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Business Loan

Expand your Business with flexible financing

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

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Business Loan Solutions to Power Your Growth

Need quick funds to grow your business? With Godrej Capital’s instant business loan, enjoy collateral-free financing, fast approvals and flexible EMIs, all through a simple online application. Backed by the trusted Godrej legacy, we make business lending transparent, secure and hassle-free.

Apply for a business loan online today and power your growth with confidence.

Collateral-free loans up to

INR 50 lakhs

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Interest rates starting from

17% p.a.

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Eligibility check in

24 Hours

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Repayment cycle up to

72 months

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Key Features & Benefits of Godrej Capital Business Loan

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Key Features & Benefits of Godrej Capital Business Loan
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*Terms and Conditions Apply
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Design Your EMI

Craft your EMI 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

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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

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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

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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

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Smart Business Loan Calculator for Financial Planning

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Eligibility, Documents, Interest Rate & Charges for Business Loan

Interest Rates & Charges

Business loan interest rates with Godrej Capital are competitive and transparent. Check if you meet our simple eligibility criteria to get quick, collateral-free funding for your business.

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

Organising your business loan documents is easy with our step-by-step checklist. The documents required for a business loan include basic identity proof, business verification and income records. Submitting accurate paperwork for a business loan ensures faster approval and quicker disbursal of your loan.

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

*Refer Policy document for more details

Eligibility

To apply for a business loan with Godrej Capital, you must meet a few basic eligibility requirements. We assess your business vintage, turnover, credit score, and financial health. Our streamlined process ensures easy business loan eligibility checks so you can get the funds you need faster and without hassle.

Loans 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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Frequently Asked Question

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Get access to 13+ partners to build,

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/about-us/blogs/business-loan/frequently-asked-questions-for-business-loans-answered

/about-us/blogs/business-loan/leveraging-financial-assets-for-business-growth

/about-us/blogs/business-loan/10-business-ideas-for-housewives

/about-us/blogs/business-loan/a-comprehensive-guide-to-business-loan-against-property

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Connect with Our Customer Support Team

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ⓘ Need more information or answers to your questions in the meantime? Check out FAQs
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Question-1
What is a Business Loan?
Answer-1
A Business Loan is an unsecured or collateral-free loan that can be used for varied business purposes like funding your business expansion, purchasing long-term assets or meeting working capital requirements. We offer you a required loan amount without the need to pledge any collateral.
Question-2
What are the reasons for availing a Business Loan?
Answer-2

Ensuring steady business cash flow

Fund business expansion or diversification

Improve existing business set-up

Consolidate high-interest business debts

Boost working capital reserves

Hire a new workforce

Purchase and stock inventory

Buy new machinery, equipment, or software

Question-3
What are the advantages of Godrej Capital Business Loan?
Answer-3
With the Godrej Capital Business Loan, you can avail higher loan amounts up to Rs. 50 lakhs, without the need for collateral. The application process is hassle-free with minimal documentation, and the disbursal process is seamless and quick.
Question-4
What is the maximum loan I can avail in a Business Loan?
Answer-4
You can avail a loan amount up to Rs. 50 lakhs, the amount would be calculated based on your income and other parameters.
Question-5
Is there any security against the Business Loan?
Answer-5
No, the Business Loan is an unsecured offering, and you only need to meet the simple Business Loan eligibility criteria to qualify for business financing.