Flexi Business Loan

Flexi Loans offers unsecured business loans at interest rates starting from 1% per month for loan amounts going up to Rs 10 crore and repayment tenures extending up to 5 years. The non-banking financial company (NBFC) offers business loan schemes for different categories of loan applicants like women borrowers, MSMEs, SMEs, small businesses, etc. FlexiLoans claims to provide instant business loans with minimal documentation, instant approval and disbursal within 3 days of loan approval.

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Best Loan Offers

Curated Offers from 20+ Lenders

Unsecured Loan

Term Loan & OD Facilities Available

Expert Advice

Guidance & Assistance

Top Up Facility

Loan to Get Additional Funds

Flexi Business Loan Key Highlights

Interest Rate	1% per month onwards
Loan Amount	Up to Rs 10 crore
Loan Tenure	Up to 5 years
Processing Fees	Up to 2% of the loan amount

Note: Rates as on 1st September 2026

Flexi Business Loan Interest Rates

Flexi Business Loan interest rates start from 1% per month onwards for its business loan schemes.

Fees and Charges for Flexi Business Loans

The fees and charges for the different business Loans from Flexi are mentioned below:

Particulars	Concessions
Processing fees	Up to 2% of the loan amount

Types of Business Loans provided by Flexi Loans

Flexi Term Loan for Business

Purpose: Flexi loans offers unsecured term loans for business entities in the form of working capital, overdraft and equipment financing. The lender finalises the term loan amount based on the age and stability of the business unit, outstanding debts and CIBIL score.

Interest Rate: 1% per month onwards

Loan amount: Rs 50,000 to Rs 1 crore

Loan tenure: Up to 2 years

Flexi Loans Against POS

Purpose: Flexi Loans provides unsecured loan against point of sale (POS) machines wherein the lender offers a merchant cash advance loan on the future debit and credit card swipes that small business owners can obtain from the lender. Flexi Loans claims to disburse the loan within 48 hours of approval.

Loan amount: Up to Rs 1 crore

Loan tenure: 3 months to 3 years

Flexi Line of Credit Loan

Purpose: Flexi Loans offers line of credit loans to address the immediate financial needs of business entities wherein the customer needs to pay interest only on the amount borrowed during the specified period. The NBFC claims to disburse the loan amount in the applicant’s account within 48 hours of approval.

Loan amount: Up to Rs 1 crore

Loan tenure: 3 months to 3 years

Flexi Vendor Financing

Purpose: Flexi Loans Vendor Financing Loans enable businesses to finance the acquisition/purchase of goods and services from their vendors.

Loan amount: Up to Rs 2.5 crore

Loan tenure: Up to 3 years (the tenure for loan against invoice is 30 to 120 days)

Flexi MSME Loan

Purpose: Flexi Loans offers unsecured business loans for micro, small and medium enterprises (MSME) units which enables them to meet their working capital requirements apart from purchase of machinery and equipment. The lender claims to provide loan approval within 3 business days.

Interest Rate: 1% per month onwards

Loan amount: Rs 50,000 to Rs 1 crore

Loan tenure: Up to 3 years

Flexi SME Loan

Purpose: Flexi Loans provides unsecured business loans for small and medium enterprises (SME) units to enable them to expand their business, service both their regular and seasonal working capital needs & manage short term gaps in cash flows.

Interest Rate: 1% per month onwards

Loan amount: Rs 50,000 to Rs 1 crore

Loan tenure: Up to 3 years

Flexi Business Loan for Women

Purpose: Flexi provides unsecured business loans for women entrepreneurs to enable them to expand their business, take care of regular/seasonal working capital needs, manage short term cash flow gaps, etc.

Interest Rate: 1% per month onwards

Loan tenure: 1 to 5 years

Flexi Small Business Loan

Purpose: Flexi Loans provides unsecured business loans for small business units to enable them to expand their inventory, manage seasonal requirements, arrange funds for sudden cash requirement due to irregular cash flows, etc.

Interest Rate: 1% per month onwards

Loan amount: Up to Rs 10 crore

Loan tenure: Up to 3 years

Flexi GST Business Loan

Purpose: Flexi Loans offers GST business loans, an unsecured facility, to MSME units based on their GST returns to expand their business, manage seasonal/regular cash flow needs, take care of their short-term cash flow gaps, etc.

Interest Rate: 1% per month onwards

Flexi Business Loan Eligibility Criteria

The business loan eligibility criteria set by Flexi Loans for its loan applicants are mentioned below:

Flexi Term Loan for Business

Age of loan applicant(s): 21 years (when applying for loan) to 65 years (at loan maturity)
Age of business (from date of registration): 1 year
Minimum monthly sales: Rs 2 lakh
Individual corporations, sole proprietors and private companies (involved in trading, production or services)
Minimum work experience: 5 years (of which 3 years should be in the industry)
The business should have been running for at least 1 year

Flexi Loan against POS

Age of loan applicant(s): 21 years (when applying for loan) to 60 years (at loan maturity)
Monthly Credit/Debit Card swipes of at least Rs 20,000
At least 6 months’ worth of credit/debit card swipes
Age of business (from date of registration): 1 year
Minimum monthly sales: Rs 1 lakh
Individual corporations, sole proprietors, one person company (OPC), limited liability partnerships (LLPs) and private companies (involved in trading, production or services)
Minimum work experience: 5 years (of which 3 years should be in the industry)
Companies running for more than 3 years can apply for the loan

Flexi Line of Credit

Age of loan applicant(s): Between 21 years and 65 years
Age of business (from date of registration): 1 year
Minimum monthly sales: Rs 2 lakh
Individual corporations, sole proprietors and private companies (involved in trading, production or services)
Minimum work experience: 5 years (of which 3 years should be in the industry)

Flexi MSME Loans

Age of loan applicant(s): 21 years (when applying for loan) to 65 years (at loan maturity)
Individual corporations, sole proprietors and private companies (involved in trading, production or services) are eligible for availing this business loan.
Minimum work experience: 5 years (of which 3 years should be in the industry)
Companies running for more than 3 years can apply for MSME loans

Flexi SME Loan

Age of loan applicant(s): 21 years (when applying for loan) to 65 years (at loan maturity)
Age of business (from date of registration): 1 year
Individual corporations, sole proprietors and private companies (involved in trading, production or services)
Minimum work experience: 5 years (of which 3 years should be in the industry)
Businesses that have been running for more than 3 years can apply for the loan

Flexi Business Loan for Women

Age of loan applicant(s): 21 years (when applying for loan) to 65 years (at loan maturity)
Age of business (from date of registration): 1 year
Minimum monthly sales: Rs 2 lakh
Individual corporations, sole proprietors and private companies (involved in trading, production or services)
Minimum work experience: 5 years (of which 3 years should be in the industry)
The business should have been running for at least 1 year
Businesses that have been running for more than 3 years can apply for the loan

Flexi Term Loan for Business

The loan borrowers should have a valid work order, invoice or purchase order of at least Rs 1 lakh
Age of business (from date of registration): 1 year

Flexi GST Loan

Minimum business vintage: 1 year
Minimum monthly sales: Rs 2 lakh

Flexi Small Business Loan

Age of loan applicant(s): 21 years (when applying for loan) to 65 years (at loan maturity)
Age of business (from date of registration): 1 year
Minimum monthly sales: Rs 2 lakh
Individual corporations, sole proprietors and private companies (involved in trading, production or services)
Minimum work experience: 5 years (of which 3 years should be in the industry)
The business should have been running for at least 1 year
Businesses that have been running for more than 3 years can apply for the loan

Documents required for Flexi Business Loan

The documents required for availing different types of Flexi business loan schemes are mentioned below:

For Term Loans

Personal KYC: PAN card
Residential Address proof (Any one): Driving licence, Voter ID, Rent agreement, Ration Card, Aadhaar Card, passport, etc.
Last 6 months current account bank statement
Business documents (any one): GST registration certificate, shops and establishment certificate, etc.
Financial documents (for loans above Rs 20 lakh): audited financials and ITR of last 2 years and GST returns of 6 months

For Flexi Loans against POS

Personal KYC: PAN card
Residential Address proof (any one): Driving licence, Voter ID, Rent agreement, Ration Card, Aadhaar Card, passport, etc.
Last 6 months current account bank statement receiving card payment settlements
Business documents (any one): GST registration certificate, shops and establishment certificate, etc.
Financial documents (for loans above Rs 20 lakh): audited financials/ITR of last 2 years and GST returns of 6 months

For Flexi Vendor Financing Loan

Personal KYC: PAN card
Residential Address proof (any one): Driving licence, Voter ID, Rent agreement, Ration Card, Aadhaar Card, passport, etc.
Last 6 months current account bank statement
Business documents (any one): GST registration certificate, shops and establishment certificate, etc.
Financial documents (for loans above Rs 20 lakh): audited financials/ITR of last 2 years and GST returns of 6 months

For Flexi Line of Credit

Personal KYC: PAN card
Residential Address proof (any one): Driving licence, Voter ID, Rent agreement, Ration Card, Aadhaar Card, passport, etc.
Last 6 months current account bank statement
Business documents (any one): GST registration certificate for shops and businesses
Financial documents (for loans above Rs 20 lakh): audited financials/ITR of last 2 years and GST returns of 6 months

For Flexi MSME Business Loans

Personal KYC: PAN card
Residential Address proof (any one): Driving licence, Voter ID, Rent agreement, Ration Card, Aadhaar Card, passport, etc.
Last 6 months current account bank statement
Business documents (any one): GST registration certificate, shops and establishment certificate, etc.
Financial documents (for loans above Rs 20 lakh): audited financials/ITR of last 2 years and GST returns of 6 months

For Flexi Small Business Loans

Personal KYC: PAN card
Residential Address proof (any one): Driving licence, Voter ID, Rent agreement, Ration Card, Aadhaar Card, passport, etc.
Last 6 months current account bank statement
Business documents (any one): GST registration certificate, shops and establishment certificate, etc.
Financial documents (for loans above Rs 20 lakh): audited financials/ITR of last 2 years and GST returns of 6 months

For Flexi SME Business Loans

Personal KYC: PAN card
Residential Address proof (any one): Driving licence, Voter ID, Rent agreement, Ration Card, Aadhaar Card, passport, etc.
Last 6 months current account bank statement
Business documents (any one): GST registration certificate, shops and establishment certificate, etc.
Financial documents (for loans above Rs 20 lakh): audited financials/ITR of last 2 years and GST returns of 6 months

For Flexi GST Business Loans

Personal KYC: PAN card
Residential Address proof (any one): Driving licence, Voter ID, Rent agreement, Ration Card, Aadhaar Card, passport, etc.
Last 6 months current account bank statement
Business documents (any one): GST registration certificate, shops and establishment certificate, Business PAN Card etc.

For Flexi Business Loans for Women

Personal KYC: PAN card
Residential Address proof (any one): Driving licence, Voter ID, Rent agreement, Ration Card, Aadhaar Card, passport, etc.
Last 6 months current account bank statement
Business documents (any one): GST registration certificate, shops and establishment certificate, Business PAN Card etc.

Note: Flexi Loans may ask their business loan applicants for additional documents, apart from the ones mentioned above, based on their loan applicants’ credit profile.

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