< meta name='twitter:title' content = 'Instant Unsecured Business Loans in Kolkata ₹1 Lakh to ₹90 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 for Unsecured Business Loan in Kolkata West Bengal

  1. Age of Applicant: Must be between 21 to 65 years (some lenders allow up to 80 years at loan maturity).
  2. Business Vintage: Business should be operational for a minimum of 1 to 3 years, depending on the lender.
  3. Credit Score (CIBIL): A minimum score of 680–700 is generally required. A higher score improves loan approval chances.
  4. Business Type: Registered entities such as: Sole Proprietorship, Partnership Firm, Private Limited Company, LLP or SMEs
  5. Location: Business must be located in a serviceable area or pin code.
  6. Financials: Should have consistent income, preferably with filed ITRs and GST returns for the past 1–3 years.
  7. Banking Activity: Regular transactions in a business bank account with healthy turnover.

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 Unsecured Business Loan in Kolkata

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 Instant Unsecured Business Loans  ₹1 Lakh to ₹90 Lakh

  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.

An unsecured business loan is a loan that doesn't require collateral or security. It is approved based on your business’s financial health and creditworthiness.
You can borrow anywhere from ₹1 lakh to ₹90 lakh based on your business’s eligibility, credit score, and financial profile.
Once approved, the loan is typically disbursed within 24 to 48 hours directly into your bank account.
Business owners aged 21 to 65 years, with at least 1 year of operations, and a good credit score are eligible to apply.
You will need your PAN card, Aadhaar card, bank statements (6–12 months), ITR (Income Tax Return), and business registration documents.
Yes, startups with at least 1 year of business history and consistent revenue can apply for unsecured business loans.
The loan amount is determined based on your business revenue, credit score, and repayment capacity.
No, our loan process is transparent with no hidden fees. All costs are disclosed upfront during the application.
Yes, many lenders offer early repayment or prepayment options with minimal or no additional charges.
Click the “Apply Now” button, fill out your business and personal details, upload your documents, and get approved—all online.

© Copyright ZetBanker 2025. All Rights Reserved.