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Eligibility Criteria for Small Business Loans in Assam

  1. Age: Applicants should be between 21 to 65 years at the time of loan maturity.
  2. Citizenship: Must be an Indian citizen residing in Assam.
  3. Business Vintage: The business should be operational for at least 2 years.
  4. Credit Score: A minimum credit score of 700 + is required.
  5. Annual Turnover: Businesses should have a minimum 6 Lakh annual 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 a Business Loan in Assam

  1. Identity Proof(KYC): Aadhaar Card, PAN Card, Passport, Voter ID, or Driving License
  2. Address Proof: Utility Bills, Rent Agreement, or Bank Statements
  3. Business Proof: GST Registration (Optional), Business Registration Certificate, or Partnership Deed
  4. Financial Documents: Income Tax Returns (ITR) for the last 2-3 years and Bank Statements for the last 6-12 months.
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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.

A small business loan is a type of financing that helps small and medium enterprises (SMEs) manage expenses like working capital, expansion, equipment purchase, or inventory.
Eligible applicants include residents of Assam aged 21 to 65 with a registered business, at least 6 months to 2 years of operational history, and a credit score of 700 or above.
Yes, startups can apply under schemes like Sarothi and Pradhan Mantri Mudra Yojana, which support new ventures with collateral-free business loans in Assam.
You can get up to ₹20 lakh depending on your eligibility. Some of our lender may offer more based on your business profile and financials.
No, for small business loan from ZetBanker you do not need to provide any collateral.
You can apply by filling out the application form and uploading necessary documents, and submitting your application for review and approval.
Required documents include PAN and Aadhaar, business registration proof (GST/UDYAM), 6-12 months' bank statements, ITRs, and a business plan if you're a startup.
Yes, schemes like PM Mudra Yojana, Assam Credit Guarantee Scheme, Stand-Up India, and Sarothi provide financial assistance to entrepreneurs in Assam.
Interest rates typically range from 8% to 18% per annum depending on our lender, your financial profile and Credit Score. 
Approval usually takes 1 working days if all documents are in order. Some of our lenders offer instant or same-day approval.

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