Business Loan

Features & benefits

Fuel your business growth

Whether you're opening a second outlet, riding out a slow season, or finally buying the machine that's been on your wishlist — a business loan from Assetra Associates puts working capital in your account without you giving up equity or control. We size the loan, the tenure and the collateral ask to your actual business, not a one-size-fits-all bracket.

Loan amount up to ₹5 Crores
Interest rates starting from 12% p.a.
Tenure options from 1 to 7 years
Minimal collateral requirements
Quick approval within 3-5 business days
Customized repayment options

Apply for Business Loan → Check Eligibility →

₹0 Crores

Maximum loan amount

0% p.a.

Starting interest rate

3-5 days

Quick approval

Key benefits

Business loan advantages

Room to Grow

Open a new branch, add a product line, or take on the bigger order you couldn't before.

Cash Flow Cushion

Bridge payroll, supplier payments and the slow months without dipping into savings.

Equipment, Sorted

Finance the machinery, fleet or tech upgrade that pays for itself in efficiency.

Property to Build On

Buy, renovate or build out the commercial space your business actually operates from.

Match the loan to the need

Types of business loans

Different business needs call for different loan structures — here's what we arrange most often.

Assetra mascot flying with open arms between cloud islands holding a storefront, growth chart, delivery van, invoices with a handshake, and coins with a growing sprout — what a business loan can fund

Working Capital Loan

Cover day-to-day operating costs — payroll, rent, inventory — during lean cash-flow months.

Term Loan

A lump sum repaid over a fixed tenure — best for one-time expansion or growth investments.

Equipment Finance

Fund machinery, vehicles or technology purchases, often secured against the asset itself.

Inventory Funding

Stock up ahead of demand spikes or seasonal sales without tying up your own cash.

Vendor & Invoice Financing

Unlock cash tied up in unpaid invoices instead of waiting 30-90 days for client payments.

Merchant / POS Loans

Repay automatically as a small cut of daily card sales — built for retail and F&B outlets.

Requirements

Eligibility criteria

Business Type

Proprietorship, Partnership, LLP, Private Limited Company, or Public Limited Company.

Business Vintage

Minimum 2 years of continuous business operation.

Turnover

Minimum annual turnover of ₹25 lakhs.

Age

21 to 65 years of age for the business owner/director/partner.

Documentation

Required documents

Business Documents

Business registration certificate
GST registration (if applicable)
Shop & Establishment certificate
Partnership deed / MOA & AOA
Business / industry-specific licenses

Financial Documents

ITR for last 2-3 years
Audited financial statements (Balance Sheet & P&L)
Bank statements for last 6-12 months
GST returns (if applicable)

Owner / Director Documents

KYC documents (Aadhaar, PAN, Passport)
Proof of address & photograph
Personal bank statements & ITR (if required)

Collateral Documents (if applicable)

Property documents & valuation certificate
Property insurance documents
NOC from existing lenders

Loan details

Interest rates & charges

Interest Rates

Competitive rates tailored to your business needs.

From 12% p.a.

Varies based on business profile
Depends on collateral offered

Processing Fee

Transparent and reasonable processing charges.

1-2%

Minimum ₹10,000
Depends on loan amount

Other Charges

Additional charges that may apply to your loan.

Up to 4%

Prepayment penalty: up to 4%
Documentation charges: ₹5,000-15,000
Late payment fee: 2-3% p.m.

Plan your finances

Business loan EMI calculator

Estimate your monthly EMI based on loan amount, interest rate, and tenure.

Apply Now →

Questions & answers

Frequently asked questions

We offer various types of business loans including working capital loans, term loans for expansion, equipment financing, commercial property loans, and startup loans. Each loan type is designed to meet specific business needs with tailored terms and conditions.

Not always. While secured business loans (with collateral) typically offer higher amounts and lower interest rates, we also provide unsecured business loans up to certain limits based on your business credentials, turnover, and credit history. Requirements depend on the loan amount, purpose, and your business profile.

The approval process typically takes 3-7 business days after submission of all required documents. For unsecured loans or smaller amounts, approval might be faster. Disbursement happens within 2-4 business days after approval.

Yes, startups can apply, but options may be limited compared to established businesses. Generally, startups with at least 6-12 months of operational history and a promising business model can qualify for startup-focused loan programs, typically requiring a strong business plan and good personal credit score of the founder(s).