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Business Loan Eligibility

Business finance that fits your needs.

At Fullerton India, we know that you work hard to run your business. We provide financially responsible businesses with some of the best financial solutions in the market. In this endeavor, we integrate design and personalized services to forge meaningful relationships with our customers. The business loan eligibility criteria include parameters related to your enterprise as well as personal factors.

The following individuals and enterprises are eligible to apply for a small business loan from Fullerton India:

  • Self-employed individuals, proprietors, private limited companies, and partnership firms working in manufacturing, trading, or services.
  • Individuals who have been engaged in the current business for at least three years with a total of five years of business experience.
  • Individuals who are at least 22 years of age while applying for the loan. The loan is provided only if you will be less than 65 years of age at the time of maturity.
  • Enterprises with a minimum turnover of INR 10 Lakh.
  • Enterprises making profits for the past two years.
  • Enterprises with a Minimal Annual Income (ITR) of INR 2 Lakh per year.
  • If your requirement is for more than INR 50 lakhs, Fullerton India offers business loans secured against property. The eligibility criteria, interest rates and documentation in such cases will be different. For more details, please visit our Loan Against Property for SME page.

There might be additional documents required for the business loan at the time of verification. Speak to a customer care executive from Fullerton India to learn more.

What are the customer profiles considered for eligibility?

  • Self-employed professionals (SEP): Chartered accountants, architects, company secretaries, and allopathic doctors who are currently engaged in their profession.
  • Self-employed Non-Professionals (SENP): Under this profile, we consider retailers, proprietors, service providers, and traders and manufacturers.
  • Entities: Any private limited company, limited liability partnership, partnership, or closely held limited company is eligible to apply for a business loan. For entities whose requirements are more than INR 50 lakhs, please visit our Loan Against Property for SME page.

We also have loans catering to

How can we help?

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Have a query? You can contact us through any of the channels listed below.


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