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FlexiLoans Business Loan

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HDFC Bank
Max Loan Amt.Upto ₹75L
Rate of Interest10.75% - 28%
Tenure uptoUpto 5 Years
Processing FeeUpto 2%
ICICI Bank
Max Loan Amt.Upto ₹50L
Rate of Interest13.25% 19.25%
Tenure uptoUpto 5 Years
Processing FeeUpto 2%
Axis Bank
Max Loan Amt.Upto ₹75L
Rate of Interest15% - 19.25%
Tenure uptoUpto 5 Years
Processing FeeUpto 2%
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How Can I Apply for a Business Loan Online?

Get up to ₹1 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

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Step 3: Provide your personal details.

Step 4: Select a bank account for account aggregator consent.

Step 5: Compare offers and apply for the best-suited loan.

FlexiLoans Business Loan 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: Interest rates as of 15th April 2024

FlexiLoans Business Loan Interest Rates

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

Fees and Charges for FlexiLoans Business Loans

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

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

Types of Business Loans provided by FlexiLoans

FlexiLoans Term Loan for Business

Purpose: FlexiLoans 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

FlexiLoans Loans Against POS

Purpose: FlexiLoans 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. FlexiLoans claims to disburse the loan within 48 hours of approval.

Loan amount: Up to Rs 1 crore

Loan tenure: 3 months to 3 years

FlexiLoans Line of Credit Loan

Purpose: FlexiLoans 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

FlexiLoans Vendor Financing

Purpose: FlexiLoans 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)

FlexiLoans MSME Loan

Purpose: FlexiLoans 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

FlexiLoans SME Loan

Purpose: FlexiLoans 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

FlexiLoans Business Loan for Women

Purpose: FlexiLoans 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

FlexiLoans Small Business Loan

Purpose: FlexiLoans 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

FlexiLoans GST Business Loan

Purpose: FlexiLoans 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

FlexiLoans Business Loan Eligibility Criteria

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

FlexiLoans 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

FlexiLoans 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

FlexiLoans 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)

FlexiLoans 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

FlexiLoans 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

FlexiLoans 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

FlexiLoans 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

FlexiLoans GST Loan

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

FlexiLoans 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 FlexiLoans Business Loan

The documents required for availing different types of FlexiLoans 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 FlexiLoans 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 FlexiLoans Vendor Financing

  • 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 FlexiLoans 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 FlexiLoans 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 FlexiLoans 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 FlexiLoans 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 FlexiLoans 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 FlexiLoans 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: FlexiLoans 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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All Your Needs

How Can I Apply for a Business Loan Online?

Get up to ₹1 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Enter OTP to verify your mobile number.

Step 3: Provide your personal details.

Step 4: Select a bank account for account aggregator consent.

Step 5: Compare offers and apply for the best-suited loan.

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