Business Loan – Laxmi Finance

Fuel Your Business Growth with Fast, Flexible Funding

Running a business comes with challenges — and at Laxmi Finance, we’re here to support your ambitions. Our Business Loan solutions are tailored to meet the financial needs of small, medium, and growing enterprises across various sectors.

Whether you need funds for working capital, inventory, equipment purchase, expansion, or marketing, we offer unsecured and secured business loans with quick approvals, flexible terms, and affordable EMIs.

 Benefits of Laxmi Finance Business Loan

  • 💸 Loan Amounts up to ₹50 Lakhs (or more, based on eligibility)

  • 📉 Competitive Interest Rates – Starting from 12% p.a.*

  • Fast Processing – Approvals within 48–72 hours

  • Flexible Tenure – From 12 months to 5 years

  • Minimal Documentation – Simple and paper-light process

  • Collateral-Free Options Available (for eligible businesses)

  • Balance Transfer Facility – Shift from high-interest lenders and save

  • Multipurpose Use – Capital needs, expansion, equipment, salaries, rent, marketing, etc.

 Eligibility Criteria

✔️ For Business Owners, SMEs, Traders, and Professionals

  • Age: 21 to 65 years

  • Business Vintage: Minimum 1–2 years of stable operations

  • Annual Turnover: Should meet the minimum threshold (usually ₹10–₹20 lakhs and above)

  • Credit Score: CIBIL 650+ preferred (may vary by loan size)

  • Business Type: Proprietorship, Partnership, Private Ltd., LLP, Traders, or Professionals

 Documents Required

🔹 KYC Documents:

  • PAN Card (Individual & Business)

  • Aadhaar Card / Passport / Voter ID

  • Passport-size photos

🔹 Business Proof:

  • Business Registration / GST Certificate

  • Shop & Establishment Act License

  • MSME/Udyam Certificate (if applicable)

🔹 Financial Documents:

  • ITR for the last 2–3 years

  • Balance Sheet & P&L Statement (CA audited preferred)

  • Bank statements (last 6–12 months)

  • Existing loan details (if any)

🔹 Other Documents:

  • Office/Business address proof

  • Ownership/rental proof of business premises

  • Partnership deed / MOA & AOA (for partnerships/companies.

  • Rate of Interest 4% P.A Tenure 1 to 20 years.