Working capital, machinery purchase, business expansion — get the funding you need to take your business to the next level. Up to ₹50 Lakhs.
Whether you need working capital or want to expand — we have the right product
Keep your business running smoothly with adequate working capital. Cover day-to-day expenses, salaries, and inventory procurement.
Up to ₹50L | 12–36 monthsPurchase new machinery, equipment, or upgrade your production line. Collateral is the machinery itself — simple process.
Up to ₹2Cr | 3–7 yearsOpen new branches, launch new products, enter new markets or scale your operations with term financing.
Up to ₹50L | 1–5 yearsLeverage MUDRA, CGTMSE, PMEGP and other government-backed schemes with subsidized rates and minimal collateral.
Subsidized Rates | Govt BackedConvert your outstanding invoices into immediate cash. Improve receivables management without waiting for payment.
Up to 90% of Invoice ValueMove your existing high-interest business loan to us at lower rates and get additional funds on top.
Save on InterestBusiness loans processed and disbursed within 48 hours for eligible profiles.
Access to PSU banks, private banks, NBFCs and fintech lenders under one roof.
Rates starting from 14% p.a. Best offers matched to your business profile.
Unsecured business loans available under CGTMSE guarantee scheme — no mortgage needed.
Get a dedicated loan advisor to guide you through the entire process from application to disbursal.
Choose from monthly EMIs, quarterly payments, or bullet repayment options based on cash flow.
Plan your repayments before you apply
Share basic business & promoter details
ITR, bank statements, GST returns & KYC
Business cash flow & creditworthiness review
Funds in your business account within 48 hrs
Business loans have the highest average ticket size — meaning bigger commissions for you. Partner with ArthOne and start earning on every business loan you refer.
Business loans are available up to ₹50 Lakhs for unsecured loans. Secured loans backed by property or machinery can go up to ₹2 Crores or more depending on the lender and your business profile.
Most banks and NBFCs require a minimum of 2 years of business operations with filed ITRs. However, under MUDRA and PMEGP government schemes, even newer businesses can qualify with 6–12 months of operation.
Yes, collateral-free business loans are available up to ₹2 Crores under the CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises) scheme. The government provides a guarantee to the lender, so you don't need to pledge property.
Typically required: KYC of promoters (PAN + Aadhaar), business registration certificate, last 2 years ITR with computation, last 12 months bank statements, GST returns, and financial statements (Balance Sheet + P&L). Additional documents may be needed based on loan type.
Interest rates for business loans start from 14% per annum and can go up to 24% based on the lender, your credit profile, business vintage, and loan type. Government-backed MUDRA loans have lower interest rates starting from around 8–10%.
GST registration is not always mandatory but is strongly preferred as it provides a clear revenue trail. For businesses below the GST threshold (₹20L turnover), alternative income proof like bank statements and ITR are accepted.
Yes, business loans are available for all entity types — Sole Proprietorship, Partnership, LLP, Private Limited, OPC, and Public Limited companies. Requirements and documentation vary slightly by entity type.
MUDRA (Micro Units Development Refinance Agency) loans are government-backed loans for small businesses. They come in 3 categories: Shishu (up to ₹50,000), Kishor (₹50,000–₹5L), and Tarun (₹5L–₹10L). Any non-farm micro or small business is eligible.
Quick approvals, competitive rates. Apply for a business loan today.
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