Get a Small Business Loan Online
Every business needs regular access to affordable credit financing to grow their venture and expand into newer markets. Secure instant funds to grow your existing business with a Small Business Loan from Poonawalla Fincorp. Avail of this collateral-free loan of up to ₹75 Lakh to expand your business, meet your working capital needs, purchase machinery and inventory, etc. What’s more? Benefit from our attractive interest rate, flexible repayment tenure, quick approval and instant disbursal. Apply now!
Why Choose Poonawalla Fincorp
Business Loan EMI Calculator
Make use of our user-friendly EMI calculator to plan your monthly payments. Just enter the loan amount, interest rate and tenure to calculate your EMI instantly. Try now!
Apply for a Business Loan in Just 3 Steps
Click on "Apply Now”
Tap the "Apply Now" button to initiate your application.
Enter Details
Enter your DOB, PAN card number, monthly income, and residential details.
Upload Documents
Upload the necessary documents for quicker approval.
On successful verification, the loan amount will be disbursed into your bank account instantly.
Eligibility Criteria for a Small Business Loan
Meet our simple eligibility criteria:
- Age: Between 24 and 65 years.
- Citizenship: Indian.
- Business Vintage: Minimum 2 years.
- Annual Turnover: At least ₹6 Lakh.
Documents Required for a Small Business Loan
Submit the essential documents while applying:
- KYC Documents
- Business Address Proof
- Financial Documents
Click to know more about the documentation in detail.
Interest Rate and Charges for a Small Business Loan
Secure a Small Business Loan at affordable interest rate and minimum charges:
After 6 EMIs: 5% on principal outstanding + taxes
Default Charges: Penalty will be charged for nonpayment of EMI amount and for non-compliance of material terms and conditions, as more particularly specified at Default Charges.pdf
*T&C Apply
Different Uses of a Small Business Loan
- Expand your business operations
- Upgrade existing facilities
- Purchase machinery and equipment
- Manage your working capital requirements
- Consolidate high-interest debts
- Recruit new staff
Who Can Get a Small Business Loan
- MSMEs
- Owner of retail shops
- Sole proprietors
- Women entrepreneurs
- Small business owners
Tips for a Successful Small Business Loan Application
- Decide your business requirements
- Check your credit score and repayment history
- Arrange the relevant documents to apply for the loan
- Avoid applying for the loan multiple times
Happy Customers, Happy Us


I opted for a Loan Against Property balance transfer with Poonawalla Fincorp, and the experience exceeded my expectations. The application process was completely digital, quick, and required minimal paperwork. Getting a significantly lower interest rate helped me reinvest in my business. With better financial flexibility, I was able to scale operations efficiently, leading to a 30% increase in business turnover. Poonawalla Fincorp made the entire journey stress-free, and I highly recommend their services to any business owner looking for smart financial solutions.


Poonawalla Fincorp’s Pre-owned Car Loan made the entire financing process effortless. The loan approval was quick, and the minimal documentation made it even more convenient. Within just a couple of days, the funds were disbursed, allowing me to purchase a well-maintained pre-owned vehicle without any hassle. The repayment options were flexible, and the entire experience was seamless. Thanks to Poonawalla Fincorp, I could get my car without any financial strain. Highly recommended!


Securing a loan to purchase a commercial property with rental income was crucial for my business. Having previously worked with Poonawalla Fincorp, I was confident in their services. The process was incredibly smooth and transparent. The quick disbursement and excellent post-sales support made the entire experience stress-free. Thanks to Poonawalla Fincorp, I now own a prime commercial property in Mumbai, which has significantly boosted my business. Their quick turnaround time and excellent post-sales support made all the difference. I wholeheartedly recommend them to anyone in need.


I had a great experience with Poonawalla Fincorp’s Pre-owned Car Loan. The offered loan amount was as per my expectations, and the entire process was smooth and hassle-free. The documentation was minimal, and the loan was disbursed in just two days! What stood out was the flexibility—repayment was easy, and the EMI structure was well-planned. The loan approval process was straightforward, making it convenient to get the car I wanted without any delays. Overall, the service was excellent, and I highly recommend Poonawalla Fincorp to anyone looking for an easy and quick loan process!


A friend in need, is a friend indeed. Poonawalla fincorp has been like one of those friends for me, who has supported me in my journey. With no hidden charges and no prepayment charges, the company has provided me with the adequate funds I needed for me professional practice. From the loan application process to the disbursal of funds, I did not face any problems. My experience was hassle-free and smooth. Not just me, all my fellow professionals and friends have had a wonderful experience with Poonawalla Fincorp’s Professional Loan.


I am practicing Chartered Accountant (CA) based out of Hubli. There were working capital issues that i was facing like upgrading my firm’s overall infrastructure, hiring well-qualified staff and digitization. Poonawalla fincorp hab been of great support when it comes to funding these requirements. I’ve got one of the best interest rates available in the market, my documentation process was fast & hassle-free. and the digital application process made it very simple to get a Professional Loan as a CA. I recommend to CAs to consider Poonawalla Fincorp for their working capital or any other funding requirements.


I run a chain of farmacy stores with 5 branches in pune. With the growing polpularity of home delivery, my customers were expecting the same from me as well. However, the extra capital requirement made it difficulf for me to hire delivery persons. With Poonawalla fincorp’s Business loan, I am now able to compete with online pharmacy retailers, manage working capital and upgrade my system. My customers have grown 50-60%. The loan applicatipn process is digital, simple and speedy. I was delighted to get my loan amount disbursed quickly, allowing me to upgrade my operationg seamlessly.
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Frequently Asked Questions
The lowest EMI for our Small Business Loan starts from ₹13,915 for a loan amount of up to ₹75 lakh with an interest rate of 15%* p.a. onwards and a loan tenure of up to 48 months.
No, you do not need to provide any asset as collateral to avail of our Small Business Loan.
The loan tenure for our small business loan ranges from 6 to 48 months. You should select a loan tenure based on your repayment capacity.