Get Up To ₹ 1 Crore for Business Loans

Name: Investkraft
Address: Office No. 101A, D Mall, Netaji Subhash Place, Delhi, 110034, IN
Telephone: 9797971876

For startups and small businesses

Unsecured loan for day-to-day business needs

Term loans for expansion

Overdraft for working capital requirements

*For Partnership Companies, Pvt. Ltd., LCC companies, and other eligible legal entities.

Why InvestKraft?

We are India’s fastest growing fintech company with all BFSI services on one platform.

10 Lakh +

Happy Customers

5 Years +

Expertise & Excellence

5k+

IK Partners

*Disclaimers/Conditions Apply

Get your Business Loan Eligibility in minutes !

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What is a Business Loan?

A business loan is a kind of loan of which you take to start, run or expand a business or a startup. We, at InvestKraft, will help you get the required startup business loan or small business loan, depending on your requirement. With a low interest rate and quick disbursal, your business does not have to compromise on its operations.

Business Loan EMI Calculator

If you are planning to apply for a new business loan or for online business loan, then we recommend that you use our business loan EMI calculator to calculate your monthly EMI.

Loan amount

₹

₹1,000

₹1,00,00,000

Rate of interest (p.a)

1 %

50%

Loan tenure

1 yrs

30 yrs

Apply Now

Benefits of Business Loan from InvestKraft

At InvestKraft, you can get your business loan online in an easy, safe and convenient manner. Whether you are planning to start your new venture or small business, our online process for business loans can help you get the necessary funding within minutes. Let us see some of the unique features of a business loan from InvestKraft:

Easy Documentation

Paperwork takes time, and you don’t have it. We understand. That is why our process for business loan apply is designed with paperless documentation. Whether it is a startup loan for a new business or a small business loan, we keep things simple so you can focus on running your business, not gathering files.

Higher Loan Amount

With a limit of ₹1 crore through options like MSME Loans, Mudra Loans, and other small business loans, you do not have to worry about falling short on cash when it comes to your business

Lower Interest Rates

At InvestKraft, we help you access business loans at competitive interest rates, so repayment does not become a burden and hamper your growth. Use our Business Loan EMI Calculator to check your monthly EMI and make an informed decision.

Faster Amount Disbursal

Get an instant business loan through our digital business loan application system. Once your business loan is approved, it will be disbursed into your bank account quickly.

Financial Flexibility

From launching your dream startup to scaling your operations, we offer total financial assistance. With access to new business loans and unsecured business loans, you get funds as per your needs.

Zero Collateral

With our unsecured business loan, you do not have to pledge any property or security to get funds for your business.

How to Apply for a Business Loan from InvestKraft?

Applying for a business loan from InvestKraft is very simple and easy. In 4 simple steps, you can get your required amount in your bank account and get your business up and running.

Check Your Eligibility

Enter a few basic details to check your eligibility for a business loan.

Upload Documents

Upload your documents like your PAN, Aadhaar, and business proof.

Sign Your Loan Agreement

Review and sign the loan agreement digitally. Do not forget to include your KYC documents.

Grow Your Business

Once everything is verified, your business loan amount gets disbursed directly to your account.

Eligibility Criteria for Business Loans

The following are the eligibility criteria for a business loan:

Criteria	Requirement
Age	Applicant must be between 18 to 65 years of age
Business Vintage	Business should be operational for at least 2 years
Annual Turnover	Minimum business turnover should be ₹6 lakh per year
Applicant Type	Self-employed individuals, company owners, proprietors, and partners of registered firms are eligible

Please note that these are the basic eligibility criteria. Depending on the lender, your financial background, your credit score and repayment capacity, these eligibility criteria may change.

Documents Required for Business Loan

The following are the documents that are required to get a business loan. Please note that the following table mentions only the basic documentation required. Depending on your requirement and financial background, these may change.

Document Type	Details
KYC Documents	PAN Card (Company + Proprietor/Partner/Director), Aadhaar, Passport
Address Proof	Electricity Bill, Rent Agreement, or any officially valid document
Business Proof	Business Registration Certificate, GST Certificate, or Shop Act License
Business Address Proof	Utility Bill or Rent Agreement if different from registration document
Financial Documents	Last 6 months’ bank statement of the business

Important Information About Interest Rates

Every business needs money, whether it is required to run daily operations or for expansion. That is why business loans are very important for your business. Now, traditional banks may require you to submit a lot of paperwork and other documentation, and the process can be very lengthy.

That is why InvestKraft can help you get the required business in a short time. The following table shows some of the important interest rates and other important terms related to the business loan from InvestKraft.

Particulars	Details
Rate of Interest (ROI)	Starts from 9.75% to 30% per annum, depending on the loan type and profile
Maximum Loan Amount	Get up to ₹1 crore as an unsecured business loan
Repayment Tenure	Flexible tenure from 12 months to 5 years, extendable as per business needs
Stamp Duty and Other Charges	As per applicable state laws and regulations
Pre-closure/Foreclosure Charges	Varies from 0% to 5% of the outstanding loan amount, depending on the lender
Senior Citizen Discount (HDFC)	10% discount on service charges for senior citizens

Frequently Asked Questions

GETTING STARTED

Since a business loan is an unsecured loan, you can use it in any way you want like for business expansion, paying wages, installing a manufacturing unit, purchasing raw material, and for other purposes.

Yes, through InvestKraft’s online loan application process, you can expect faster loan processing and quick amount disbursal.

Investkraft allows applicant to apply for a business loan with a maximum amount of up to ₹1 crore.

Yes, you can get a loan regardless of your credit score, but unintentionally doing so raises the interest rates. It is suggested that you put in efforts to increase your credit score before applying.

Yes. Business loans from Investkraft are all-inclusive solutions that may be leveraged for a variety of momentary needs, including working capital management, inventory management, and equipment purchases.