Finance That Supports Your Business Growth
Explore working capital and business financing options with structured guidance from requirement to lender coordination.
Understanding Business Loan
What is a business loan?
A business loan provides funds for business purposes. It may be unsecured or secured against assets, depending on the amount and lender.
What can it be used for?
Working capital, expansion, equipment, inventory, renovation of premises and other business needs — subject to lender policy.
Who may consider it?
Proprietors, partnerships, private limited companies, MSMEs and self-employed professionals with an operating business.
Typical loan structure
Term loans repaid through EMIs, or credit lines for working capital, depending on the requirement and lender.
Key Features & Use Cases
Availability of each option is subject to lender policy.
Working capital
Manage day-to-day cash flow, receivables and operating expenses.
Business expansion
New branches, capacity or market expansion.
Machinery & equipment
Purchase or upgrade of equipment.
Inventory
Stock purchases for seasonal or growing demand.
Premises
Renovation or setting up of business premises.
Professionals
Options for doctors, CAs and other self-employed professionals.
Typical Eligibility
Factors usually considered:
- Business vintage and continuity
- Turnover and profitability
- Banking conduct and cash flows
- Credit history of business and promoters
- Existing borrowings
- Industry and nature of business
- Collateral, where applicable
Eligibility criteria may vary depending on the lender, applicant profile, income, credit history, property and other applicable factors.
Documents Typically Required
Applicant & promoter KYC
- KYC of proprietor / partners / directors
- PAN of business and promoters
- Photographs
Business documents
- Registration / GST / licences
- Partnership deed or MOA & AOA, where applicable
- Business address proof
Financial documents
- ITRs with computation
- Audited financials
- Business bank statements
- GST returns, where applicable
Additional documents may be requested by the respective lender based on the applicant and transaction.
How the Process Works
- 01
Share Your Requirement
Tell us what you need through the form, WhatsApp or a call.
- 02
Profile & Document Review
We understand your profile and review the documents.
- 03
Explore Suitable Options
We help you compare options from our lending network.
- 04
Application & Lender Coordination
We assist with the application and coordinate with the lender.
- 05
Approval / Disbursement
As per the lender's process and assessment.
Guidance You Can Rely On
Personalised Guidance
Advice shaped around your situation.
Multiple Financial Solutions
Loans and insurance under one roof.
Transparent Communication
Clear updates, no hidden surprises.
End-to-End Assistance
Support from enquiry to completion.
Lender Coordination
We follow up so you don't have to.
Business Loan — Frequently Asked Questions
Do I need collateral for a business loan?
Not always. Some loans are unsecured, while larger amounts may require security, depending on the lender.
How long should my business be operating?
Lenders usually prefer an established track record; the requirement varies.
Can a new business apply?
Options can be limited for new businesses, but some lenders and schemes may consider them.
What do lenders look at?
Turnover, profitability, banking behaviour, credit history and existing obligations.
Can I get working capital as a credit line?
Yes, overdraft or cash credit facilities may be available depending on your profile.
How can Arthmitra help?
We help you organise documents, explore suitable options and coordinate with lenders through the process.
Looking for the Right Business Loan Solution?
Share your requirement and let our team help you explore suitable options.
Arthmitra Financial Services facilitates financial assistance and acts as an intermediary/channel partner where applicable. Approval, eligibility, interest rates, premiums, terms, documentation and other conditions are subject to the respective financial institution or insurer’s policies.