company / LLP

  1. Certificate of Incorporation: Confirms legal registration of company.
  2. PAN & TAN of Company: Required for taxation and loan application.
  3. MoA & AoA / LLP Agreement: Details company objectives and structure.
  4. GST Registration: Business tax registration document.
  5. Director KYC (PAN, Aadhaar): Identity proof of key stakeholders.
  6. Bank Statements (6–12 months): Proves operational turnover.
  7. ITR + Audit Report (Last 2 years): Demonstrates financial health.
  8. Office Address Proof:  Utility bill, lease, or rent agreement.

 

📝 How to Apply for Business Loan with Low Interest Rate

  1. Click on the "Apply Now" Button
    Start your application by clicking the "Apply Now" button visible on this page.
  2. Provide Basic Business Information
    Enter your business name, type, and basic details, then click ‘Submit and Next’.
  3. Fill Out Personal Information
    Enter the applicant's name, contact details, and PAN/Aadhaar info, then click ‘Submit and Next’.
  4. Upload Required Documents
    Upload your business registration, bank statements, and identity proofs, then click ‘Submit and Next’.
  5. Receive Loan Approval Email
    Once reviewed, you will receive an email confirmation of your loan approval.
  6. Confirm Disbursement Details
    Review and confirm your loan amount, EMI plan, and disbursement preferences.
  7. Get Funds in Your Bank Within 24 Hours
    After confirmation, the loan amount will be credited to your account within 24 working hours.

Need help to get Business Loan faster ?

Get your Business Loan approved faster with our expert guidance, minimal paperwork, and quick processing. Start growing your business today—apply now!

Apply Online Now

Do you have any question? Well, we'll help to get answers.

We take pride in assisting you by providing answers to all your queries. You can find some of them here.

© Copyright ZetBanker 2025. All Rights Reserved.