"We Arrange Funds When You Need It Most."
CA, Naresh Bansal
(CEO, NKB Kredit Group)
Fuel your business growth with fast, flexible business loan to make your vision a reality!
What is a business loan ?
We are part of NKB Kredit, a respected Indian financial services brand. Being a member of NKB Kredit, we offer comprehensive business loan solutions that will meet the growth and working capital requirements of your business.
We can help you to raise secured funds up to 200% of your property value and unsecured funds up to 5 crores as working capital.
Our loan deals are available on flexible terms and competitive interest rates, enabling you to obtain the finance you need when you need it. Repayment is spread over an agreed term, with an element of interest.
Here are some key things to know about business loan
Purpose
Business loans are used to cover short-term cash flow issues, purchase inventory or equipment, invest in growth opportunities, or handle other business finance needs.
Types
Common types of business loans include term loans, SBA loans, business lines of credit, equipment loans, invoice financing loans, merchant cash advances, etc. These come from banks, credit unions, online lenders, and other sources.
Rates & terms
Compared to personal loans, business loan rates are often based on the perceived riskiness of the business and generally range from around 5% to 36%. Terms like repayment timeline, collateral required, fees charged can vary greatly.
Qualifying
Business loans require a formal application where the lender evaluates the business’s financials, credit, operations, collateral, and the owners’ credentials before approving financing. Strong business plans and credit help.
Security
Business loans may be secured by business or personal collateral like real estate, equipment, accounts receivable, etc. or be unsecured. Secured loans get better terms.
Eligibility Criteria for Business Loan in India
Business Vintage
Most lenders require that the business be operational for 2–3 years to demonstrate financial stability and viability. However, startups can also get loans.
Business Registration
The business needs to be legally registered and have valid documentation like GST registration, Udyog Aadhar, etc.
Revenue/Turnover
Many lenders set minimum annual revenue requirements varying from Rs 10 lakhs to Rs 2 crores depending on loan size.
Credit Score
A good personal and business credit score of over 750 will be required, as it determines the perceived ability to repay the loan on time.
Collateral
Loans above Rs 10 lakhs may require 100% to 200% worth of business or personal assets like property, equipment, etc to be pledged as collateral security against default.
Debt-to-Income Ratio
Existing debt obligations should be limited enough to accommodate the additional business loan’s EMIs within the operating profits.
Our Business Loan Process
We assess funding requirements on an upfront basis, aligning them with the long-term vision of the stakeholders. Accordingly, funding possibilities are explored with various lenders and investors by effectively analyzing the underlying risks and opportunities in the borrower’s business.
Upon conducting a comprehensive assessment of the business, we are confident in our ability to engage nationalized banks, private banks, NBFCs, and other financial institutions to raise the required funds—whether unsecured, secured, or through equity participation.
Firms can raise funds up to 200% of their market property value or unsecured loans of up to ₹5 crore, enabling them to expand their business, acquire machinery, meet working capital needs, or finance other operational expenses.
We also ensure proper reporting and monitoring reviews are in place—not just before the fundraising process but also post-disbursement—ensuring long-term financial discipline and compliance.
Eligibility: Business Loan
We have made quality our habit. This isn’t something we simply strive for – we live by this principle every day.
Generally, banks and financial companies in India prefer to give business loans to companies with a turnover of Rs 50 lakh or more.
To avail a business loan, your age should be between 21 years and not more than 65 years. Also, the business should be two to three years old and active. Also, the credit score of the business should be good.
Beyond all this, if you are going to start a new business, you can feel free to apply under the Central Government’s business loan scheme, “Pradhanmantri Mudra Yojana”.
Consult with us for Business Loan
You may contact us for all kind of your funding needs for your business.