Unsecured and secured term loans for business expansion, new inventory, marketing, or any business purpose. Minimal documentation, rapid processing.
Business loans come in many forms. An unsecured loan relies purely on your business's cash flows and creditworthiness. A secured loan uses property, machinery, or other assets as collateral — this usually means a larger loan amount and lower interest rate.
We analyse your specific situation and recommend the right product — sometimes a combination of both works best to minimise cost while maximising the loan amount available to you.
No collateral needed. Based on GST, bank statements, and ITR. Up to ₹2Cr for strong profiles.
Loan against residential or commercial property. Higher amounts, lower rates, longer tenors.
Against existing machinery, equipment, or vehicles. Good for manufacturing and logistics businesses.
Already have a business loan? We help you get a top-up or refinance at better terms.
| Loan Type | Amount Range | Interest Rate | Tenor |
|---|---|---|---|
| Unsecured Business Loan | ₹5L – ₹75L | 14% – 24% p.a. | 12–48 months |
| Unsecured (Strong Profile) | ₹75L – ₹2Cr | 11% – 16% p.a. | 12–60 months |
| Loan Against Property | ₹25L – ₹5Cr | 9.5% – 13% p.a. | Up to 15 years |
| CGTMSE-Backed Loan | ₹5L – ₹5Cr | 10% – 14% p.a. | Up to 7 years |
*Rates are indicative and depend on lender, profile, and market conditions. We negotiate to get you the best available rate.
For unsecured loans from NBFCs and fintech lenders, decisions can come in 24–72 hours and disbursement in 5–7 working days for eligible profiles. Bank loans take longer — typically 2–4 weeks including property verification for secured loans. We target the fastest appropriate lender for your need.
Yes. Many lenders — especially NBFCs and fintechs — rely primarily on bank statement analysis and GST turnover rather than ITR. If your bank account shows healthy inflows and you have consistent GST filings, you can qualify even with modest ITR figures. We know exactly which lenders accept this profile.
For strong profiles (good CIBIL, healthy turnover, clean repayment history), unsecured business loans up to ₹1–2Cr are available from certain NBFCs. For most businesses, the practical unsecured limit is ₹25–75L. Above that, lenders typically want some form of collateral or co-applicant guarantee.
Absolutely. Bank rejection doesn't mean you can't get a loan — it means that specific bank's criteria wasn't met at that time. NBFCs, co-operative banks, and fintech lenders have different (often more flexible) underwriting criteria. We've helped many clients who were rejected by their primary bank get funded within a week through an alternative lender.
Lender processing fees typically range from 0.5%–2% of the loan amount, charged directly by the lender. Navnirman charges zero upfront fee — our advisory fee is charged only after successful disbursement, so you have zero financial risk in applying.