Business Loan | Sanvifinserv
Business Loan Up to ₹5 Crore

Fuel That Keeps
Your Business
Moving Forward

Working capital, expansion funding, or equipment purchase — get business loans tailored to your revenue cycle, with flexible collateral options and fast turnaround.

Apply for Business Loan Check Eligibility
11.2%*Starting Rate
₹5 CroreMax Amount
7 YearsMax Tenure
72 HrsDisbursal
Commonly used for: Working Capital Business Expansion Equipment Purchase Inventory Funding Debt Consolidation
About This Loan

Capital That Matches Your Business Cycle

A business loan from Sanvifinserv gives you working capital or growth funding without disrupting your operations — whether you run a manufacturing unit, retail store, service business, or trading firm.

We assess your business cash flow, GST returns, and banking pattern to structure a loan that fits your repayment capacity, not just a fixed template.

1
Revenue-Based StructuringLoan sized to match your monthly cash flow, not just collateral.
2
Secured & Unsecured OptionsChoose collateral-backed for lower rates or unsecured for speed.
3
OD / CC Facility AvailableRevolving credit lines for ongoing working capital needs.
Business Growth Snapshot Sample applicant — Trading business
Live
Q1
Q2
Q3
Q4
Now
Quarterly Turnover Trend +64% YoY
₹28LEligible Loan Amount
11.2%Indicative Rate
48 MoSuggested Tenure
72 HrsEst. Disbursal
Check My Eligibility
Loan Options

Structured for How You Operate

Working Capital Loan

Bridge day-to-day cash flow gaps for inventory, salaries, and operational expenses.

Unsecured
Overdraft / Cash Credit (OD/CC)

A revolving credit line against stock or receivables — pay interest only on what you use.

Secured
MSME / Udyam Business Loan

Special rates and government-backed schemes for registered MSME businesses.

Govt-Linked
Machinery & Equipment Loan

Finance new machinery, tools, or technology upgrades for your business.

Secured
Business Expansion Loan

Fund a new branch, location, or product line as your business scales up.

Flexible
Eligibility

What Lenders Look For

Business Criteria

  • Business operational for at least 2–3 years
  • Minimum annual turnover as per lender norms
  • GST registration and regular filing (where applicable)
  • Positive banking pattern over the last 6–12 months
  • No major loan defaults in credit history

Applicant Criteria

  • Age between 24 and 65 years
  • CIBIL score of 700 or above preferred
  • Proprietor, partner, or director of the applicant business
  • ITR filed for the last 2 years
  • Valid business address proof
Interest & Charges

Transparent Rate Slabs

Rates vary by loan type, collateral, and business risk profile.

Parameter Secured Loan Unsecured Loan
Interest Rate 11.2% – 15% p.a. 14% – 22% p.a.
Loan Amount Up to ₹5,00,00,000 Up to ₹75,00,000
Tenure Up to 7 years Up to 4 years
Processing Fee Up to 1.5% of loan amount Up to 2.5% of loan amount
Prepayment Charges Nil after 12 months Nil after 12 months
Rates, fees, and eligible amounts shown are indicative and subject to change based on lender policy, business risk assessment, and collateral offered. Final terms are shared before agreement signing.
Documentation

What You'll Need to Apply

KYC DocumentsPAN Card, Aadhaar Card, and address proof of the applicant/business owner.
Business Registration ProofUdyam/MSME certificate, GST registration, partnership deed, or incorporation certificate as applicable.
Financial StatementsLast 2 years' ITR with computation, audited financials, and GST returns.
Bank StatementsLast 12 months' current account statement showing business transactions.
Collateral Documents (if applicable)Property papers or asset documents for secured loan applications.
Why This Loan

Designed for Business Realities

Fast Turnaround

Funds disbursed within 72 hours of final approval.

Flexible Structuring

Secured or unsecured, term loan or OD/CC — your choice.

Govt Scheme Access

MSME and Udyam-linked schemes for eligible businesses.

Zero Prepayment Lock

Close your loan early after 12 months, no penalty.

Dedicated Advisor

One advisor manages your file end-to-end.

Simple Process

From Enquiry to Disbursal

1
Share Business Details

Tell us about your business type, turnover, and funding requirement.

2
Document Submission

Share KYC, financial statements, and bank statements through your advisor.

3
Credit Assessment

Lender evaluates your business risk profile and repayment capacity.

4
Sanction & Disbursal

Approved funds are credited to your business account within 72 hours.

FAQ

Business Loan Questions Answered

A secured loan requires collateral like property or assets and typically offers lower interest rates and higher amounts. An unsecured loan needs no collateral but comes with higher rates and lower borrowing limits.
Most lenders require at least 2–3 years of operational history. Newer businesses may explore government-backed schemes like PM Mudra or Startup India, which have different eligibility criteria.
An Overdraft/Cash Credit facility is a revolving credit line — you withdraw as needed and pay interest only on the utilized amount. A term loan disburses a fixed amount upfront with a set EMI schedule.
Not always, but GST returns strengthen your application by demonstrating consistent turnover. Businesses below the GST threshold can still apply using ITR and bank statements.
Lenders assess your annual turnover, banking pattern, existing liabilities, and repayment capacity to arrive at an eligible loan amount — typically a multiple of your average monthly turnover.

Ready to fund your next move?

Free consultation, transparent terms, no hidden charges. Our advisors respond within hours.

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