OneTouch Funding for business growth.
A Business Loan helps you fund expansion, inventory, equipment, hiring or any other legitimate business requirement. We help you compare options across our lending partner network and take the application forward end to end.
What this facility gives you.
Collateral-free options
Eligible profiles can be considered for unsecured business funding, assessed largely on turnover, banking and credit history.
Structured for cash flow
Tenure and EMI can be matched to your business cycle instead of forcing a one-size-fits-all repayment.
Multiple lenders, one application
We map your profile against several lenders' policies so you are not applying blindly to one bank at a time.
Who it suits
- Traders, manufacturers, retailers and service businesses
- Proprietorships, partnerships, LLPs and private limited companies
- Businesses with a stable operating history and regular banking
- Owners funding expansion, new orders, stock or short-term gaps
Documents usually required
- KYC of applicant and co-applicant – PAN and Aadhaar
- Business proof – GST registration, Udyam, shop act or equivalent
- Last 6–12 months bank statements of the main operating account
- Latest ITRs with computation, and financials where applicable
- GST returns for the recent period, where applicable
The final checklist depends on the lender, your constitution type and the facility structure.
How Business Loan is typically structured.
Indicative only. Every lender applies its own policy, and your sanctioned terms come from the lender assessing your case.
| Type of facility | Term Loan or Overdraft, depending on the lender |
|---|---|
| Security | Unsecured, or secured where the profile requires it |
| Indicative ticket size | ₹5 Lakh to ₹2 Crore |
| Indicative tenure | 12 to 60 months |
| Assessment basis | Banking turnover, ITR / financials, credit history |
Frequently asked.
Is collateral always required for a Business Loan?
Not always. Several lenders consider unsecured business funding for eligible profiles, while others price a case better when security is offered. Which route suits you depends on the amount, the vintage of the business and the credit profile.
How much can a business borrow?
The amount a lender is willing to consider is driven by turnover, banking conduct, existing obligations and repayment capacity. We assess these first so you apply for a realistic amount rather than a rejected one.
Does applying affect my credit score?
Every formal application results in a credit bureau enquiry. That is exactly why we shortlist lenders whose policy your profile already fits, instead of submitting the same file everywhere.
Other loan solutions.
Loan Against Property
A Loan Against Property lets you raise funds against a residential, commercial or industrial property you already own, while continuing to use it.
Learn more →Overdraft
An Overdraft gives your business a sanctioned limit it can draw from as needed.
Learn more →Term Loan
A Term Loan is a fixed amount disbursed upfront and repaid over an agreed tenure through regular instalments.
Learn more →Considering Business Loan?
Share a few details and our team will assess your profile and come back with the options it supports.