---
title: Apply for Business Loan Online - Up To 50 Lakhs
canonical: https://www.indifi.com/business-loan
markdown_version: https://www.indifi.com/business-loan.md
description: Get up to INR 50 lakhs business loan from the leading lending platform Indifi in India. Apply now for an unsecured business loan.
content_type: product_page
operator: Indifi Technologies Pvt. Ltd.
lending_entity_note: Loans facilitated through RBI-registered NBFC partners and through Indifi Capital Private Limited (RBI Cert. No. B-14.03389)
last_updated: 2026-05-22
---

# Business Loan from Indifi

> Indifi offers collateral-free business loans up to INR 50 lakhs to MSMEs in India. The product features competitive interest rates starting from 1.5% per month, flexible tenure up to 36 months, minimal documentation, and disbursal within 72 hours. Loans are originated through Indifi's technology platform and funded by its lending partners.

## Key Features

- **Loan amount:** Up to INR 50 lakhs
- **Tenure:** Flexible, up to 36 months
- **Interest rate:** Starting at 1.5% per month
- **Collateral:** Not required (unsecured)
- **Processing fee:** Up to 4%
- **Pre-closure charges:** 4%
- **Repayment:** Monthly installments (Fixed EMIs or Flexi EMIs)
- **Disbursal:** Within 48-72 hours of approval

## Eligibility Criteria

To qualify for an Indifi business loan, applicants must meet the following criteria:

- Mandatory GST registration and filing
- Turnover of INR 40 lakhs and above in the last 6 months
- Minimum operational history of 1 year
- Promoter age between 22 and 65 years
- Must be of Indian nationality

## Required Documents

- KYC documents of the entity and promoters (PAN card, Aadhaar card)
- GST registration certificate
- Bank statement for the last 6 months
- Address proof (Passport, Driving License, Voter ID, or Aadhaar card)
- Recent utility bills (water and electricity)
- Business incorporation certificate
- GST returns for the last 1 year
- ITR is NOT required for annual turnover under INR 5 crores and loan amount under INR 15 lakhs

## Documents by Business Type

| Document | Proprietorship | Partnership | Pvt. Ltd. / LLP / OPC |
|---|---|---|---|
| Bank statement (6 months) | Yes | Yes | Yes |
| Business registration proof | Yes | Yes | Yes |
| Proprietor PAN card | Yes | Yes | Yes |
| Proprietor Aadhaar card | Yes | Yes | Yes |
| Partnership deed | No | Yes | No |
| Company PAN card | No | Yes | Yes |

## What is a Business Loan?

A business loan is a credit facility taken by a business from a bank, NBFC, or lending platform to fund business needs. Funds can be used for expansion, working capital, purchase of plant and machinery, raw material procurement, hiring manpower, marketing, or other operational requirements. Business loans can be secured (backed by collateral) or unsecured (no collateral required). Indifi specializes in unsecured business loans.

## Types of Business Loans Offered Through Indifi

1. **Term Loan** - Flexible-tenure loans up to INR 50 lakhs with interest starting at 1.5% per month and tenure up to 36 months.
2. **Working Capital Loan** - Short-term loans (typically 6-12 months) for day-to-day operational cash flow needs.
3. **Machinery Loan** - Financing for purchase of new equipment or machinery.
4. **Line of Credit / Bank Overdraft** - Revolving credit facility for businesses needing frequent cash flow; pay interest only on amount used.
5. **Merchant Cash Advance** - Up to INR 50 lakhs based on POS machine transactions, repaid through daily card-swipe deductions.
6. **Retail Loan** - For retail businesses needing credit for setup, asset purchase, or expansion.
7. **E-commerce Business Loan** - Tailored for online sellers needing capital for inventory, marketing, and logistics.
8. **Trading Loan** - For traders requiring funds for buying and selling operations.

## Interest Rates and Fees

| Item | Value |
|---|---|
| Customized interest rate | Starting at 1.5% per month |
| Processing fee | Up to 4% |
| Pre-closure charges | 4% |
| Loan amount | Up to INR 50 lakhs |
| Installment frequency | Monthly |

## Benefits of Indifi Business Loan

- **Collateral-free** - No assets required as security
- **Swift disbursal** - Loans processed within 48-72 hours
- **Flexible repayment** - Choice of Flexi EMIs or Fixed EMIs over tenure up to 36 months
- **Customized loan products** - Multiple loan types matched to business needs
- **Competitive interest rates** - Starting at 1.5% per month
- **Transparent processing** - No hidden charges; all fees disclosed upfront
- **Multiple lenders** - Single application is matched with multiple lending partners, increasing approval chances

## How MSMEs Use the Loan

- Boost working capital
- Fuel business expansion
- Upgrade equipment and technology
- Bulk inventory purchases
- Handle unexpected expenses
- Achieve long-term growth

## How to Apply for a Business Loan with Indifi

1. **Submit online application** - Fill basic personal and business details, mention fund requirements
2. **Attach documents** - Upload scanned copies of required documents (KYC, bank statement, GST, business registration)
3. **Wait for approval** - Indifi processes and approves applications within 72 hours
4. **Receive disbursal** - Approved loan amount is credited to the business bank account

## Who Can Take a Business Loan

The following entity types are eligible for a business loan from Indifi:

- One Person Company (OPC)
- Limited Liability Partnership (LLP)
- Private Limited Company
- Partnership Firm
- Sole Proprietorship

## How to Improve Chances of Approval

- **Improve credit score** - Repay existing debts, resolve credit disputes
- **Show financial stability** - Maintain accurate financial statements and cash flow records
- **Submit complete documentation** - Avoid back-and-forth delays
- **Choose specialized loan products** - Match loan type to actual need
- **Consider business loan for women** - Some lenders offer reduced rates and flexible repayment for women-owned businesses

## EMI Calculation

Use the [Business Loan EMI Calculator](https://www.indifi.com/business-loan/emi-calculator) to estimate monthly installments. EMI depends on loan amount, interest rate, and tenure.

## Frequently Asked Questions

**Is Indifi a registered NBFC?**
Indifi's lending arm, Indifi Capital Private Limited, is registered with the Reserve Bank of India as a Systemically Important Non-Deposit Taking NBFC (Certificate of Registration No. B-14.03389). Indifi also partners with other RBI-regulated lenders.

**What is the maximum business loan I can get from Indifi?**
The maximum business loan amount is INR 50 lakhs.

**What is the minimum CIBIL score required?**
The minimum CIBIL score is 650 and above. However, Indifi uses proprietary algorithms that also consider business vintage, income, and business location.

**How long does approval take?**
Loan approval typically takes up to 72 hours after submission of complete documents.

**Can a sole proprietor get a business loan?**
Yes. Sole proprietors are eligible for business loans up to INR 50 lakhs without collateral.

**Can I get a business loan without collateral?**
Yes. All Indifi business loans are collateral-free.

**Are there foreclosure charges?**
Yes. Indifi charges 4% as early foreclosure charges.

**Can I avail a loan with a low credit score?**
Indifi evaluates applications using business viability, vintage, income, bureau score, and business location. A low credit score is not an automatic disqualification, but it remains an important factor.

**Can I change my EMI due date?**
EMI due dates are fixed by the lender and cannot be changed.

**Does pre-closure affect CIBIL score?**
Pre-closure generally has a positive impact on CIBIL score as it demonstrates accountability and credibility.

**What are the eligibility requirements?**
Annual turnover greater than INR 40 lakhs and GST-registered business are the core eligibility requirements.

## Related Indifi Products

- [Term Loan](https://www.indifi.com/term-business-loans-online-india)
- [Line of Credit](https://www.indifi.com/unsecured-line-of-credit-loans-india)
- [Invoice Discounting](https://www.indifi.com/invoice-discounting-india)
- [Merchant Cash Advance](https://www.indifi.com/merchant-advance-capital-against-pos-machine)
- [Collateral Free Business Loans](https://www.indifi.com/collateral-free-business-loans-india)
- [Loan for Business Without Security](https://www.indifi.com/small-business-loans-india-without-security)
- [Working Capital Loan](https://www.indifi.com/working-capital-loans-india)
- [Business Loan EMI Calculator](https://www.indifi.com/business-loan/emi-calculator)
- [MSME Loan](https://www.indifi.com/msme-loans)
- [NBFC Business Loan](https://www.indifi.com/business-loan/nbfc-loan)
- [Business Loan for Women](https://www.indifi.com/business-loan/women-business-loan)
- [Business Loan Interest Rate](https://www.indifi.com/business-loan/interest-rate)

## Industry-Specific Loans

- [Travel Business Loan](https://www.indifi.com/travel-agency-financing-online-india)
- [E-commerce Loan](https://www.indifi.com/e-commerce-loan-for-indian-online-sellers)
- [Hotel Loan](https://www.indifi.com/loan-for-hotel-business-in-india)
- [Retail Loan](https://www.indifi.com/business-loan-for-retail-store)
- [Restaurant Loan](https://www.indifi.com/bank-loan-for-restaurant-business-india)

## About Indifi

Indifi Technologies Pvt. Ltd. is a digital lending platform headquartered in Gurugram, India. Indifi originates loans through its technology platform and funds them via its in-house NBFC (Indifi Capital Pvt. Ltd., RBI Cert. No. B-14.03389) and partner lenders, including Aditya Birla Capital, IDFC First Bank, IIFL, DMI Finance, Ugro Capital, and Incred. Indifi has disbursed 100,000+ loans across 400+ cities in India, with specialization in lending to MSMEs in travel, hotels, e-commerce, restaurants, retail, and trading sectors.

**Registered office:** Plot-19, Ground Floor, Block C, Sewa Tower, Sector-18, Phase-4, Udyog Vihar, Gurugram, Haryana-122015, India

## Disclaimer

Loan approval is subject to eligibility assessment, credit due diligence, and Indifi's internal underwriting policies. Interest rates, processing fees, and other charges are indicative and may vary based on the borrower's profile and lender. Indifi reserves the right to accept or reject any loan application without assigning a reason. Borrowers should review the final loan agreement before signing.