BENISS FINANCE LIMITED
English Alerts Sign In Cart
Become a Partner
Partner Login Partner Support

Trusted by 3 lakh+ customers

Business Loan

Loan from ₹2 lakh to ₹80 lakh · No Collateral · ROI starts @ 14%

Check Loan Offer Calculate EMI
①

3 Unique Variants

Term Loan, Flexi Term & Flexi Hybrid

🔓

No Collateral

No property or guarantor required

📄

Minimal Documentation

KYC, PAN & business ownership proof

⚡

Quick Disbursal

Funds in account within 48 hours*

Check your business loan offer

Enter amount between ₹2,00,000 and ₹80,00,000 and get a personalised offer.

14%*
Starting ROI
₹80L
Max Amount
96 mo
Max Tenure
48 hrs
Disbursal*
Why Business Loan

Features and Benefits of Business Loan

1

3 Unique Variants

Pick the loan that suits you best — Term Loan, Flexi Dropline Loan or Flexi Hybrid Loan.

2

No Part-Prepayment Charge on Flexi

Prepay a portion of your Flexi Dropline or Flexi Hybrid loan at no extra charges.

3

Loan of up to ₹80 Lakh

Manage small or large business expenses with loans ranging from ₹2 lakh to ₹80 lakh.

4

Convenient Tenures up to 8 Years

Repayment options ranging from 12 months to 96 months for comfortable EMIs.

5

Money in Your Account in 48 Hours*

In most cases you receive the loan amount within 48 hours of approval.

6

No Hidden Charges

All fees and charges are mentioned upfront on this page and in the loan document.

7

No Collateral Required

You do not have to provide any collateral or security to get this business loan.

8

Online Application Process

Apply from the comfort of wherever you are, at a time convenient for you.

Business Goals

A Loan for All Your Goals

Working capital, expansion, machinery or digitisation — fund what your business needs.

💼

Working Capital

Cover day-to-day operational costs and maintain smooth cash flow.

📈

Business Expansion

Fund expansion initiatives and seize growth opportunities.

🛠️

Machinery Purchase

Invest in high-quality machinery to boost productivity.

💻

Digitisation

Embrace digitisation and modernise your business operations.

Who Can Apply

Eligibility and Documents

Anyone who meets the five basic criteria can apply. Minimal paperwork to complete the process.

Eligibility Criteria

NationalityIndian
Business VintageAt least 3 years
CIBIL Score650 or higher
Work StatusSelf-employed
Age21 to 80 years*

* Higher age limit applicable at the time of loan maturity.

Documents Required

  • ✓ KYC: Aadhaar / Passport / Voter’s ID / Driving Licence / NPR / NREGA
  • ✓ PAN Card
  • ✓ Proof of business ownership
  • ✓ Other financial documents (bank statements, ITR as applicable)
Application

How to Apply for a Business Loan

Step-by-step guide to applying online.

Apply

Click Apply on this page

Mobile OTP

Enter mobile & verify OTP

Details

Fill personal & business info

Continue

Submit the form

Banking

Provide bank details

KYC

Complete KYC verification

Submit

Application for processing

CHECK LOAN OFFER
Choose Variant

Our Loan Variants

Term Loan, Flexi Dropline or Flexi Hybrid — pick what fits your cash flow.

Term Loan

Fixed EMI · Fixed tenure

  • Fixed monthly EMI
  • Ideal for one-time needs
  • Full amount upfront
  • Simple budgeting
Select

Flexi Dropline

Withdraw as needed

  • Interest on utilised amount only
  • Zero part-prepayment charges
  • Limit drops over tenure
  • Great for working capital
Select

Flexi Hybrid

Interest-only + EMI phase

  • Lower initial EMI (up to 45%*)
  • Zero part-prepayment charges
  • Then principal + interest
  • Long-term flexibility
Select
Plan Smart

Business Loan EMI Calculator

Loan Parameters

₹ 10,00,000
₹2L₹80L
36 months
12 mo96 mo
16%
14%23.5%
Estimated EMI
₹35,158
Principal₹10,00,000
Interest₹2,65,688
Total₹12,65,688
Tenure36 months
Check Actual Offer
Transparent Pricing

Applicable Fees and Charges

Type of FeeApplicable Charges
Rate of Interest14% – 23.50% per annum
Processing FeesUp to 4.72% of loan amount (incl. taxes)
Bounce Charges₹1,500 per bounce
Flexi Facility ChargesTerm Loan – Not applicable
Flexi Loan – Up to ₹999 to ₹16,999 (incl. taxes), deducted upfront
Penal Charge36% p.a. per instalment from due date until full receipt
Full Pre-PaymentUp to 4.72% (incl. taxes) on outstanding / Dropline Limit
Part Pre-PaymentTerm Loan: up to 4.72%
Flexi Dropline & Hybrid: Not applicable
Stamp DutyAs per state laws; deducted upfront
Annual MaintenanceTerm Loan – N/A
Flexi Dropline – up to 0.59% of Dropline Limit
Flexi Hybrid – up to 1.18% (initial) / 0.59% (subsequent)

*Terms and conditions apply. Bajaj Finance has sole discretion to accept or reject any application.

FAQs

Frequently Asked Questions

You can get a business loan from ₹2 lakh up to ₹80 lakh, subject to eligibility and credit assessment.
No. This is an unsecured business loan. You do not need to provide any collateral, security or guarantor.
A CIBIL score of 650 or higher is required. Higher scores improve chances of better rates and higher amounts.
Your business should have been operational for at least 3 years.
In most cases, the loan amount is credited to your bank account within 48 hours* of approval.
Interest rates range from 14% to 23.50% per annum, depending on your profile, business vintage and other factors.

Ready to fund your business?

Loan from ₹2 lakh to ₹80 lakh. No collateral. Check your offer in minutes.

CHECK LOAN OFFER
BeniSS Finance Limited
Calculators ▾
EMI Calculator, Eligibility Calculator, Prepayment Calculator and more tools to plan your finances.
Application Forms ▾
Download application forms for Personal Loan, Home Loan, Business Loan and other products.
Resources ▾
Guides, blogs, interest rate charts and financial literacy resources.
Support ▾
FAQs, customer care, branch locator and grievance redressal.
Contact Us ▾
Reach us via phone, email or visit our nearest branch.
Language ▾
English | हिन्दी | मराठी | தமிழ் | తెలుగు