Calculate your eligibility with our smart business loan eligibility calculator


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Disclaimer The above business loan eligibility calculator is merely an indicative tool to check eligibility ... Read More

Our business finance solutions are carefully designed for a host of needs. Whether you are looking to set up a new enterprise, grow your business, or increase working capital, we have customised solutions can help your growth at every step.

Our business loans are offered at competitive interest rates along with several other benefits that support you in reaching your business goals. With our online account offering, you can also track and manage a range of tasks on any device, anywhere.

We understand that each business has its unique needs. That's why, we identify the potential of your business based on relevant parameters. We look at your CIBIL credit score to determine the loan amount along with our own processes for precise evaluation. With Fullerton India’s 360-degree approach, we make sure that every small business can access unsecured loans to fulfil their business needs. With seamless use of technology, we have completely simplified the small business loan application procedure. So, go ahead and try our business loan eligibility calculator for a quick understanding!

Business Loan Eligibility

If you are thinking of availing a business loan, you need to meet certain criteria for the same.

These business loan eligibility criteria are mentioned below -

  • Self-employed individuals, proprietors, private limited companies & partnership firms working in trading, manufacturing or services.
  • Individuals associated with the current business for a minimum of 3 years (plus a total of 5 years of business experience).
  • Individuals should be at least 22 years of age while applying for the loan & less than 65 years of age at the time of maturity.
  • Enterprises making profits for the past two years.
  • Enterprises with a minimum turnover of INR 10 Lakhs.
  • Enterprises with a Minimal Annual Income (ITR) of INR 2 Lakhs per year.

How is Business Loan Eligibility Calculated?

Business loan eligibility criteria consists of varied parameters including your CIBIL score, your tax payment record, bank balance, credit utilisation ratio, and more. In order to be eligible for a higher loan amount, you should keep the following factors in mind:

  • Ensure a good CIBIL score: Your credit score plays a key role in determining eligibility criteria. A CIBIL score of less than 700 can impact your business loan eligibility*.
  • Pay your taxes and EMIs on time: If you have a clean and punctual past record of making payments, a higher loan amount could be waiting for you.

With Fullerton India’s smart and simple business loan eligibility calculator, you can quickly estimate the amount of business loan that you can avail and also get instant approval online. The loan amount is disbursed within 24 hours!*

*Terms and Conditions apply

How to Use the Fullerton India Business Loan Eligibility Calculator?

Our online business loan calculator is a helpful tool that gives you an instant estimate of your business loan eligibility.

Follow the steps below for a quick estimate:

  • Select your location
  • Enter your age. You have to be at least 22 years old when you apply for a loan, and a maximum of 65 years of age (at the time of loan maturity).
  • Select your annual profit after all tax deductions.
  • Select your current monthly EMIs. This should be equal to the sum of all EMIs that you are currently paying, including any on credit card.

You will be able to see the business loan amount you are eligible for on the right side. You can also change the rate of interest and tenure as per your preference.

Please note that this calculator only gives you an indicative figure. Actual business loan eligibility depends on many more factors, including employment details, credit history and more. To know the exact figure, you can “Apply now” and help us with some additional information as requested.

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