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Business Loan
Fuel your business growth with fast, flexible financing options from India's leading banks and NBFCs.
Business Loans for Every Stage of Growth
Whether you're starting a new venture, expanding an existing business, purchasing equipment, or managing working capital needs — Jyoti Associates connects you with the right business loan product at the most competitive terms available.
We work with businesses across all sectors: retail, manufacturing, trading, services, hospitality, healthcare, and more. Both secured and unsecured business loan options are available.
Key Benefits
- ✓Loans from ₹1 Lakh to ₹5 Crore
- ✓Secured & unsecured options
- ✓Flexible repayment: 12 to 84 months
- ✓Interest rates from 12% p.a. onwards
- ✓Working capital, term loan & machinery finance
- ✓MSME & startup-friendly products
- ✓Government scheme loans (MUDRA, CGTMSE)
Eligibility Criteria
- ✓Business vintage: minimum 1–2 years
- ✓Annual turnover: ₹10 Lakh+
- ✓Profitable for at least 1 year (for most products)
- ✓GST registration preferred
- ✓CIBIL score 650+ (proprietor/partners)
FAQs
Can startups get a business loan? ▼
Yes! Under schemes like MUDRA Loan and CGTMSE, startups and new businesses can get collateral-free loans up to ₹10 Lakh (Mudra) or up to ₹2 Crore (CGTMSE). We help identify the right scheme for your stage.
Do I need collateral for a business loan? ▼
Not always. Unsecured business loans up to ₹50 Lakh are available based on your business's financial health and credit score. For higher amounts, collateral or property may be required.
How fast can I get a business loan? ▼
With complete documentation, many banks disburse business loans within 5–10 working days. Digital/fintech lenders can do it even faster — sometimes within 48–72 hours for smaller amounts.