Business Loan - Cheema Capital | Fuel Your Business Growth

Business Loan Overview

A business loan provides financial support to entrepreneurs and business owners to start a new venture, expand operations, purchase equipment, manage cash flow, or invest in business growth opportunities.

At Cheema Capital, we offer business loans with competitive interest rates, flexible repayment options, and minimal documentation requirements to ensure your business gets the funding it needs quickly.

Loan Amount

₹5,00,000 - ₹50,00,000

Interest Rate

Starting from 12.99% p.a.

Tenure

12 - 84 months

Processing Time

As quick as 3-5 business days

Features & Benefits

Quick Approval

Get your business loan approved in as little as 3-5 business days with our streamlined process.

Minimal Documentation

We require only essential business documents to process your loan application quickly.

Flexible Tenure

Choose a repayment period that suits your business cash flow, from 1 to 7 years.

Collateral Options

Both secured and unsecured business loan options available based on your requirements.

High Loan Amount

Borrow up to ₹50 lakhs based on your business eligibility and requirements.

Competitive Interest Rates

Enjoy attractive interest rates starting from just 12.99% per annum.

Eligibility Criteria

Business age of at least 2 years
Minimum annual turnover of ₹25 lakhs
Profitable business for at least 1 year
Good credit score (preferably 700+)
Business must be registered (Proprietorship/Partnership/LLP/Pvt Ltd)
Age of applicant between 25 and 65 years
Indian citizen with valid ID proof

Required Documents

Identity Proof (Aadhaar Card, PAN Card, Passport)
Address Proof (Aadhaar Card, Utility Bills, Rental Agreement)
Business Registration Documents
GST Registration (if applicable)
Business Financial Statements for last 2 years
Income Tax Returns for last 2 years
Bank Statements for the last 6 months
Business Proof (Trade License, Shop Establishment Act)

Application Process

Fill the Application Form

Complete our simple online application form with your business and financial details.
Document Submission

Upload the required business documents for verification and processing.
Business Verification

Our team will verify your business details, financials, and documents.
Loan Approval

Upon successful verification, your business loan will be approved.
Disbursement

The approved loan amount will be transferred directly to your business bank account.

Frequently Asked Questions

What is the maximum business loan amount I can get?

The maximum business loan amount you can get is ₹50,00,000, depending on your business turnover, profitability, credit score, repayment capacity, and other eligibility factors.

How long does it take to get a business loan approved?

At Cheema Capital, we strive to provide quick approvals. Typically, business loans are approved within 3-5 business days after complete document submission, and disbursement happens within 1-3 business days after approval.

Can I get a business loan for a new business?

Business loans typically require at least 2 years of business operation. However, for new businesses, we offer startup funding options with different eligibility criteria. Please contact our team for more details on startup funding.

What happens if I miss an EMI payment?

Missing an EMI payment can result in late payment charges, typically 2-3% of the EMI amount. It can also negatively impact your credit score. If you anticipate difficulty in paying an EMI, it's best to contact us in advance to discuss possible solutions.

Can I prepay my business loan?

Yes, you can prepay your business loan partially or fully. However, prepayment is usually allowed only after you have paid a certain number of EMIs (typically 6-12 months). A prepayment charge of 2-5% on the outstanding principal may apply.