Business Loan
Business loans are vital for fueling growth, whether you’re a startup, SME, or large enterprise. Biyaaj offers both secured and unsecured loans tailored to your business needs.
Why Choose a Business Loan?
Running a business, whether small, medium, or large, requires continuous investment to maintain growth and stay competitive. From expanding operations, purchasing equipment, managing working capital, or launching new projects, businesses often need a financial boost to achieve their goals. At Biyaaj, we understand the diverse needs of businesses and offer tailored Business Loan solutions to help you unlock new opportunities and scale your enterprise with confidence.
Our Business Loan Features
We offer loan amounts ranging from ₹10 lakhs to ₹5 crores, ensuring that you have the necessary funds to support your business initiatives, whether large or small.
Choose from a variety of repayment plans with tenures ranging from 12 months to 5 years, allowing you to manage your cash flow effectively.
Leveraging our partnerships with over 120 banks and NBFCs, we secure the most competitive interest rates in the market, helping you reduce the cost of borrowing.
We offer both secured and unsecured Business Loans, giving you the flexibility to choose the option that best suits your financial situation without the need for collateral.
Time is of the essence in business. Our streamlined processes ensure quick loan approval and disbursement, so you can seize opportunities without delay.
We simplify the application process with minimal documentation requirements, making it easy for you to focus on your business rather than paperwork.
Maintain smooth business operations with our Working Capital Loans, designed to cover short-term operational expenses such as inventory, payroll, and day-to-day costs. This loan ensures your business has the liquidity it needs to function effectively.
Invest in your business’s long-term growth with our Term Loans, ideal for financing major purchases like equipment, real estate, or business expansion. These loans come with flexible repayment terms tailored to your project timelines.
Upgrade or purchase new machinery and equipment with our specialized loans, helping you enhance productivity and efficiency in your operations. This loan is perfect for businesses in manufacturing, construction, and other capital-intensive industries.
Ready to take your business to the next level? Our Business Expansion Loans provide the funds you need to open new branches, enter new markets, or launch new products and services.
Convert your outstanding invoices into immediate cash with our Invoice Discounting services. This option is ideal for businesses that need quick access to funds without waiting for customer payments.
Unlock the value of your property to secure a high-value loan with our Loan Against Property option. This secured loan allows you to use the funds for any business-related purpose, offering lower interest rates and flexible repayment options. To know more click here.
[Types of]
Business Loan
To apply for a Business Loan with Biyaaj, your business needs to meet the following criteria:
- Business Vintage: Your business should have a minimum operational history of 2 years.
- Annual Turnover: A minimum annual turnover as per lender’s criteria, typically ranging from ₹10 lakhs to ₹1 crore, depending on the loan amount.
- Credit Score: A good credit score for the business and the business owner is essential for securing better interest rates and higher loan amounts.
- Profitability: The business should be profit-making for the last 2 years, demonstrating stability and the ability to repay the loan.
[Eligibility Criteria]
Business Loan
Process
Documents Required
We’ve streamlined the documentation process to make it as efficient as possible. Here’s what you’ll need:
Identity Proof:
PAN Card, Aadhar Card, or Passport of the business owner(s).
Address Proof:
Utility bills, Rent Agreement, or Passport of the business owner(s).
Business Proof:
Registration certificate, GST registration, or Shop Act License.
Financial Statements:
Last 2 years’ audited financial statements, bank statements, and IT returns.
Ownership Proof:
Documents related to property, machinery, or equipment, if applying for a secured loan.
How to Apply
Applying for a Business Loan with Biyaaj is straightforward:
Explore Your Options:
Visit our website to review the different Business Loan products we offer.
Complete the Application:
Fill out the online application form with your business details.
Submit Documents:
Upload the required documents through our secure portal for quick verification.
Get Approval:
Once your application is reviewed and approved, we’ll proceed with the loan disbursement.
Loan Disbursement:
Once your application is reviewed and approved, the loan amount will be disbursed directly to your business account, typically within a few days.
Business Loan?
Why Choose Biyaaj?
- Tailored Financial Solutions - We recognize that every business is unique, with distinct financial needs. Our expert advisors work closely with you to understand your requirements and recommend the best Business Loan options that align with your business goals.
- Seamless Application Process - At Biyaaj, we prioritize convenience and efficiency. Our online application system is user-friendly, making it easy to apply for a loan, upload documents, and track your application status—all from the comfort of your office.
- Extensive Lender Network - With a robust network of over 120 banks and NBFCs, Biyaaj offers a wide range of loan products, ensuring you have access to the best financial solutions available in the market.
- Expert Business Support - Our support doesn’t end with loan disbursement. Biyaaj offers ongoing business advisory services to help you manage your finances, optimize your loan use, and ensure your business thrives.
- Transparent and Trustworthy - We believe in building long-term relationships based on trust and transparency. With Biyaaj, you’ll always know what to expect—no hidden charges, no unexpected terms, just clear and honest financial services.
- Fast Track Approvals - We understand the importance of timely funding in business. Our streamlined processes and dedicated support teams ensure that your loan application is processed quickly, enabling you to get the funds you need when you need them.