Business Loan
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₹500+ Cr
Loans Disbursed
50+
Banking Partners
500+
Happy Families
25+ Years
of Excellence
Business Funding Matched to Your Ambition.
For professional practices and established businesses, Aadhya Financial Consultancy helps identify and facilitate business funding solutions aligned with your profile and requirements. We work with a strong network of banks and NBFCs to structure business loans tailored to your needs while ensuring smooth execution from consultation to final disbursement. Business funding solutions designed to support diverse business requirements.
Business Loan Eligibility
Business loan eligibility is assessed based on the promoter’s and/or business credit profile, financial stability, and funding requirement. We work with qualified professionals, SMEs, private limited companies, LLPs, partnerships, and proprietorships with an established business track record and stable financial standing, helping them access suitable funding solutions based on their profile.
Age
- Applicants must be between 21–65 years at loan maturity.
- Salaried: 21–58 years
- Self-Employed: 25–65 years
Income
- Salaried Person – Minimum Rs. 10,000 per month
- Self-Employed Person—Minimum Rs. 2,00,000 per year
Employment
- Salaried: 2–3 years experience
- Self-Employed: 3+ years experience
Business Loan Types
Loan for Professionals
Dedicated funding solutions for Doctors, Chartered Accountants, Architects, and other qualified professionals. Lenders in our network recognise professional income stability and standing, enabling access to tailored funding options designed around their financial profile.
Loan for SMEs
Funding solutions for small and medium enterprises requiring capital for growth, operations, or expansion. We evaluate business financials across our network of lenders and identify the most suitable funding options aligned with the SME’s profile and requirements.
Loan for Business Entities
Structured funding solutions for private limited companies, LLPs, and partnerships. Based on business financial strength and funding purpose, we help determine the most suitable structure and lender for optimal financial alignment.
| A | Sr.No. | Mandatory Documents | ||
|---|---|---|---|---|
| 1 | PAN Card or Form 60 (If the customer does not have a PAN Card) | |||
| B | Sr.No. | Description of Officially Valid Documents (OVD) | Identity Proof | Address Proof |
| 1 | Passport, the validity of which has not expired. | ✔ | ✔ | |
| 2 | Driving license which has not expired. | ✔ | ✔ | |
| 3 | Election /Voters identification card | ✔ | ||
| 4 | Job card issued by NREGA | ✔ | ||
| 5 | Letter issued by the National Population Register | |||
| 6 | Proof of possession of Aadhaar Number | ✔ | ✔ |
| Document | Salaried | Self Employed Professional | Self Employed Non Professional |
|---|---|---|---|
| Last 3 months’ Salary Slips | |||
| Last 6 months’ Bank Statements, showing salary credits | |||
| Latest Form-16 and IT returns | |||
| Income Tax Returns along with computation of income for at least the last 2 Assessment Years (of both the individual and the business entity and attested by a CA) | |||
| At least last 2 years’ Balance Sheet and Profit & Loss A/c Statements, with Annexures / Schedules (of both the individual and the business entity and attested by a CA) | |||
| Last 12 months’ Current A/c Statements of the business entity and Savings Account Statements of the individual |
For Purchase of a New Home
| Document | Salaried | Self Employed Professional | Self Employed Non Professional |
|---|---|---|---|
| Copy of the Allotment Letter / Buyer Agreement | |||
| Receipt/(s) of payment/(s) made to the developer |
| Document | Salaried | Self Employed Professional | Self Employed Non Professional |
|---|---|---|---|
| Own Contribution Proof | |||
| Employment Contract / Appointment Letter in case current employment is less than year old | |||
| Last 6 months’ Bank Statements showing repayment of any ongoing loans | |||
| Passport size photograph of all the applicants / co-applicants to be affixed on the Application form and signed across. | |||
| Cheque for processing fee favouring HDFC Bank | |||
| Business Profile | |||
| Latest Form 26 AS | |||
| List of Directors and Shareholders with their individual shareholding certified by a CA / CS in case of the business entity being a company | |||
| Memorandum and Articles of Association of the Company | |||
| Partnership deed in case of the business entity being a partnership firm | |||
| Details of ongoing loans of the individual and the business entity including the outstanding amount, instalments, security, purpose, balance loan term, etc. | ✔ | ✔ |
Documents for Business Loan Application
Business loan applicants typically require ITR for the past 2–3 years, audited financial statements, GST returns, bank statements, business registration documents, and KYC of promoters or directors. Aadhya Financial Consultancy provides complete documentation guidance and ensures the application is well-prepared, structured, and aligned with the selected lender’s requirements.
Business Loan Calculator
Use our Business Loan Calculator to estimate your monthly repayment obligation. Enter your funding requirement, indicative interest rate, and preferred tenure to understand your EMI and evaluate the cost of capital before initiating the application process.
The Right Business Funding Starts With the Right Assessment.
Share your business profile and funding requirements with Aadhya Financial Consultancy. We will assess your profile, identify suitable funding solutions from our network of banks and NBFCs, and provide a clear, transparent understanding of the most appropriate options available.
