Short-Term Business Loan
Collateral-free funding up to ₹5 Crore, at rates starting 12.50% p.a.
About Short-Term Business Loan
A short-term business loan helps enterprises meet immediate operating requirements without taking on a long repayment commitment. It can be useful when customer payments are delayed, seasonal demand increases or a business needs funds before its next revenue cycle.
We are partnered with India's leading Banks and NBFCs to offer Business loans up to ₹5 Crore, with interest rates starting from 12.50% p.a., matched to your turnover, loan amount and credit profile.
With minimal documentation, quick eligibility checks and disbursal in as fast as 72 hours, your business never has to wait for the funds it needs.
Working Capital Gap
Bridge day-to-day cash flow gaps for inventory, payroll or vendor payments.
Business Expansion
Fund a new outlet, branch, machinery or additional workforce to scale up.
Inventory Purchase
Stock up ahead of demand cycles or festive seasons without cash crunch.
Equipment & Machinery
Upgrade or add machinery/equipment to boost production capacity.
Debt Refinancing
Consolidate multiple existing higher rate of interest business loans into a single lower-cost EMI to save interest through Balance Transfer (BT)..
GST / Tax Payments
Meet statutory GST or advance tax obligations on time every time.
To pay overhead and emergency expenses
Business loan funds may be used to pay overhead and emergency expenses
Features & Benefits
Everything that makes a PaisaEHub.com Business Loan the right choice for your enterprise.
Collateral-Free
100% unsecured funding, no property or asset needs to be pledged.
Loan up to ₹5 Cr
Borrow from ₹5 Lakh up to ₹5 Crore based on your business turnover and profile.
Competitive Rates
Interest rates starting at 12.50% p.a. for eligible MSME/SME borrowers.
72-Hour Disbursal
Fast eligibility check and disbursal in as fast as 72 hours after approval.
Flexible Tenure
Repay comfortably over a tenure of 12 to 48 months.
Minimal Paperwork
Simple, largely digital documentation — KYC docs, GST returns, ITR and bank statements.
Eligibility & Documents
Check if your business qualifies and what paperwork you'll need to keep ready.
Eligibility Criteria
| Business Vintage | Minimum 1 year of business operations (depends on lender policy) |
| Annual Turnover | ₹30 Lakh and above (as per latest 12 months GST filing) |
| Business Type | Proprietorship, Partnership, LLP or Pvt. Ltd. Company |
| Credit Score | 700 and above (promoters' Cibil score) |
| Profitability | Business should be profit making in the latest financial year |
| Residency | Business registered and operating within India |
| Age | 24 to 65 years |
Documents Required
- ✓PAN Card of business & promoters
- ✓Aadhaar / KYC of all partners/directors/proprietor
- ✓GST registration certificate & latest 12 months GST returns
- ✓Last 2 years' ITR with computation and complete financials
- ✓Latest 12 months bank statements (all accounts)
- ✓Business vintage proof
- ✓Udyam certificate
- ✓Residence/office ownership proof
- ✓AOA and MOA/Partnership Deed/LLP Deed/Trade lisence
- ✓1 pp size colour photo of all promoters
Interest Rate & Charges
Transparent pricing, no hidden costs/login charges before approval
| Interest Rate | 12.50% p.a. onwards |
| Loan Amount | ₹5,00,000– ₹5,00,00,000 |
| Tenure | 12 – 48 months |
| Processing Fee | Depends on profile of customer and loan amount |
| Pre-payment Charges | Around 2% to 5% (as per lender policy) |
| Late Payment Charges | Around 2% per month on overdue EMI (as per lender policy) |
*Final interest rate and charges depend on the partner bank/NBFC, business profile and credit score.
EMI Calculator
Estimate your monthly EMI instantly — calculated on the server with PHP.
Enter your loan details
Your EMI breakup will appear here.
Fuel Your Business Growth, Today
Apply NowFrequently Asked Questions
Answers to the most common questions about Business Loans.