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Business Loan | scalexfinance

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ScaleX Finance
Get Started

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Business Loan

Fuel Your Business Growth

Unsecured and secured business loans matched to your exact profile- from India’s leading Banks and NBFCs, facilitated by scaleX Finance.

Fast Approval Flexible Repayment Multiple Lenders
Check Loan Eligibility Talk to an Advisor
Business growth with ScaleX Finance

Loan Amount

₹ 5 Lakh - ₹ 5 Cr

Interest Rate

Starting 12% p.a

Tenure

12- 60 Months

Processing Time

3-7 Working Days

About Business Loan

Running a business means constantly thinking about when and where to deploy capital. Whether you are managing working capital gaps, purchasing inventory, upgrading machinery, or funding expansion, ScaleX connects you to the right lender for your specific need instead of a one-size-fits-all product.

We work with over 50 banks and NBFCs across secured and unsecured business loan categories. Our team evaluates your business profile, turnover, banking behavior, credit history, and sector, and matches you to the lenders most likely to approve, at the most competitive terms available for you.

Business growth advisory with ScaleX Finance

Eligibility Criteria

Age

21-65 Years

Indian Citizen

Mandatory

Income Criteria

₹3L+ annual profit

Credit Score

700+ preferred

Business Vintage

2+ years

Annual Turnover

₹40L+

Business Type

Proprietorship / Pvt Ltd

Stable Banking

History preferred

Documents Required

Identity Proof

PAN, Aadhaar, Passport

Property Documents

Ownership, Agreement

Address Proof

Utility Bill, Rent Agreement

GST Documents

Last 4 Quarters Filings

Income Proof

ITR, Computation of Income

Financial Statements

Audited P&L, Balance Sheet

Business Registration

GST / Shop Act / Incorporation

Bank Statements

Last 12 Months

Interest Rates & Charges

Component Details
Interest Rate 10.5% – 18% p.a. Reducing balance basis
Processing Fee Up to 2.5% Nil for select partners
Prepayment Charges 2% on outstanding Nil after 12 EMIs
Foreclosure Charges 1% – 4% Nil after lock-in
Documentation Charges ₹999 – ₹4,999 Waived for premium plans
GST 18% on fees As applicable

EMI Calculator

Estimate Your Monthly EMI

Use our EMI Calculator to instantly estimate your monthly repayments and plan your finances with confidence before applying for a loan.

[loan_calculator]

How It Works

Financial advisor reviewing growth charts with a client — smarter financing, stronger businesses

4 Easy simple steps from application to disbursement

STEP 01

Share Your requirement

Fill the enquiry form or speak with our advisor

STEP 02

Document Collection

Our team collects and verifies your documents digitally

STEP 03

Lender Matching

We shortlist lenders most likely to approve your profile.

STEP 04

Sanction & Disbursal

Once approved, funds are disbursed directly to your account.

Trusted Lending Partners

Business Loan FAQs

Do I need collateral for a business loan?
Not for unsecured business loans — approval is based on turnover, banking history, and credit score. Secured options are available for lower interest rates if you can offer collateral.
How much loan amount can I get?
Typically 2x–3x your annual turnover, subject to lender policy and repayment capacity — our team will assess this during the eligibility check.
Can a new business (less than 2 years) apply?
Some lenders in our network consider businesses with 1+ year vintage on a case-by-case basis. Speak to our advisor for options.
What if my CIBIL score is below 650?
We have lenders in our network who evaluate alternate parameters like banking behaviour and GST turnover. We'll guide you to the right fit.
Is there a fee to apply?
No fee to apply or for eligibility checks. Our advisory fee, if applicable, is charged only on successful disbursal — communicated upfront.

Ready to Find the Right Financial Solution?

Connect with a ScaleX advisor today and get a personalized recommendation from our network of 50+ lending partners no obligation, no hidden fees.

Apply Now
Handshake closing a funding agreement

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