Business Loan for Retailers

Fuel Retail Growth with Easy Business Finance

Quick digital sanction
Easy customer support
Rewards on repayments
Flexi funds facility

What is a Business Loan for Retailers?

Retailers often require quick funds for stocking inventory, expanding outlets, marketing, or managing daily operations. Godrej Capital offers tailor-made business loan for retail businesses with zero collateral, digital processing, and flexible repayments - so you can focus on growing your customer base.

Collateral-free loans up to

INR 50 lakhs

Interest rates starting from

17% p.a.

Eligibility check in

24 Hours

Repayment cycle up to

72 months

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Key Features and Benefits of Retailer Business Loan

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Key Features and Benefits of Retailer Business Loan

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*Terms and Conditions Apply

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Design Your EMI

Create repayment plans according to your business needs.

Adapt your repayments to your business's cash flow requirements, freeing up capital for strategic investments. During seasonal dips, take advantage of interest-only payments to ease the burden and keep your business running smoothly.

Pay interest-only for select quarter or up to 24 months
Pay your EMIs as per your convenience, capability, and comfort

Apply Now
Know More

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BizRewards

Turn responsible repayments into earning possibilities with BizRewards!

Get rewarded for what matters most - your financial responsibility. Timely EMI payments will not only maintain your credit score but also earn you exciting rewards.

Earn exciting rewards on timely repayment of your EMIs
Choose from a wide range of vouchers across lifestyle, wellness, fashion, travel, and more
Total reward value up to INR 20,000

Apply Now
Know More

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Flexi Funds

Explore ready access to funds in just a few simple clicks with Flexi Funds, an overdraft-like facility.

Withdraw funds from a sanctioned limit and repay at your convenience with Flexi Funds - an easy-to-use overdraft-like facility. Flexi Funds provides the flexibility to manage the cash flow needs of your business.

No fixed EMIs - Interest only charged on the amount you withdraw
Repayment tenure of up to 6 years
Sanctioned limit of up to INR 50 lakhs

Apply Now
Know More

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Grow with Nirmaan

Build your business dreams, all in one place: Nirmaan, your one-stop growth partner.

Expand locally and globally, navigate government tenders, manage employees, streamline operations, transfer funds securely, get compliance support, and more with Godrej Nirmaan's comprehensive ecosystem.

Exclusive partner offerings with discounted pricing
Savings of up to INR 50,000
Zero registration fees, simply visit Godrej Nirmaan

Apply Now
Know More

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Retailer Business Loan EMI & Eligibility Calculators

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Loan Amount

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EMI Calculator

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Existing EMIs

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Home Loan

Plot Loan

Property Loan

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Check Interest Rates, Documents Required & Eligibility for Retailer Business Loan

Interest Rates & Charges

Grow without financial strain. Our competitive business loan for retailer interest rates and transparent fee structure empower retail businesses to expand confidently.

Types of fees	Charges applicable
Rate of Interest	Starting from 17% per annum
Loan Amount	INR 5 lakhs to INR 50 lakhs
Processing Fees	Up to 3% of the loan amount
Foreclosure Charges	Up to 6% of principal outstanding at the time of foreclosure
Part Pre-payment Charges	2% of the amount prepaid
Charges towards Stamp Duty	As applicable & prescribed by the relevant Government Authority

Documents Required

Ready to apply for a Business Loan for Retailers? We’ve simplified the process with minimal paperwork. Just submit the required documents and take the next step toward securing funds to grow your retail business and serve more customers efficiently.

KYC Documents	PAN Card
	Aadhar Card (Proof of Address)
	Passport-sized photo
	Udhyam Certificate (if applicable)
Income Documents	GST Certificate (if applicable)
Income Documents	Latest 6 months bank statement

*Refer Policy document for more details

Eligibility

Godrej Capital supports all types of retail businesses - big or small.

Loan for	Self Employed Non-professionals
Profile	The applicant should be a Sole Proprietor/Partnership firm/Private Ltd Co./Unlisted Public Ltd Co./LLP involved in the business of Manufacturing, Trading or Services
Age	25 to 65 years
Business Vintage	1. Minimum business vintage of 3 years 2. Minimum turnover of INR 40 lakhs 3. Bank account in the name of the business 4. Minimum profit of INR 3 lakhs

* Disclaimer: All contents mentioned on this page, including but not limited to documents, eligibility may vary for each borrower and are subject to the discretion of the lender. The content is subject to change without prior notice.

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Check Interest Rates, Documents Required & Eligibility for Retailer Business Loan

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