Business loans that help you
A Business Installment Loan (BIL) helps your business take giant strides — working capital, expansion, or that once-in-a-lifetime opportunity — from ₹5 lakh to ₹35 lakh, without any collateral.
- No security
- Ex-banker credit team
- Multi-lender comparison
Business Installment Loan, explained simply
A Business Installment Loan is an unsecured term loan for businesses, repaid in fixed EMIs. It is given on the basis of company turnover, profits and existing repayment track — no property mortgage required.
Bhavya has arranged business loans in Delhi since 2004. Check your fit against lender criteria in 30 seconds below; if BIL is not the right fit yet, we'll show you the secured route that is.
- ₹5 lakh to ₹35 lakh without collateral
- For working capital, expansion, machinery, furniture and office equipment
- Fixed EMIs, quick sanction
- Proprietorships, partnerships and private limited companies
- Top-up after a good repayment track
- Multiple lenders compared for you
Know your numbers before the bank does
Business Installment Loan — 30-second check Lender criteria
Checks: turnover ≥ ₹40 L × 2 yrs · vintage ≥ 3 yrs · age 25–65 · profitable · Amount = FOIR on monthly profit, ₹5 L – ₹35 L
Indicative estimate using standard lending formulas and editable default rates. Final amount, rate and terms are decided by the lender after appraisal.
EMI calculator Formula
EMI = P × r × (1+r)ⁿ ÷ [(1+r)ⁿ − 1] · r = annual rate ÷ 12 ÷ 100 · n = months
Indicative estimate using standard lending formulas and editable default rates. Final amount, rate and terms are decided by the lender after appraisal.
Who qualifies
Business Criteria
- Proprietorship, partnership or private limited company
- Minimum 3 years in the same business; 1 year at the same place
- Turnover of at least ₹40 lakh a year for the last 2 years
- Profitable business
Applicant Criteria
- Age 25–65 years
- Loan used for business purpose only
- Clean repayment track on existing loans
What you'll need
- Photograph of all applicants
- KYC: PAN card + Aadhaar / Passport / Driving Licence
- Residence proof: Passport / Voter ID / Driving Licence / recent electricity or telephone bill
- Office proof: GST registration / Udyam certificate / utility bill of the premises
- Income proof: last 2 years ITR with computation of income and financials
- Bank statement: last 6 months of the main business account
- Constitution proof: MOA–AOA / partnership deed (for companies and firms)
- Existing loans: repayment schedules / sanction letters of all running loans
- Ownership proof: electricity bill / house tax receipt / property papers of office or residence
- Audited financials: last 2 years with audit report and all schedules
- Sanction letter of any existing cash credit / overdraft limit
- Registrations: GST / other government registrations
Tip: use our document checklist builder to tick off what you have and send the pending list to us on WhatsApp.
When this loan is the right tool
From first question to disbursal, in four steps
Check eligibility
Use a calculator or the 3-step check. No effect on your credit score.
Share documents
Our checklist tells you exactly what's needed — send it on WhatsApp or drop it at our office.
Ex-banker pre-check
Our in-house credit team reviews your file and selects the lenders most likely to approve at the best rate.
Sanction & disbursal
We follow up with the lender until the money is in your account — and stay for after-sales support.
Business Installment Loan: your questions answered
Business Installment Loans range from ₹5 lakh to ₹35 lakh.
No. BIL is unsecured — no property mortgage is required.
A minimum turnover of ₹40 lakh a year for each of the last 2 years.
At least 3 years in the same business, with 1 year at the same place, and profitable.
No. A BIL can be used for business purposes only.
The main applicant must be between 25 and 65 years old.
A secured route — loan against property or a term loan — may suit you better and usually costs less. Our credit team will suggest the best option.
From 1 January 2026, RBI bars pre-payment charges on floating-rate business loans to individuals and MSEs. Fixed-rate BILs follow the lender's terms, which we disclose upfront.
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Apply for business installment loan with an ex-banker on your side
One conversation, many lenders. We pre-check your file, negotiate the rate and stay with you after disbursal.
- WhatsApp+91 98717 48555
- Office011-45123555
- Emailsandeep@bhavyaa.com
Not sure which loan fits?
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