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Working capital that keeps your business moving
Stock up for the season, buy machinery or bridge a cash-flow gap. Unsecured business loans up to ₹1 crore for traders, MSMEs and professionals.
Why take your business loan through Credsey
Unsecured business loans and working capital for MSMEs, traders and self-employed professionals. Compare lenders, check eligibility and apply online with Credsey.
- Collateral-free up to ₹75 lakh
- Term loans, overdraft and credit lines
- Government schemes: MUDRA, CGTMSE, PMEGP
- Quick decisions on GST and banking data
Business Loan EMI calculator
Move the sliders to see your monthly EMI, the total interest and the full amount you'll repay. Then apply with the same numbers in one click.
- EMI = P × r × (1+r)n / ((1+r)n − 1)
- P is the loan amount, r the monthly rate, n the number of months
- Pay more upfront or choose a shorter tenure to cut total interest
Calculate your EMI
Full scheduleYour monthly EMI
₹0
- Principal
- –
- Interest
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- Total payable
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Indicative figures. Final rate depends on the lender and your profile.
Eligibility
- Business vintage of 2 years or more
- Annual turnover of ₹20 lakh or more
- ITR filed for the last 2 years
- Owner aged between 24 and 65 years
Criteria vary by lender. An advisor will confirm what applies to you.
Documents required
- PAN, Aadhaar and business PAN
- GST registration and returns
- 12 months' current account statement
- Last 2 years' ITR with computation
Can a new business get a loan?
Most lenders need at least 2 years of vintage. Newer businesses can explore MUDRA loans or secured options — our advisors can guide you.
Is collateral required?
Unsecured business loans are available up to ₹75 lakh with many lenders. Larger amounts may need property or other security.
What can I use the loan for?
Working capital, inventory, machinery, expansion, renovation or any legitimate business purpose.