JSR Financial

Overview

What is a Business Loan?

A Business Loan is a secured or unsecured credit facility designed for entrepreneurs, SMEs, and established firms to meet expansion, working capital, and equipment needs.

Loan Amount

₹1 Lakh – ₹5 Crore
(as per bank/NBFC policy)

Tenure

12 – 84 months

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Types of Business Loan

Working Capital Loan
Term Loan (short / long term)
Overdraft / Cash Credit Facility
Equipment / Machinery Loan
Invoice / Bill Discounting
Startup Collateral-Free Loan
Loan Against Property (for business)

Key Benefits

Funds for working capital, expansion, machinery, or inventory
Secured & unsecured options available
Quick approvals & competitive rates
Flexible repayment structures
Tax benefits on interest (as per IT Act)

Eligibility

Who can apply?

Eligibility may vary, but typical criteria are below.

For Proprietors / Self-Employed

Age: 25 – 65 years at loan maturity
Minimum 3 years in current business
Minimum annual turnover as per lender
Satisfactory credit score

For Firms / Pvt Ltd / LLP

Minimum 3 years since incorporation
Valid GST registration / ROC compliance
Audited financials (as required)
Directors/promoters with good credit record

Documentation

Documents Required

Exact requirements vary by bank/NBFC, but typically include:

KYC & Business Proof

PAN & Aadhaar of promoters/directors
Business proof: GST, Shop Act, MOA/AOA, Partnership Deed
Udyam/MSME registration (if applicable)

Financial Documents

Last 12 months current account statements
Last 2–3 years ITRs
Balance Sheet & P&L (audited if applicable)
Sales/Purchase bills or debtor-creditor lists (if required)
Collateral documents (if secured loan)

Ready to Apply for a Personal Loan?

Quick online application • Guidance from our loan counselors • Secure and transparent process

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