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Overview Eligibility Features & Benefits Fees & Charges Documents FAQs Terms & Conditions

Product Overview

FlexiLoans Business Loan is designed for existing MSMEs and business owners to meet their business funding needs such as working capital, inventory purchase, equipment purchase, business expansion, and short-term cash-flow requirements. The loan is unsecured and does not require collateral.
With fast processing, minimal documentation, and easy eligibility, it is a reliable option for entrepreneurs and individuals looking for quick financial assistance.

Eligibility Criteria

Applicant must be an eligible existing business/MSME.
Business should have the required minimum business vintage.
Minimum Monthly Business Turnover: ₹2 Lakh.
CIBIL Score of 700+ is considered favourable.
Sole Proprietorship, Partnership, LLP, Pvt. Ltd. companies and eligible MSMEs can apply.
Applicant must satisfy FlexiLoans' internal credit assessment criteria.
Final eligibility depends on business performance, turnover, credit profile and repayment capacity.

Features & Benefits

Loan Amount up to ₹50 Lakh.
No Collateral Required for eligible applicants.
Interest rates starting from 12% p.a..
Flexible 24–42 Months repayment tenure.
Quick & transparent online application process.
Minimal paperwork based on business and financial documents.
Funding available for Working Capital, Inventory, Equipment & Business Expansion.
Loan amount and terms customised according to business profile, turnover and repayment capacity.

Fees & Charges

Processing Fee: 2-6% of the loan amount + GST
Interest Rate: Starting from 12% p.a.
Processing Fee & Documentation Charges: 2%–6% of the loan amount + GST.
Loan Tenure: 24 to 42 Months.
Foreclosure Charges: 5% on pending principal amount.
Late Payment Fee: ₹1,000 + GST.
Bounce Charges: ₹750 per bounce.
Actual rates and charges may vary based on the applicant's business profile and credit score.

Documents Required

PAN Card
Address Proof – Aadhaar Card / Driving Licence / Voter ID / Passport / other accepted proof
Last 6 Months Current Account Bank Statements
GST Registration Certificate / Shop & Establishment Certificate
GST Returns
Last 2 Years ITR
For loans above ₹20 Lakh: 2 Years Audited Financial Statements
Additional documents may be required based on the applicant's business profile.

FAQs

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Business Loan?Ans. Eligible applicants can avail a business loan of up to ₹50 Lakh, depending on their business profile, turnover and creditworthiness.

Business Loan?Ans. Interest rates start from 12% per annum and may vary based on the applicant's business profile and credit score.

The current FlexiLoans Business Loan offers a repayment tenure of 24 to 42 months.

No. FlexiLoans provides 100% unsecured and collateral-free business loans for eligible applicants.

Business Loan?Ans. Existing businesses and eligible MSMEs, including sole proprietorships, partnerships, LLPs and Pvt. Ltd. companies, can apply subject to the lender's eligibility and credit assessment.

The loan can be used for working capital, inventory, equipment purchase, business expansion and short-term cash-flow requirements.

Terms & Conditions

Loan approval is subject to eligibility, document verification and FlexiLoans' internal credit assessment.
Final loan amount, interest rate and repayment tenure may vary depending on the applicant's business profile and creditworthiness.
Processing fees, GST, foreclosure charges, late payment charges and bounce charges may apply as per applicable terms.
Applicants must provide accurate and valid personal, business and financial information.
Additional documents may be requested during the verification process.
Loan disbursal is subject to successful verification, approval and completion of required formalities.
Terms and conditions, fees and charges are subject to the applicable loan agreement and may be revised by the lender from time to time.

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