Eligibility criteria
- Business vintage 2+ years
- Minimum annual turnover ₹40 lakh
- Profitable for last 1 year
- Clean banking with no bounces
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Business Loan
Collateral-Free Business Loans to Fuel Growth
Scale business operations without risking personal assets. Quick unsecured business and MSME funding for working capital, inventory, or expansion. Rates ranging from 8.00%* to 30.00%* p.a. depending on lender selection (SBI, PNB, HDFC, Axis, or Fintech NBFCs).
- Rates ranging from 8.00%* to 30.00%* p.a.
- No collateral required
- Flexible tenures up to 5 years
- Loan up to ₹1 Crore*
- Top-up facility available
Interest from 8% p.a.
EMI calculator
Plan your repayment
EMI Calculator
Live calculationQuick presets
50k50 L
Starting 9.9%*Up to 24%
1 yr5 yrs
No prepayment20% / year
Monthly EMI
₹ 10,138
for Personal Loan · 5 years @ 8.00%
Principal 82% Interest 18%
Principal₹ 5.00 L
Total interest₹ 1.08 L
Total payable₹ 6.08 L
*Indicative EMI based on the selected rate. Final rate, tenure and EMI are at the lender's discretion and depend on your credit profile.
Interest rates mentioned are indicative and final interest rates, eligibility, and approval terms are subject to lender policies and applicant profile.
Documents required
- KYC of all promoters
- 2–3 years ITR with computation
- 12 months bank statement (all current a/c)
- 12 months GST returns
- Business proof — Udyam / GST / Shop Act
Fees & charges
Processing fee 1.5–3%*. Stamp duty as per state. No prepayment charge after 12 EMIs (most lenders).
Why route through Velixa
- Lowest rates from 40+ banks & NBFCs
- Single-window documentation
- Dedicated relationship manager
- Transparent fee disclosure
- Pre-approval eligibility checks
- Post-disbursal servicing support
Explore more
Other loan products
Personal Loan
Unsecured funds for personal needs — rates starting from 9.9%* p.a. onwards, disbursed in 24–72 hours.
Learn more
Home Loan
Buy, build or renovate your home — rates starting from 8.35%* p.a. onwards.
Learn more
Loan Against Property
Unlock liquidity from residential or commercial property.
Learn more
Overdraft (OD) Facility
Dynamic credit line — pay interest only on utilization.
Learn more