Whether you are planning to expand your business, or you are ready to venture into a new field, at Grahaan Capital, we have a wide range of business loan product solutions of up to ₹1 Core*. One of them could be the one that turns your dreams into reality. Our wide-ranging solutions are arranged in such a way that you can deploy capital for your immediate short-term or working capital requirements which may be for procuring material or equipment, and even high-level office expansion business marketing and hiring of staff.
For over a decade we, Grahaan Capital, have been in the market of providing loans to small businesses that aspire to grow bigger and need the right financial plan to achieve the same. Though customers have different priorities and belong to different sectors like retail, e-commerce, and travel, we aim to offer the best service so that the journey of every customer is smooth before they make it big.
At Grahaan Capital, we offer comprehensive support and guidance throughout the entire process of applying for a Business Loan. From assisting with the application form to facilitating the disbursement, we are with you every step of the way. With the option to apply for a Small Business Loan online, we have streamlined each step of the loan disbursement process to guarantee a seamless and user-friendly experience when obtaining a business loan.
Grahaan Capital offers business loans ranging from Rs. 1 Lakh to Rs.1 Crore for small, medium and large businesses
Grahaan Capital gives you more flexible repayment tenure ranging up to 60 months for your Business Loan.
You can apply online for our offering in just a few easy steps through the user-friendly online journey!
Our Business Loan approval process is very simple and requires only a few basic documents.
With Grahaan Capital's competitive and low-interest Business Loan, you need not worry about paying high EMIs.
At Grahaan Capital you need not provide any collateral, guarantor or security against the funds you borrow.
There's nothing hidden, and all loan conditions are clearly presented. We don't impose any additional charges.
Grahaan Capital also takes care of your convenience. Enjoy our doorstep services by availing our business loan.
Get immediate approval for a business loan up to Rs. 1 Core. You can apply for our business loan online, as long as you meet some basic criteria mentioned below. Meet the simple requirements for business loan eligibility and complete the necessary documentation to receive the funds you require in as little as 24 hours* after approval.
* Charitable organizations, NGOs, and trusts are not eligible for a business loan.
Note: The above-mentioned eligibility criteria are for indicative purposes only. Actual eligibility criteria defined by Banks/NBFCs shall vary as per their sole discretion and shall be defined at the time of loan application submission.
Documents required for business loans to establish your business identity, income, loan repayment capacity, and place of business. Here are the few common set of documents that you will need to submit when applying for a business loan:
Although business loan rates and charges might differ significantly based on the credit history of the loan applicant and the business itself, the following table will provide you with a general indication of what to expect:
| Particulars | Charges |
| Business Loan Interest Rates | 9.75% p.a onwards |
| Loan Amount | ₹1 Lakh to ₹1 Core |
| Loan Processing Fees | Minimum 2% plus applicable taxes |
| Lowest EMI per month | Starting from ₹2,112* per Lakh for 60 months |
| Loan Tenure | 12 - 60 months |
| Prepayment/Foreclosure Charges | 0%* If paid from own sources & 4% If paid from other sources |
| Default Interest | Minimum 3% per month |
| Repayment Instrument Dishonor Charges | Upto Rs. 2500/ + GST (if applicable) per bounce |
| Stamp Duty | At actuals (as per state) |
| * No Other Hidden Charges | |
Applying for a Business Loan with Grahaan Capital is easy. You can apply online and involves only a few steps, which are mentioned below:
The eligibility criteria for a Business Loan from Grahaan Capital are quite simple. Applications are broadly assessed according to the following criteria:
Business Loan from Grahaan Capital offers you several advantages, such as:
Loan restructuring involves the process of revising a loan contract by giving a specific section of the borrowers some temporary economic chances where they can relief from the financial troubles. It may be conducted when the loan borrower has difficulties with the liquidation of the credit.
A repayment plan rebuild can embody changing a repayment schedule, or interest rate, or even it may get changed into principal principal. The purpose is to get you comfortable in such a way that you can plan for the repayment effectively and avoid going into default.
Generally, a Business Loan does not help the business credit of an individual get better. The creditworthiness of a business is assessed individually by the lenders as they focus on business information, credit history, and all relevant factors.
On the contrary, several lenders refer to the personal credit of business owners, especially as regards small businesses or new business entities with little credit history, to decide whether a Business Loan should be offered or not.