Business Loans

We take great pride in partnering businesses to achieve their varied needs with customised financial solutions. When we become your lending partner, we make sure that you can focus on growing your business while we promptly arrange the finances you need. We have designed our lending process to be among the simplest. Shortly after your application, we can match you with the business loan option that is perfect for you. As Fullerton India, we believe that we are much more than a lending company. We aspire to be your preferred partner for all your business needs - whether it's capital, support, or advice.

If you are planning business growth or start a new enterprise, we have a host of unsecured solutions for you. From buying or replenishing inventory, to purchasing equipment, to office expansion, to business marketing, and even paying for additional staff members, our small business loans provide you with maximum flexibility to grow your business with solutions to take care of all your short-term and working capital needs. What's more, you can get easy access to loans up to `50 lakhs* quickly without collaterals.

With over a decade of experience serving small business owners, we at Fullerton India have designed unique solutions to meet the needs of various types of industries whether it's retail, e-commerce, or travel. You can expect competitive business loan interest rates for businesses with high potential and motivated leaders like you!


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Features of Fullerton India Business loans

Apply online today, and begin to manage your account on our simple but highly powerful dashboard. With our seamless online tracking process, you can manage and change your custom preferences in seconds.

The small business loans from Fullerton India can be used for a variety of business purposes. Whether you require capital for inventory purposes, renovations, upgrading technology and equipment, or enhancing business cash flow, we have you covered.

We are always here to listen! Our friendly team is there for you through the process - from start to success. Get in touch with us on phone, email, or simply drop in at the nearest branch for a conversation!

*Terms and Conditions apply

Why Fullerton India Business Loan


Flexible loan facilities: With our best-in-class solutions in the market, you can access tailor-made products for all your business finance needs. Our flexible loan facility makes sure that you can withdraw the loan amount that you need and repay funds as and when they are available - all of this with zero prepayment charges!* This facility helps lower EMIs as the interest is only applicable on the amount that is disbursed.

Servicing capital requirements:With our customized solutions, you can get quick and easy business finance up to `50 Lakhs*. You can also rest assured of our interest rates to be the most competitive for start-up business loans.

Unsecured small business loans in under 24 hours*:Our transparent business loan eligibility criteria and minimal documentation requirements ensure quick, hassle-free disbursals.

Collateral-free offerings:With Fullerton India business loans, you do not need to provide a guarantor or pledge your assets*. This can allow small businesses that are still gaining a foothold in the industry to blossom into successful ventures early on.

Special offers customized for you: Our small business loan products come with pre-approved offers for your capital needs. You can also get a higher loan top-up amount and choose a repayment tenure up to 60 months as per your convenience. All you need to do is speak with our team today and find out what we have in store for you!

Online access for your convenience: You can track and manage your business loan account anytime, anywhere and across devices (desktop, mobile, or tablet) using our service portals and mobile applications.

* Terms and conditions apply



What is a business loan?

Business loans from Fullerton India can be used to meet medium-term capital needs of your business.

Do I need to pledge my assets or provide any other collateral to avail a small business loan?

You do not need to pledge any assets as security to get business finance from Fullerton India.

What is the maximum loan amount I can apply for?

You can avail a loan amount of up to INR `50 lakhs*. The amount would be calculated based on your income and other parameters. Speak to a Fullerton India customer service representative today to know more about your loan eligibility.

Business Loan Interest rates

At what rate of interest will I get a business loan?

Fullerton India offers competitively priced business loans to suit every customer’s needs. The business loan interest rate is decided by several factors including your income source, number of years in business, business stability, and existing monthly obligations.

To know more, please check the “Interest Rates” section on our page. You can also get in touch with a customer care representative or email us at [email protected] to know more.

Business Loan Eligibility

What is the eligibility criteria for applying for a small business loan?

To apply for a small business loan from Fullerton India, you need to be at least 25 years of age. Your age at the time of the maturity of the loan should be less than 65 years. This criterion is applicable to self-employed individuals. If you are a non-professional individual, a different set of eligibility criteria might apply to you. Get in touch with us on phone, email, or simply drop in at the nearest branch for a conversation!

Is there an eligibility criterion for enterprises?

Yes. The annual turnover for a small size business should be between INR `10 lakhs and INR `100 crores. Your business needs to be operational for the last three years with demonstrated positive trends in turnover and profit in the past two years. Your enterprise’s income tax returns for the past two years should reflect a taxable income of more than INR `2 lakhs per year. If your turnover is more than INR `30 crores and/or your requirement is for more than INR `50 lakhs, you should refer to the Fullerton India Loan Against Property for SME section to know more on business finance solutions available for the SME segment.

Business Loan EMI Calculator

What is small business loan EMI?

There are multiple ways to repay your small business loan from Fullerton India. The Equated Monthly Instalment (EMI) amount is one of the preferred ways for repayment as your loan amount is divided into equal, fixed sums. These amounts are paid on a monthly basis until the loan amount has been repaid in full. The monthly EMI consists of the principal amount and the interest accrued on the same.

How does the Fullerton India business loan EMI repayment method benefit businesses?

With EMIs, businesses can continue to repay the business loan even with cash constraints. You can purchase equipment, plant and machinery, and more, without needing to have liquidity to pay the costs up front.

Documents Required for Business Loan

What are the documents required for a business loan application?

At Fullerton India, documentation for business loan application involves basic KYC documents (PAN, Address proof), Bank Statements, business documents including latest ITR along with income, balance sheet, P&L accounts for the last 2 years along with CA certification, proof of continuation documents, etc. For a more complete list, please visit the "Documentation" page or speak with our customer care representative.

* Terms and conditions apply
** Subject to foreclosure charges. Terms and conditions applicable.

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

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1800 103 6001 Timings: 9:00 AM to 7:00 PM on all days (except Sundays and public holidays).
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