Your business deserves to grow.

Make it happen with a Business Loan

Choose HFS Business Loan

Choose HFS Business Loan

Quick & Easy Process
The entire application process involves just 3 simple steps — Apply online or call us at your doorstep to know your loan eligibility, Submit your details and get the funds in your account once you’re approved!
Flexible Repayment Tenures
You get a long repayment tenure of 5 years for unsecured or collateral-free loans. The tenure for secured loans can last - for up to 10 years
No Collateral Needed
You don't need to put down any form of security against your loan. We’re happy to give you the funds you need as long as your business fulfils our basic criteria.
Minimal Paperwork
We require just a few basic documents from you. Our paperwork process is made simple so that you can receive fund in a hassle-free manner.

It takes just 3 simple steps

Call us at your doorstep

Instant loan decisioning

Get funds in your account

How does it work?

Smart
Smart Business Loan
No security needed
You don’t need to mortgage any of your assets. As long as you’re eligible, you can avail unsecured loans easily.
Easy credit up to ₹25 Lakhs
Give your business the timely funding it needs to grow. Unsecured loans will give you easy credit up to ₹25 Lakh.
Repay your loan in 5 years
Our flexible tenure ranges from 1 – 5 years. Focus on your business goals while we take care of your funds.
Low interest rates
We offer loans at affordable interest rates which will vary depending on your loan amount and repayment tenure.
Doorstep service
Apply for a loan online and our executives will be happy to visit you for in-person assistance.
Secured
Secured Business Loan
Loan up to 70% of your property
In case of secured loans, you’re eligible to get up to 70% of the market value of your property.
Larger credit worth up to ₹2 Crores
As long as you have the necessary collateral, we can offer you a larger loan amount up to ₹2 Crores.
Repay as per your needs
Secured loans offer you even more flexibility in terms of repayment, thus reducing your heavy EMI burden.
Low interest rates
Our secured business loans have a reasonable rate of interest which varies as per the total amount and tenure.
Balance transfer facility
Avail the option of transferring your loan at any point during your tenure to relieve yourself of high-cost EMIs.

Meet various business needs

Upgrade your office premises
Open new branches for expansion
Pay off debt
Purchase of new machinery & equipment’s

Get started with minimal paperwork

Self-Employed Individuals include Sole Proprietors and Partners/Directors in firms that are in the Manufacturing, Trading or Service sectors

Documents you need to submit:

Identity Proof:

Passport / Voters ID / Driving License / PAN Card / Aadhar Card

Address Proof:

Driving License / Voter ID / Utility Bill (Last 2 months) / Registered Rental Agreement / Passport

Financial Statements:

Last 6 months' bank statements / Last 6 months’ bank passbook, Latest ITR along with computation of income, Last 2 years’ B/S & P&L a/c certified by a CA

Business Continuity Proof:

Shops and Establishment License / GST Registration Certificate / VAT Returns / Sales Tax Returns

Incorporation Documents:

Certified copy of Partnership Deed, Certified copy of MOA / AOA

Documents for Secured Business Loans:

Copy of all property documents

Eligibility Criteria :

You must meet our basic eligibility criteria to apply for a Business Loan:

Documents required

Minimum age: 21 years
Minimum years in business: 3 years
Minimum annual income: ₹2,00,000
Private Limited Cos and Partnership Firms are those in the Manufacturing, Trading or Services sectors

Documents you need to submit:

Identity cum Business Continuity Proof:

PAN Card / S&E License / Tax Returns / Utility Bill

Address Proof:

Last 2 months’ Utility Bill / Registered Rental Agreement

Financial Statements:

Last 6 months' bank statements / Last 6 months’ bank passbook, Latest ITR along with computation of income, Last 2 years’ B/S & P&L a/c certified by a CA

Incorporation Documents:

Certified copy of Partnership Deed, Certified true copy of Memorandum & Articles of Association

Documents for Secured Business Loans:

Copy of all property documents

Eligibility Criteria :

Your company or partnership must meet our basic eligibility criteria to apply for a Business Loan:

Documents required

Minimum years in business: 3 years
Minimum annual income: ₹2,00,000
Business should be in profit for the last 2 years
Self-Employed Professionals include Doctors, Chartered Accountants & Architects.

Documents you need to submit:

Identity Proof:

Passport / Voters ID / Driving License / PAN Card / Aadhar Card

Address Proof:

Driving License / Voter ID / Utility Bill (Last 2 months) / Registered Rental Agreement / Passport

Financial Statements:

Last 12 months' bank statements / Last 12 months’ bank passbook, Latest ITR along with computation of income, Last 2 years’ B/S & P&L a/c certified by a CA

Documents for Secured Business Loans:

Copy of all property documents

Eligibility Criteria :

You must meet our basic eligibility criteria to apply for a Business Loan:

Documents required

Minimum age: 21 years
Minimum years in business: 3 years
Minimum annual income: ₹2,00,000
Self Employed (Individuals)
Self-Employed Individuals include Sole Proprietors and Partners/Directors in firms that are in the Manufacturing, Trading or Service sectors

Documents you need to submit:

Identity Proof:

Passport / Voters ID / Driving License / PAN Card / Aadhar Card

Address Proof:

Driving License / Voter ID / Utility Bill (Last 2 months) / Registered Rental Agreement / Passport

Financial Statements:

Last 6 months' bank statements / Last 6 months’ bank passbook, Latest ITR along with computation of income, Last 2 years’ B/S & P&L a/c certified by a CA

Business Continuity Proof:

Shops and Establishment License / GST Registration Certificate / VAT Returns / Sales Tax Returns

Incorporation Documents:

Certified copy of Partnership Deed, Certified copy of MOA / AOA

Documents for Secured Business Loans:

Copy of all property documents

Eligibility Criteria :

You must meet our basic eligibility criteria to apply for a Business Loan:

Documents required

Minimum age: 21 years
Minimum years in business: 3 years
Minimum annual income: ₹2,00,000
Private Limited Cos and Partnership Firms
Private Limited Cos and Partnership Firms are those in the Manufacturing, Trading or Services sectors

Documents you need to submit:

Identity cum Business Continuity Proof:

PAN Card / S&E License / Tax Returns / Utility Bill

Address Proof:

Last 2 months’ Utility Bill / Registered Rental Agreement

Financial Statements:

Last 6 months' bank statements / Last 6 months’ bank passbook, Latest ITR along with computation of income, Last 2 years’ B/S & P&L a/c certified by a CA

Incorporation Documents:

Certified copy of Partnership Deed, Certified true copy of Memorandum & Articles of Association

Documents for Secured Business Loans:

Copy of all property documents

Eligibility Criteria :

Your company or partnership must meet our basic eligibility criteria to apply for a Business Loan:

Documents required

Minimum years in business: 3 years
Minimum annual income: ₹2,00,000
Business should be in profit for the last 2 years
Self-employed (Professionals)
Self-Employed Professionals include Doctors, Chartered Accountants & Architects.

Documents you need to submit:

Identity Proof:

Passport / Voters ID / Driving License / PAN Card / Aadhar Card

Address Proof:

Driving License / Voter ID / Utility Bill (Last 2 months) / Registered Rental Agreement / Passport

Financial Statements:

Last 12 months' bank statements / Last 12 months’ bank passbook, Latest ITR along with computation of income, Last 2 years’ B/S & P&L a/c certified by a CA

Documents for Secured Business Loans:

Copy of all property documents

Eligibility Criteria :

You must meet our basic eligibility criteria to apply for a Business Loan:

Documents required

Minimum age: 21 years
Minimum years in business: 3 years
Minimum annual income: ₹2,00,000

Frequently asked questions

A business loan provides you with timely funds to sustain or grow your business. With HFS Business Loan, you can get the funds you need to scale your business activities which includes growing your team, upgrading your office, buying new machinery, or even paying off debt.

Simply click here to apply for an HFS loan. After you fill in your details, one of our executives will contact you for a home visit and answer any questions you may have. If you meet our eligibility criteria, you will receive the funds in your account within 24 hours of loan approval*.

We understand that small businesses may not be in a position to mortgage their property against a loan. That’s why we offer Smart Business Loans which do not require a guarantor or any form of security. As long as you are eligible, we will provide you with credit up to ₹25 Lakhs.

In the case of unsecured loans, we offer a flexible repayment tenure ranging from 1 – 5 years.

An HFS Business Loan is versatile in nature, so you can use it for any expenses involved in sustaining or growing your business like hiring more employees, repairing machinery, buying more equipment, and upgrading your premises.

Shield your families from loan worries with HDFC life group credit protect insurance plans.

Shield your families from loan worries with HDFC life group credit protect insurance plans.

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