Capital that keeps up with your business
Working capital, machinery, expansion or a new location — unsecured and secured business loans from banks and NBFCs that actually understand SMEs.
Loan amount
₹1 Lakh – ₹5 Cr
Interest rate
14% p.a. onwards
Tenure
1 – 5 years
Collateral
Not required up to ₹75L
Why apply through QCred
Unsecured up to ₹75 lakh
Strong banking and GST history can replace collateral. Keep your assets free while you grow.
GST & banking-based approval
Lenders increasingly approve on cash-flow data. We package your GST returns and statements to present your business at its strongest.
Overdraft & term options
Choose a term loan for one-time needs or an overdraft line you dip into only when needed — and pay interest only on what you use.
Renewal-friendly
Repay well and your limits grow. We track your eligibility so enhancement offers reach you before you ask.
Find your best business loan offers
It takes 2 minutes. This will not affect your credit score.
Compare business loan rates across top lenders
Nationalized banks, private banks and NBFCs — indicative ranges compiled by QCred. Click a lender for full details, fees and FAQs.
Top Nationalized Banks for Business Loan
| Lender | Interest rate | Processing fee | Max amount | Tenure |
|---|---|---|---|---|
| State Bank of India | 10.75% – 16% p.a. | Up to 1% | ₹5 Cr (SME schemes) | 1 – 5 years |
| Punjab National Bank | 11% – 15% p.a. | Up to 1% | ₹5 Cr (MSME schemes) | 1 – 5 years |
| Bank of Baroda | 10.85% – 15.50% p.a. | Up to 1% | ₹5 Cr (SME) | 1 – 5 years |
Business Loan across India's top cities
Get an instant business loan across the nation at the lowest interest rate — one QCred advisor, wherever you are.
QCred
The simple, quick steps to your business loan
Step 01
Eligibility
Tell us your requirement — 2 minutes, a few basics, zero credit-score impact.
Step 02
Compare
We shortlist the banks and NBFCs most likely to approve your profile at the best rate.
Step 03
Apply
One digital application — your advisor packages and submits the file for you.
Step 04
Disbursement
Sanction to money-in-account, tracked at every step and kept moving.
Eligibility
- Business vintage
- 2+ years
- Annual turnover
- ₹10 Lakh+ (varies by lender)
- Age
- 23 – 65 years
- Credit score
- 685+ recommended
Documents
- PAN and Aadhaar of proprietor/partners/directors
- GST returns for the last 12 months
- Last 12 months' bank statements
- 2 years' ITR with financials
- Business registration proof
Rates & charges
- Interest rate
- 14% – 26% p.a.
- Processing fee
- 1.5% – 3%
- Foreclosure charges
- 2% – 5%
Indicative ranges across partner lenders; your offer depends on profile and lender policy.
Business Loan FAQs
Can I get a business loan without collateral?
Yes — up to about ₹75 lakh unsecured for businesses with healthy GST filings and bank balances. Larger amounts typically need property or liquid collateral.
My business is seasonal. Will that hurt my application?
Not necessarily. An overdraft or flexi line often suits seasonal cash flows better than a term loan — you pay interest only on utilisation. We match you to lenders comfortable with your industry pattern.
Get your business loan moving today
Apply in two minutes or talk to an advisor first — either way, it costs you nothing.