UNSECUREDBUSINESS LOAN
An Unsecured Business Loan gives you access to capital without pledging any property or asset.
It is approved based on your business performance, cash flow, and credit profile — making it the
fastest route to funding for growing businesses. Whether you need to manage working capital, buy
inventory, hire staff, or expand operations, Gayatri Finserv connects you with the right lender
at the best rate — with zero hassle and doorstep service.
Features & Benefits
- No collateral or security required
- Loan amount: ₹1 Lakh to ₹2 Crores
- Tenure: 12 to 60 months
- Approval in 48–72 working hours
- Minimal documentation — ITR + bank statements
- Flexible repayment via EMI
- No end-use restriction — use funds for any business need
- Available for proprietors, partnerships & Pvt Ltd companies
- Part-prepayment and foreclosure options available
- Doorstep service across Ahmedabad
Who Can Apply?
🏪
Sole Proprietors
Traders, retailers, and individual business owners with 2+ years of business vintage.
🤝
Partnership Firms
Registered partnership businesses with healthy bank transactions and filed ITRs.
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Private Limited Companies
Pvt Ltd companies with 2+ years of operations and good financial track record.
👨💼
Self-Employed Professionals
CAs, architects, consultants, and other professionals with regular income proof.
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Manufacturers & MSMEs
Small and medium manufacturers needing working capital or business expansion funds.
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Traders & Distributors
Wholesale and distribution businesses needing quick capital for inventory or orders.
Documents Required
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PAN Card & Aadhaar Card (All Directors/Partners)
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Business Proof — GST Certificate / Shop Act / MOA-AOA
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Last 2 Years ITR with P&L & Balance Sheet
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Bank Statement — Last 12 Months (Current Account)
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GST Returns — Last 12 Months (if applicable)
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Office / Residence Address Proof
Frequently Asked Questions
What is an unsecured business loan?+
An unsecured business loan is a loan given based purely on your business financials and creditworthiness — no property or asset needs to be pledged as collateral. Approval is faster but interest rates may be slightly higher than secured loans.
How much can I borrow without collateral?+
Most lenders offer unsecured business loans from ₹1 Lakh up to ₹2 Crores. The actual amount depends on your annual turnover, business vintage, existing obligations, and CIBIL score. Businesses with strong bank transactions can often qualify for higher amounts.
What CIBIL score is required?+
Most banks prefer a CIBIL score of 700 or above for unsecured loans. However, several NBFCs work with scores in the 650–700 range, especially if the business has strong cash flows. We'll match you to the right lender based on your profile.
How quickly can I get the funds?+
Once all documents are submitted, most unsecured business loans are approved and disbursed within 48–72 working hours. Some fintech NBFCs in our network can disburse within 24 hours for pre-qualified businesses.
Can a new business (less than 2 years old) apply?+
Traditional banks typically require 2–3 years of business vintage. However, select NBFCs and fintech lenders in our network offer unsecured loans for businesses with 1–2 years of operation if GST filings and bank transactions are healthy. Contact us to explore your options.
Can I use the loan for any business purpose?+
Yes. Unsecured business loans have no end-use restriction. You can use funds for working capital, inventory purchase, equipment, staff hiring, marketing, office renovation, or any legitimate business need. However, speculative activities and personal use are not permitted.
Is there a processing fee?+
Yes, lenders typically charge a one-time processing fee of 1–3% of the loan amount at the time of disbursement. The exact fee depends on the lender and your loan profile. We ensure full transparency — no hidden charges.
What happens if I miss an EMI?+
Missing an EMI attracts a penal interest (typically 2–3% per month on overdue amount) and negatively impacts your CIBIL score, making future borrowing more difficult. If you foresee cash flow issues, contact us early — many lenders offer restructuring options before a default occurs.