Business Loan

Fuel your business growth with our business loan with interest rate starting from 15%* p.a. Get financing up to ₹ 75 Lakh with a repayment tenure of up to 60 months. Our business loan are collateral-free and have a simple application process. You can get quick loan approval and disbursal directly into your bank account. Our dedicated team is committed to providing personalised support and ensuring a seamless experience for you.

Features & Benefits
EMI Calculator
Documentation & Eligibility
Fees & Charges
Frequently Asked Questions

Loan Amount

Grow your business from loan amount from ₹ 7 to ₹ 75 Lakh*

Low Interest Rate

Easy loans with attractive rate of interest starting from 15%* p.a.

Flexible Tenure

Repay your loan with a maximum tenure of up to 60 months

Convenient Overdraft Facility

Easily access extra funds with online overdraft facility

Fast Approval with Simple Process

Real time update of stages with quick loan approval and disbursal

Collateral Free

There is no need to mortgage your belongings to get a loan

EMI Calculator

Results generated by the calculator(s) are indicative in nature.

Preferred loan amount

₹

₹ 7,00,000

₹ 75,00,000

Interest rate (per annum)

15.00%

21.50%

Loan tenure (months)

12 months

60 months

Estimated EMI

per month

₹ 36,690
Interest payable
₹52,41, 690

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Eligibility & Documents

Eligibility

Age:

Applicants must be 24 to 65 years old.

Turnover:

The business should have an annual turnover ranging from ₹ 80 Lakh to ₹ 250 Crore

Minimum Business Vintage:

Your business should have been operational for at least 3 years.

Credit History:

A minimum of 6 months of credit history is required.

Documents

KYC Documents

Firm / Company: PAN Card | Address Proof | GST Registration Certificate (if applicable) and other applicable registrations

Proprietor / Partner / Director: PAN Card | Aadhaar Card | Electricity Bill | Rent Agreement | Index II

Income Documents

Income Tax Returns along with computation for latest 2 years (wherever applicable)

Profit / Loss statement and Balance Sheet for the latest 2 years (wherever applicable)

GST Returns (wherever applicable)

Bank Account Statement

Operative Bank Account Statement for Latest 12 months

FAQs & Support

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Can I get a doctor's loan without collateral?

Yes, the Doctor Loan for the clinic offered by L&T Finance is unsecured, meaning no collateral is required. This allows doctors to obtain necessary funds without pledging any assets.

How can I apply for a Business Loan for Company Secretary?

You can apply for a Business Loan for Company Secretary through the L&T Finance website or mobile app. Register, complete your KYC, upload the required documents, and get your loan eligibility instantly.

Are there any prepayment charges for a CS Loan?

Yes, there are prepayment charges for CS Loans. If prepayment is made after 6 months from disbursement, the charges are 2% of the principal outstanding plus applicable taxes.

What is the purpose of a Professional Loan?

The purpose of a Professional Loan is to provide financial assistance to professionals like Company Secretaries for business expansion, working capital, office setup, renovation, and other business-related expenses.

Can I apply for a CA loan with a co-applicant?

Yes, you can apply for a CA loan with a co-applicant. Having a co-applicant may increase your eligibility and improve the chances of loan approval.

Are there any tax benefits associated with a CA loan?

The interest paid on a CA loan may be tax-deductible as a business expense under the Income Tax Act, subject to certain conditions. Consult a tax advisor for detailed information.

How can I track my CS Loan application status from L&T Finance?

You can track your CS Loan application status through the L&T Finance website or mobile app. You will receive real-time updates on your application status.

How do I calculate the EMI for a Business Loan for doctors?

You can use online EMI calculators available on financial websites to calculate the EMI for a Business Loan for doctors. Input the loan amount, interest rate, and tenure to get an estimate of your monthly instalments.

Who is eligible for a CA loan?

Eligibility for a CA loan typically includes being a practising Chartered Accountant with a valid CA license. Additional criteria may include a minimum age requirement (usually 24 years) and minimum years in practice or employment.

Are there any prepayment charges for a CA loan?

Yes, there may be prepayment charges for a CA loan. These charges can vary based on the lender's policy. For instance, L&T Finance may charge up to 2% of the outstanding principal amount for prepayment.

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Testimonials

SME Loan

As a 2nd generation entrepreneur, expanding my PVD coating business was made easy with L&T Finance. The process was fast & smooth, with minimal paperwork & the best interest rates. All documents got digitally uploaded & approved. PLANET App mae part payments & additional withdrawals easy.

Harsh Gosalia

Pune, Maharashtra

Business Loan

Setting up a molecular lab post-pandemic was challenging, but L&T Finance made it possible with quick turnaround, minimal documentation, and competitive rates. Thanks to their support, I expanded services, reduced waiting times, and offered new tests, serving more people efficiently.

Dr. Hrishikesh Chevle

Thane, Maharashtra

SME

The special aspects of L&T Finance SME Loans are their faster turn around time, minimal documentation. I had a very good experience with L&T Finance SME Loans and I recommended it to a lot of my Doctor friends who have equally benefitted.