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. | Identity & Address KYC | Requirement |
|---|---|---|---|
| 1 | PAN Card | Mandatory | |
| 2 | Aadhaar Card | Mandatory | |
| 3 | Passport-size photographs | Mandatory | |
| 4 | Residence address proof (Utility Bill / Rent Agreement) | Mandatory | |
| 5 | Additional Photo ID (Passport / Voter ID / Driving Licence) | If Applicable | |
| B | Sr. No. | Constitution & Business Existence | Requirement |
| 1 | Business address proof | Mandatory | |
| 2 | Shop & Establishment / Gumasta / Trade Licence | Mandatory | |
| 3 | GST Registration Certificate (GSTIN) | If Applicable | |
| 4 | Udyam / MSME Registration | If Applicable |
| A | Sr. No. | Income & Financial Documents | Requirement |
|---|---|---|---|
| 1 | ITR + Computation – Last 3 Years | Mandatory | |
| 2 | Audited Financials (Balance Sheet, Profit & Loss, Schedules) – Last 3 Years | If Applicable | |
| 3 | Tax Audit Report (Form 3CA/3CB-3CD) – Last 3 Years | If Applicable | |
| 4 | Provisional / Current-Year Financials (Signed) | If Applicable | |
| 5 | 26AS / AIS – Last 2–3 Years | Mandatory | |
| 6 | GST Returns (GSTR-3B) – Last 12 Months | If Applicable | |
| B | Sr. No. | Banking | Requirement |
| 1 | Individual Savings Account Statement – Last 6–12 Months | Mandatory | |
| 2 | Business Current / CC / OD Account Statement – Last 12 Months | Mandatory |
| A | Sr. No. | Property / Collateral | Requirement |
|---|---|---|---|
| 1 | Sale Agreement / Sale Deed / Chain of Title | If Applicable | |
| 2 | Registered Title Chain + Title / Search Certificate | If Applicable | |
| 3 | Approved / Sanctioned Building Plan | If Applicable | |
| 4 | Occupancy / Completion Certificate (OC/CC) | If Applicable | |
| 5 | Latest Property Tax Receipt / Bill | If Applicable | |
| 6 | Society Registration + Share Certificate / NOC | If Applicable | |
| 7 | Valuation Report (Bank-Empanelled Valuer) | If Applicable | |
| 8 | Encumbrance Certificate / Search Report | If Applicable | |
| B | Sr. No. | Existing Obligations | Requirement |
| 1 | Sanction Letters of All Running Loans | If Applicable | |
| 2 | Loan Statements + EMI Track – Last 12 Months | If Applicable | |
| 3 | Foreclosure / LOD Letter (Balance Transfer / Takeover) | If Applicable | |
| C | Sr. No. | Application & Fees | Requirement |
| 1 | Duly Filled & Signed Loan Application Form | Mandatory | |
| 2 | Processing / Login Fee Payment Proof | Mandatory | |
| 3 | PDCs / NACH-ECS Mandate | Mandatory |
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.
