Unsecured Business Loans — What You Need to Know
Unsecured business loans provide funding without requiring you to pledge any property or assets. These are ideal for businesses with strong cash flows and good credit profiles who don't want to or can't offer collateral.
At Indi Fin Serv, we match your profile with the right lender — be it a bank, NBFC, or fintech — to get you the best rate and maximum funding without collateral.
Who Is This Best For?
- Traders and distributors with high turnover
- Service businesses with stable monthly revenue
- Manufacturers without free property to pledge
- Professionals (doctors, CAs, engineers) needing practice capital
- Businesses with strong CIBIL and GST track record
- Businesses needing quick funds (5–10 day disbursement)
⏱ Maximum Turnaround Time
5 – 10 Working DaysFor NBFC / fintech; 10–15 days for bank productsDocuments Required
The following documents are typically required. Our team will prepare a personalised checklist for your specific case.
KYC — Aadhaar + PAN of Proprietor / All Directors
Business Registration / Udyam / GST Certificate
Last 3 Years ITR with Computation & Balance Sheet
Last 12 Months Bank Statements (all business accounts)
Last 12 Months GST Returns
Office / Business premises proof (rent or own)
CIBIL report (we pull with consent)
Existing loan details / sanction letters
Last 6 Months Salary Slips / Director Remuneration proof
Eligibility Criteria
- Business vintage: minimum 2 years in operation
- Annual turnover: minimum ₹25 Lakhs
- CIBIL score: 700+ (we advise on score improvement too)
- No existing NPA or loan write-off
- GST-compliant business with regular filings
- Profitable business with positive net worth
Why Choose Indi Fin Serv?
- Access to 25+ lenders — banks, NBFCs, and fintech platforms
- We know which lenders approve unsecured loans for your industry
- Quick turnaround: in genuine cases, funds disbursed within 5 days
- No upfront processing fee — you pay only at disbursement
- We negotiate processing fees, prepayment charges, and rate
- End-to-end support from application to disbursement