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Loan Services

Business Loan

Unsecured & secured capital to grow, expand or stabilize your business operations.

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Key Features

Why Choose Our Business Loan?

Loan amount up to ₹2 Crore

No collateral required up to ₹50 Lakh

Tenure up to 5 years

Approval within 3–5 working days

Eligibility Criteria

Who Can Apply?

Business vintage of 2+ years

Annual turnover of ₹10 Lakh or more

CIBIL score of 700+ (business & proprietor)

Profitable operations in the last 2 years (preferred)

Documents Required

What You'll Need

KYC of proprietors/partners/directors
Business registration proof
Last 2 years ITR & financial statements
Last 12 months bank statements
GST returns
Pricing

Interest Rates & Charges

Indicative rates — your final rate depends on profile, lender and loan amount.

ParameterDetails
Interest Rate11% – 20% p.a.
Loan Amount₹1 Lakh – ₹2 Crore
Tenure12 – 60 months
Processing Fee1% – 2.5%
Benefits

What You Gain With TOPS CAPITAL

Flexible end-use of funds

Overdraft facility available

No hidden charges

Support for MSME/Udyam registered businesses

How It Works

Business Loan Process

A simple, guided journey from your first inquiry to money in your account.

Submit Inquiry

Share your requirement with us in under 2 minutes.

Free Consultation

Our expert understands your profile and goals.

Document Collection

Doorstep pickup of all required paperwork.

Bank Processing

We coordinate directly with the lender for you.

Loan Approval

Sanction letter issued after successful review.

Amount Disbursed

Funds credited directly to your account.

FAQs

Business Loan — Frequently Asked Questions

Loans up to ₹50 Lakh are typically available on an unsecured basis, depending on your business profile and lender policy.

Last 2 years ITR, GST returns and bank statements are the primary documents lenders use to assess your business's financial health.

It's harder but not impossible — some NBFC partners offer startup business loans against stronger collateral or a co-applicant.

Typically based on your annual turnover, profitability and existing obligations — usually 1–2x your annual turnover for unsecured loans.

Talk to a Business Loan Expert

Get a callback within a few hours and a free consultation on your best rate options.

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Ready to get started?

Talk to our loan experts today — free consultation, no obligation.