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Empower your enterprise expansion, machinery purchases, and inventory needs. Compare customized business credit offers across 110+ empaneled commercial banks and NBFCs.
Get rapid pre-qualification based on your GST & Banking
A specialized commercial debt facility customized to support working capital cycles, equipment purchase, infrastructure expansion, and corporate operational liquidity.
Business lending in India is one of the most misunderstood segments of institutional credit. Most business owners believe they need to show high book profits to get a bank loan — Sanction's credit analysts know this is only partially true. Banks evaluate an enterprise through multiple lenses simultaneously: GST turnover, banking credits, DSCR, promoter CIBIL, current banking behavior, and business vintage. A Business Loan supplies capital without diluting equity or involving external investors.
At Sanction, we match each client's financial signature to the specific bank whose credit policy awards the highest loan multiple for that exact combination of parameters. Available in unsecured formats up to ₹1.5 Crores (CGTMSE-backed, zero collateral) and secured commercial term loans up to ₹25 Crores — whether you run a manufacturing firm, a trading business, or a service enterprise — across our institutional network of 110+ commercial banks and MSME NBFCs.
Choose the commercial credit facility tailored to your company's balance sheet structure and revenue model.
Tailored enterprise lending with dedicated commercial credit desk support.
Compare latest MSME interest rates, collateral-free thresholds, and processing terms across leading lenders.
| Lending Bank / NBFC | Interest Rate (% p.a.) | Max Loan Amount | Processing Fee | Action |
|---|---|---|---|---|
|
HDFC Bank
Unsecured business term loan with GST surrogate valuation
|
11.99% – 16.50% | Up to ₹50 Lakhs | 1.50% to 2.50% | Check Offer → |
|
ICICI Bank
Fast-track approval based on 12 months current account banking
|
12.25% – 17.00% | Up to ₹50 Lakhs | 1.50% to 2.00% | Check Offer → |
|
Axis Bank
Direct sanction for MSMEs, private limited and LLPs
|
12.00% – 16.75% | Up to ₹50 Lakhs | Up to 2.00% | Check Offer → |
|
Bajaj Finserv
Flexi loan facility with drop-line limit for working capital
|
13.00% – 18.50% | Up to ₹40 Lakhs | Up to 3.00% | Check Offer → |
|
Tata Capital
Minimal paperwork with fast 48-hour credit committee review
|
12.50% – 17.50% | Up to ₹50 Lakhs | 1.50% to 2.50% | Check Offer → |
|
IDFC FIRST Bank
Income surrogate underwriting for service providers and traders
|
12.50% – 17.00% | Up to ₹50 Lakhs | Up to 2.00% | Check Offer → |
Calculate your estimated monthly debt service across working capital and term limits.
Commercial criteria for Proprietorships, Partnerships, LLPs, and Pvt Ltd companies.
Quick turnaround from digital application processing to disbursement.
Transparent fee structure for commercial credit facilities.
| Fee Category | Applicable Charges | Details & Notes |
|---|---|---|
| Interest Rate | 9.50% to 30.50% p.a. | Reducing balance rate based on business financials and credit assessment. |
| Processing Fees | 1.00% to 2.50% of loan amount | Deducted at the time of disbursement. |
| Prepayment Charges | 2.00% to 4.00% of principal outstanding | Applicable for business entities paying before tenure maturity. |
| Documentation / Legal | ₹2,500 to ₹7,500 (At actuals) | Direct government stamping & agreement drafting charges. |
Direct institutional tie-ups and credit desk liaison across India's leading MSME lenders.
Common questions about business loans, eligibility, and documentation.
Yes. We offer unsecured collateral-free business loans up to ₹50 Lakhs based purely on your GST turnover, banking transactions, and business profitability.
Lenders evaluate your annual turnover, Debt Service Coverage Ratio (DSCR), monthly average bank balance, GST filing regularity, and past repayment history.
Unsecured business loans can be sanctioned and disbursed within 48 to 72 hours of complete digital document submission.
