Fullerton India understands that each business has unique financial needs. We take great pride and effort in ensuring that business owners and entrepreneurs meet their business goals by offering them the best possible financial solutions. We work hard in ensuring customer convenience so that you can focus on growing your business while leaving the financial aspects to us. To this end, we have designed an end to end digital process so that you can apply for a business loan from the convenience of your home, anytime and anywhere. 

Based on the information you provide on your online small business loan application, we provide you with solutions that best fit your needs.

Whether you are planning expand your business or starting up a new enterprises, Fullerton India has a wide array of unsecured solutions of up to `50 lakhs* to support you. Our flexible solutions help you take care are not just your capital requirements but also short-term and working capital needs towards everything from buying or replenishing inventory, to purchasing equipment, to office expansion, to business marketing, and even paying for additional staff. With over a decade of experience serving small business owners, we at Fullerton India strive to provide the best business loans in Indiaas per the requirement of every unique customer across various sectors including retail, e-commerce, and travel.

Business Loan Features & Benefits

Apply online for business loan 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. Other benefits include:

Flexible loan facilities: With our flexible loan facility, you repay your loan within 12 – 60 months as per your convenience. Thus, you can ensure that your repayment schedule matches your cash flow. There are also options for foreclosure that allow you to prepay the loan amount without any extra charges*.

Servicing capital requirements: We offer quick and easy finance for up to `50 lakhs* to small businesses. Our competitive interest rates ensure that your cost of capital remains low.

Small business loans within 24 hours*: We understand that opportunities do not knock twice. This is why we have transparent business loan eligibility criteria and minimal documentation requirements that allow you to get the funds when you need them.

No collateral: With Fullerton India, you can get collateral free business loans* and needn’t pledge your personal or business assets to finance your small business.

Tailormade solutions: 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 repayment tenure up to 60 months as per your convenience.

Online account access: 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

Documents required for a Business Loan

At Fullerton India, documentation for business loan application involves basic KYC documents (PAN, Address proof), Bank Statements and business documents. Here is a list for your quick reference.

  • Recent photograph
  • Valid Identity Proof such as PAN card, Driving License
  • Valid Address Proof such as Electricity bill, Passport
  • Bank statements
  • GST or ITR
  • Income proofs
  • Proof of Business existence (like Certificate of Incorporation, etc.)

For a more complete list, please visit the Business Loan Documents page or speak with our customer care representative.

How to apply for a Business Loan?

To apply for business loan online, visit Fullerton India’s Apply Now page to start the application process.

  1. Click on Business Loan or SME Loan based on your requirements.
  2. Enter the information requested and upload the necessary documents.
  3. Enter the loan amount and select tenure
  4. Based on the information you enter, you will be given an instant decision – that is, you will be informed immediately if the organisation will consider your application going forward.
  5. If yes, you will be given a reference number. Please save this number for future communication.
  6. A Fullerton India representative may get in touch with you for any further information that may be required.
  7. Your loan application will go through various stages of verification, which also includes verification of all documents as well as physical address verification & document collection.
  8. After verification is complete, you will be given a customised offer on the loan amount as well as the rate of interest.
  9. Post approval, the loan amount will be disbursed to your bank account.

*Terms and Conditions apply

If you are an existing customer of Fullerton India, you may be eligible for Emergency Credit Line Guarantee Scheme.


What is a business loan?

A Business loan is a debt instrument used specifically for business finance like funding the expansion of your business, purchasing long-term assets for the business, or meeting the working capital requirements. It has to repaid according to certain agreed upon terms and conditions. At Fullerton India, business loans are tailor-made with your cashflow in mind so that you can repay it without compromising on your other expenses.

What is the maximum loan amount I can apply for?

You can avail a loan amount of up to INR Rs. 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 business loan eligibility.

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

Fullerton India offers competitively priced business loans between 17% – 21%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. Please click to check the current business loan interest rates offered as well as other details.

What are 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.

* 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).