Apply for Business Loan

Apply for an online business loan through Airtel Finance and get funds of up to ₹75 lakhs with minimal documentation and instant disbursal. 

This instant business loan is designed to support a wide range of business needs—whether you're managing working capital, expanding operations, upgrading equipment, or launching a new product. With Airtel Finance, you can focus on growing your business without worrying about complex loan procedures. 

Choose from flexible tenures & EMIs that suit your business cash flow and enjoy competitive interest rates that won’t strain your bottom line. Get the financial boost your business deserves with our fully digital loan experience! 

When considering a business loan, understanding eligibility is crucial. Lenders evaluate various factors to determine loan approval and interest rates. 

While each lender has its own policies, here are the general eligibility criteria to help get your loan application approved smoothly: 

• Business Type: Proprietorship, Partnership, Pvt. Ltd. Company, Public Ltd. 
• Minimum Business Vintage: At least 1 year in operation 
• Minimum Annual Turnover: Minimum turnover = ₹5 lakhs 
• Minimum Loan Amount: ₹2,00,000 
• Business Proof: Business or office ownership/residence documents required 

Total Repayment = Principal Amount + (Principal Amount × Interest Rate × Loan Tenure) + Processing Fees ± Prepayment Charges 

Where: 

• Principal Amount = Total amount borrowed 
• Interest Rate = Annual interest rate (e.g., 14% = 0.14) 
• Loan Tenure = Duration of the loan in months 
• Processing Fees = One-time fee (percentage of loan amount) 
• Prepayment Charges = Fee if repaid early (if applicable) 

Example: 
If you borrow ₹10,00,000 at a 16% interest rate for 3 years with a processing fee of ₹30,000: 

• Interest = ₹10,00,000 × 0.16 × 3 = ₹4,80,000 
• Processing = ₹30,000 
• Total Repayment= ₹14,10,000 

This gives a clear estimate of what the total repayment could look like. 

When considering any business loan, it’s essential to be aware of the various fees and charges that may apply. Key costs include a one-time processing fee, typically a percentage of the loan amount, which covers the application process. Additionally, prepayment charges may apply if you choose to pay off your loan early, while late payment fees can accrue if you miss a due date. Although interest rates are not classified as fees, they significantly impact the total cost of the loan, and Airtel Finance offers competitive rates worth comparing. 

Airtel Finance has partnered with banks and RBI-regulated non-banking financial companies (NBFCs) to deliver a range of flexible personal loan options. This partnership allows customers to customize their loan experience by choosing the loan amount, repayment tenure, and monthly EMI that align perfectly with their financial needs. Whether you’re a retailer, manufacturer, service provider, or trader, we offer personalized loan options based on your business profile and cash flow needs.