Business Loan in India —
Zero Upfront Fee
Working capital, term loans, MSME/Mudra loans and overdraft limits from ₹1 Lakh to ₹5 Crore. We match you to the right lender from our network of 30+ banks and NBFCs — at no cost to you.
Types of Business Loans We Arrange
Every business is different. We find the product that fits your turnover, vintage, and purpose.
| Loan Type | Amount Range | Tenure | Interest Rate |
|---|---|---|---|
| Working Capital Loan | ₹1 L – ₹50 L | 12–36 months | From 10.5% p.a. |
| Term Loan | ₹5 L – ₹5 Cr | 12–84 months | From 11% p.a. |
| Overdraft / CC Limit | ₹2 L – ₹2 Cr | Revolving | From 12% p.a. |
| MSME / Mudra Loan | Up to ₹10 L | Up to 60 months | From 8.5% p.a. |
| Machinery / Equipment Loan | ₹5 L – ₹5 Cr | 24–84 months | From 10% p.a. |
*Rates are indicative and vary by lender, profile, and loan amount.
Eligibility Criteria
- Business vintage of at least 1 year (2 years preferred)
- Annual turnover ₹10 L+ (varies by lender)
- CIBIL score 700+ for best rates
- GST registration preferred
- ITR filed for last 2 years
- No active NPA or loan default
Documents Required
KYC
- Aadhaar Card
- PAN Card
- Passport-size photo
Business Proof
- GST Certificate
- Udyam / MSME Certificate
- Business registration document
Financial
- Last 2 years ITR with computation
- Last 6 months bank statement
- Audited P&L and Balance Sheet (if turnover > ₹40 L)
Property (if secured)
- Property documents
- Latest property tax receipt
- Approved building plan
How We Get Your Loan Approved
Free Eligibility Check
Share basic details — we assess your profile against 30+ lenders in minutes.
Document Collection
Our team guides you on exactly which documents to arrange. No guesswork.
Lender Matching
We match you to the lender offering the best rate and terms for your profile.
Application & Follow-up
We submit the application and follow up with the lender on your behalf.
Disbursement
Loan amount credited to your account. Typical timeline: 5–10 working days.
Why Apply Through KOSHVI?
We are not a bank. We are on your side.
Zero Upfront Fee
You pay nothing. We earn only after your loan is disbursed.
Faster Processing
We know which lender approves which profile. No wasted applications.
30+ Lender Network
Banks, NBFCs, Fintechs — we compare and pick the best for you.
Frequently Asked Questions
Can I get a business loan without collateral?
Yes. Most working capital loans and MSME loans up to ₹50 L are unsecured. Secured loans offer higher amounts and lower rates.
What is the minimum CIBIL score required?
Most lenders require 700+. Some NBFCs work with scores as low as 650 for strong-turnover businesses.
How long does disbursement take?
For pre-approved profiles: 48–72 hours. For fresh applications: 5–10 working days after document submission.
Does KOSHVI charge any fee?
Zero upfront fee. We earn a referral from the lender only after disbursement. You pay nothing extra.
Can a startup get a business loan?
Startups with less than 1 year vintage can explore Mudra loans, CGTMSE-backed loans, or NBFC products designed for new businesses.
Ready to Apply? Let's Talk.
Free consultation. No commitment. No upfront fee.