State Bank of India
SBI Business Loan
Rate from11.15%
Max amount₹5 Cr
EMI/L · 4y₹2,592
Disbursal7-15 business days
- Mudra loans available
- Collateral-free up to ₹2Cr
CIBIL: 700+ · Self-employed · Professional
Business Loan
NeoGrowth Business Loan
NeoGrowth
NBFC · Since 2013
NeoGrowth Business Loan — revenue-based EMI and POS/payment-data underwriting aimed at retailers.
Interest rate15.00%– 26.00%
Up to₹2 Crmax amount
Disbursal72 hours
Min CIBIL650+
Calculate your EMI
Move the sliders to see monthly EMI, total interest, and total cost of this loan.
₹10,00,000
3 years
15.00%
Your actual rate depends on your credit profile, income, and employer category.
Monthly EMI
Total interest
Total payment
Processing fee (3%)
Total cost of this loan
✨ interest + processing fee
Key features
- Revenue-based EMI
- POS/payment data underwriting
- Quick approval for retailers
Who is this loan best for?
Retail merchants with consistent card-swipe and UPI transaction history — alternative credit signal.
Rate and prepayment
This is a floating-rate loan. No prepayment penalty — you can foreclose or pre-pay any amount at any time, free of charge (RBI mandate for floating-rate individual loans).
Compare with other business loans
HDFC Bank
HDFC Bank Business Loan
Rate from11.50%
Max amount₹50 L
EMI/L · 4y₹2,609
Disbursal5-10 business days
- Collateral-free
- Digital-first application
CIBIL: 700+ · Self-employed · Professional
Lendingkart
Lendingkart Business Loan
Rate from12.00%
Max amount₹2 Cr
EMI/L · 4y₹2,633
Disbursal72 hours
- Online-first process
- Disbursal in 72 hours
CIBIL: 650+ · Self-employed · Professional
Tata Capital
Tata Capital Business Loan
Rate from14.00%
Max amount₹75 L
EMI/L · 4y₹2,733
Disbursal3-5 business days
- Tata Group servicing
- Working-capital and term-loan options
CIBIL: 700+ · Self-employed · Professional