Fuel Your Business Growth
with IIFC Capital Business Loans.
Get collateral-free funding up to ₹90 Lakhs with attractive interest rates and flexible tenures up to 60 months.
DIGITAL VAULT FINANCING
*T&C Apply. Loans subject to institutional approval and credit assessment.
5.0
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Collateral-Free Financing
Secure funding without the burden of asset pledging.
Instant Online Approval
State-of-the-art verification engine for immediate results.
Customized Repayment
Structured tenures designed around your cashflow cycles.
Hybrid Term Loan Facility
A dual-structured approach for maximum liquidity.
Business Loan Solutions for Every Growth Need
Flexible financing options designed to support your business expansion, upgrades, and future growth.
SMART FUNDING
Working Capital Finance
MSME/SME Loans
Support your growing business with flexible funding solutions designed for small and medium enterprises to expand and achieve new milestones.
Machinery Loans
Upgrade your business with advanced machinery financing solutions to enhance productivity, improve operations, and boost growth.
Project Finance
Eligibility Parameters
Target Applicants
Proprietors, Firms, Pvt Ltd, Doctors/CAs
Age Bracket
21 – 65 Years
Business Vintage
2+ Years Profitable
Credit Health
CIBIL 675+
Financial Standing
Avg Balance ₹5,000+
Required Documentation
A streamlined checklist for expedited processing and vault-level verification.
Pro Tip:
Digital copies of your Udyam certificate and last 6 months’ bank statements accelerate approval by 40%.
Identity & KYC
– PAN Card & Aadhaar
– Passport Size Photographs
– Proof of Residence
Proof of Business
– GST Registration
– Shop & Establishment Act
– Partnership Deed/MOA
Financial Records
– 2 Years ITR (Company & Self)
– Audited Balance Sheets
– Udyam Registration
Banking & Project Data
– 6 Months Bank Statements
– Detailed Project Report (DPR)
– Sanction Letters of Existing Loans
Transparent Capital Costs
Everything you need to know about your business finance, simplified in one view.
CHARGE TYPE |
VALUE / RATE |
CONDITIONS |
|---|---|---|
Interest Rates
|
From 12% p.a.
|
Floating/Fixed based on credit profile
|
Processing Fee
|
2% of Loan Amount
|
One-time deduction at disbursal
|
Foreclosure Charges
|
6.5% / 4.5%
|
6.5% if 12m
|
Penal Charges
|
3% p.m.
|
On overdue installment amount
|
Bounce Charges
|
₹600
|
Per instance of instrument return
|
Your Dream Business Loan is Now on Your WhatsApp.
Expert Consultation
Consult our technical advisory regarding transfers, surveys, and bespoke plan upgrades.
Do I need to provide any collateral for a business loan?
No, IIFC Capital provides collateral-free business loans up to ₹90 Lakhs. We focus on your business health and cashflows rather than physical assets.
How does my CIBIL score affect my application?
A credit score of 675 or above is preferred. While we look at various parameters, a strong credit history ensures faster approval and more competitive interest rates.
Are interest payments on business loans tax-deductible?
Yes, the interest paid on a business loan is considered a business expense and is typically tax-deductible under the prevailing income tax laws.
