Enterprise & MSME Capital

Business Loan Solutions

Q: What is the minimum turnover required for an MSME business loan?

Most partner institutions require a minimum annual turnover of ₹15 Lakhs to ₹25 Lakhs for unsecured business credit lines.

Q: What is the typical tenure for unsecured commercial loans?

Unsecured business term loans typically offer tenures from 12 to 60 months. Revolving overdraft lines are generally renewed on an annual basis.

Q: Can newly incorporated startups apply for these business loans?

Most commercial lenders require at least 2 years of active business operations and positive financial statements. For early-stage ventures, alternative schemes or personal loans for promoters may be explored.

Working capital, machinery acquisition, and expansion financing structured for Indian MSMEs.

Indicative Rates12.00% – 19.50% p.a.

Repayment Tenure12 to 60 Months

Borrowing LimitUp to ₹1 Crore

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Product Brief

Understanding Business Loan

Empower your enterprise with collateral-free and structured business loans designed to bridge cash flow gaps, purchase inventory, or scale operations.

Tailored specifically for sole proprietors, partnerships, private limited companies, and self-employed professionals across manufacturing, trading, and services.

Loans Streets Solutions partners with forward-thinking private banks and NBFCs evaluating business viability via GST records and banking cash flows rather than demanding heavy property collateral.

Key Advantages & Terms

Unsecured Collateral-Free Options

Access up to ₹50–75 Lakhs without hypothecating industrial machinery or mortgaging real estate.

Evaluation on Banking & GST

Credit underwriting emphasizes cash-flow trends, digital receipts, and GST compliance history.

Overdraft & Term Loan Flexibility

Choose between one-time term disbursements and revolving credit line facilities where interest applies only on utilized funds.

Fast Commercial Underwriting

Swift document verification enabling businesses to capitalize on immediate commercial opportunities.

Borrower Profile

Who is this loan suited for?

Manufacturers and distributors preparing for seasonal inventory buildup or bulk raw material orders

Service sector companies upgrading office infrastructure, software tooling, or expanding team headcount

Retailers and traders seeking unsecured working capital facilities to manage day-to-day creditor cycles

Established businesses with minimum 2 years of operations and consistent GST turnover

Underwriting Standards

Eligibility Criteria

Requirements vary slightly by lender, but the parameters below reflect baseline criteria across our private banking network.

Salaried Professionals

Corporate & Public Sector Employees

Not applicable (Business loan products require registered commercial trading entity or professional practice)

Self-Employed Borrowers

Business Owners, Traders & Professionals

Business operational vintage of minimum 2 to 3 years

Minimum annual turnover of ₹15 Lakhs to ₹50 Lakhs depending on lender threshold

Entity types: Sole Proprietorship, Partnership Firm, LLP, or Private Limited Company

Satisfactory banking conduct with minimal cheque return history and positive net profit margins

Documentation Checklist

Required Verification Records

Having clear copies of these records prepared significantly accelerates your loan processing and sanction turnaround.

Identity Proof

• PAN Card of Business Entity & Promoters
• Aadhaar / Passport of Authorized Signatories

Income Records

• Latest 2 years Audited Financials with Computation of Income
• Last 12 months primary current account bank statements
• Latest 12 months GST returns (GSTR-3B & GSTR-1)

Address Proof

• Proof of business premises ownership or registered commercial lease agreement
• Utility bills of commercial office

Collateral / Entity

• Business Registration Certificate (GST, MSME Udyam, Shop & Establishment, or Incorporation Certificate)
• Partnership Deed or Memorandum & Articles of Association (MOA/AOA)

Business Loan Estimator

Calculate Your Business Loan EMI

Simulate loan installments based on indicative rates for Business Loan.

Business Loan Installment Calculator

Adjust parameters to estimate monthly installments and total repayment breakdown.

Loan Amount

₹

₹50,000₹50 Lakhs₹1 Crore

Interest Rate (% p.a.)

7.0%12.0%22.0%

Loan Tenure (Years)

Yrs

1 Year15 Years30 Years

Monthly Installment (EMI)

₹50,903 / month

Principal Amount:₹15,00,000

Total Interest Payable:₹3,32,508

Total Repayment:₹18,32,508

Principal (82%)Interest (18%)

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Support & Answers

Business Loan FAQs

Everything you need to know about Business Loan underwriting, processing, and eligibility.

Can I get a business loan without submitting property collateral?

Yes. We partner with numerous private banks and NBFCs that provide unsecured business loans up to ₹50–75 Lakhs evaluated primarily on your GST records, ITR, and banking cash flows.

What is the minimum turnover required for an MSME business loan?

What is the typical tenure for unsecured commercial loans?

Can newly incorporated startups apply for these business loans?

Ready to explore your Business Loan options?

Check your eligibility across our vetted private lenders with zero credit impact. Speak directly with an experienced credit advisor.

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