Unsecured Business Loan

Unsecured Business Loan Inquiry

Get the funds you need quickly based on your business's financial credentials. Fill in the details below to check your eligibility.

Business/Company Name *

Type of Business *

Mobile Number *

Business Email ID *

Required Loan Amount (₹ in Lacs) *

Years in Current Business *

I authorize DCT Multiservices LLP to contact me regarding my Unsecured Business Loan request.

Key Features of Unsecured Business Loans

This collateral-free option is the preferred choice for businesses looking for speed and convenience.

No Security Required

The loan is sanctioned based on your balance sheet strength and business performance, eliminating the need to pledge assets like property or machinery.

High Loan Amounts

Loan amounts typically start from a minimum of ₹7 Lakhs and can go up to ₹50 Lakhs or more, subject to your financial credentials and eligibility.

Flexible Repayment Tenure

Opt for a tenure ranging from 12 months (1 year) up to 60 months (5 years), allowing you to align repayment capacity with your business cash flows.

Hassle-Free & Quick Disbursal

Minimal and straightforward documentation process ensures fast processing and quick disbursal to address immediate financial needs.

Eligibility Criteria and Customer Segment

Unsecured Business Loans are primarily targeted at established SMEs, professionals, and various trade entities with a solid track record.

Primary Eligibility

Age: Applicant must be at least 25 years of age.
Business Vintage: Minimum 3 years in the same line of business.
Financials: Two years of audited financials showing consistent profit and healthy cash flow.
Credit Score: A strong and satisfactory track record with existing bankers and a good credit score (CIBIL).

Eligible Business Entities

Sole Proprietorships.
Partnership Firms and LLPs.
Private Limited Companies.
Self-Employed Professionals (CAs, Doctors, Architects, etc.).

Note: Unsecured Business Loans are typically not offered to start-up firms due to the minimum business vintage requirement.

Documentation Required for Unsecured Business Loans

To ensure quick processing, please prepare the following documents, categorized for Individuals/Partners/Directors and the Company/Business itself.

Company/Business Documents

Business Continuity Proof (3 years ITR & Income Statements).
Last 2 years Audit Report & Audited Financials.
Last 12 months Bank Statements.
Business Incorporation Proof (PAN Card, MOA, AOA, Partnership Deed, Certificate of Incorporation).
Latest Share Holding Pattern and List of Current Directors (on company letterhead).
Loan Statements/Sanction Letters of any existing business loans.

Individual/Director/Partner Documents

Photo ID Proof (PAN Card, Passport, Driving License, Voter's ID).
Address Proof (Passport, Utility Bill, LIC Premium Receipt).
Last 3 Years Personal Income Tax Returns.
Photograph with Signature.
Residence/Office Ownership Proof (Electricity Bill, Sales Deed copy).

Frequently Asked Questions (FAQs)

The minimum loan amount generally starts at ₹7 Lakhs. The maximum can go up to ₹50 Lakhs, though this is highly dependent on your business turnover, profit margins, and overall financial eligibility.

Prepayment (foreclosure) is usually allowed, but only after a minimum lock-in period, often nine months, from the date of disbursal. Most banks and NBFCs do not allow part payment for Unsecured Business Loans. Prepayment charges may apply.

The amount and rate of interest are determined by a combination of factors: the type of business, annual turnover, profit margin, cash flow stability, CIBIL score, and the financial institution's internal risk assessment policies.

Yes, the loan is typically repaid via Equated Monthly Installments (EMIs). These EMIs can be deducted through electronic methods like ECS (Electronic Clearing Service) or PDCs (Post Dated Cheques).

Unsecured Business
Loan

Make Your Business Dream Happen with Unsecured Business Loans