Business Loans
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Business Loans

We are proud to help your business achieve its needs with personalized business loan products. With Fullerton India as your lending partner, you can focus on growing your business while we take care of the finances. Our lending process is simple - with no jargon or complicated procedures. Apply now and, within a few minutes, we can match you to the small business loan option that is right for you. At Fullerton India, we are more than a lending institution. We are your trustable partners for all your business needs - whether they involve capital, support, or advice.

If you are considering taking on business finance for starting a new enterprise or for growth, we provide unsecured business loans for buying or replenishing inventory, purchasing equipment, office expansion, business marketing, and even paying for additional staff members. Fullerton India's small business loans provide you with the flexibility you need for scaling your business. We have ideal solutions for all your short-term and working capital requirements so that you can grow your enterprise with unsecured business loans. Get easy access to loans up to 50 lakhs quickly and without the need for collaterals.

Equipped with more than a decade of expertise serving small business owners, products from Fullerton India are curated to serve all your business finance requirements. Our solutions are designed to meet the needs of various types of industries whether you are in the business of retail, e-commerce, or travel. We create unrivalled products with low-interest rates for businesses with high potential - like yours.


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Features of Business Loans

Apply online today, and manage your account on the intuitive online dashboard. With the seamless online tracking process from Fullerton India, you can manage and change preferences in seconds.

At Fulelrton India, we are always here to listen. You can also access expert guidance from our team on the application - from start to finish - whether its information on the documents required for business loans or for general queries. Speak to our in-house customer service team over the phone, email, or at the nearest branch now to know more.

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.

Why Fullerton India Business Loan


Flexible loan facilities: With our best-in-the-industry solutions, you can access tailor-made products for all your business finance needs. Fullerton India's flexible loan facility ensures that you can withdraw the loan amount that you require and repay funds as and when they are available - all with zero prepayment charges. The facility helps ensure lower EMIs as the interest is only applicable on the amount that is taken.

Servicing capital requirements: With our customized solutions, you can get quick and easy business finance up to INR 50 Lakhs within 24 hours*. What’s more, start-up business loans from Fullerton India come with competitive interest rates.

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

Collateral-free offerings: With the Fullerton India business loan, you do not need to provide a guarantor or pledge assets*. It can be an incredible support for small businesses that are still gaining a foothold in the industry.

Special offers customized for you: Fullerton India's small business loan products come with pre-approved offers for your capital needs. You could avail a higher loan top-up amount or get access to a lower business loan interest rate in minutes. Speak to our customer service representative today to know more.

Online access for your convenience: You can check your Fullerton India business loan account at any time and from any place of your convenience - desktop, mobile, or tablet - through our customized service portals and mobile applications.

* Terms and conditions apply

FAQs

General

What is a business loan?

Business loans from Fullerton India are used to meet the medium-term capital needs for your business.

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

You do not need to hypothecate any assets to avail business finance from Fullerton India.

What is the maximum loan amount I can avail?

You can avail an amount of up to INR 50 Lakh. The amount would be calculated based on your income and other parameters. Speak to a Fullerton India customer service representative today to know more.

Business Loan Interest rates

At what rate of interest will I get the loan?

Fullerton India offers competitively priced business loans to suit every customer’s needs. The business loan interest rate is decided basis 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 namaste@fullertonindia.com 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. The 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, different eligibility criteria might apply to you. Speak to our customer service representative over the phone, on email, or at the nearest branch to know more.

Is there an eligibility criterion for the enterprise?

Yes. The annual turnover for the small business should be between INR 10 Lakh and INR 100 Crore. Also, your business needs to be operational for the last three years with demonstrated positive trends in turnover and profit for the past two years. The income tax returns for the past two years should reflect a taxable income of more than INR 2 Lakh per year. If your turnover is more than INR 30 Crore and/or your requirement is for more than INR 50 lakhs, you should refer to the Fullerton India SME loan 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 restraints. They can purchase expensive equipment, plant and machinery, and more without needing to have the requisite liquidity to pay the costs up-front.

Documentation

What are the documents required for business loan application?

At Fullerton India, documentation for business loan application involves basic KYC documents (PAN, Address proof), Bank Statements, business docyments including latest ITR along with income, balance sheet, P&L accounts for 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 a customer care representative.

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

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How can we help?

Get in Touch

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


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



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