FlexiLoans Business Loan

Last Updated : April 5, 2025, 4:15 p.m.

​FlexiLoans offers unsecured business loans designed for small and medium-sized enterprises (SMEs) in India. These collateral-free loans range up to Rs 50 crore with interest rates starting at 1% per month, depending on factors such as loan amount, tenure, and eligibility. Flexible repayment terms are available to suit various business needs. ​

FlexiLoans Business Loan Interest Rate Details 2025

Types of FlexiLoans: Business Loan

Here are the products of business loans provided by Flexiloans for their customers with details and features -

• FlexiLoans Term Loan

FlexiLoans offers term loans designed to support businesses in their formation, operation, and growth. These are one-time loans disbursed for specific needs and repaid over a fixed tenure, making them ideal for entrepreneurs seeking quick and flexible funding without collateral.

• Loan Amount - up to 1 crore
• Loan Tenure - up to 24 months
• Repayment Frequency - monthly wise
  
• FlexiLoans Loan Against POS

FlexiLoans offers Merchant Cash Advance (MCA) or Loan Against POS, a convenient funding option for small businesses facing challenges like a lack of collateral and high interest rates. With quicker approvals, flexible repayments linked to daily card sales, and minimal paperwork, MCA is an ideal alternative to traditional business loans.

• Loan Amount - up to 1 crore
• Loan Tenure - up to 3 months - 24 months
• Repayment Frequency - Daily Basis
  
• FlexiLoans Vendor Financing

FlexiLoans offers Vendor Financing to help small suppliers manage cash flow gaps caused by delayed payments from large enterprises. This solution provides early payment against invoices, enabling vendors to maintain operations, fulfill multiple orders, and strengthen the supply chain — all while avoiding cash crunches.

• Loan Amount - Up to Rs 2.5 crore
• Loan Tenure - Up to 12 months
• Repayment Frequency - 30 to 120 days (Against Invoice)

FlexiLoans: Business Loan For Women

FlexiLoans offers quick and hassle-free business loans for women entrepreneurs, empowering them to grow without financial barriers. Backed by strong business performance, these loans come with flexible terms, fast approvals, and customized solutions tailored to their enterprise needs.

Features of Business Loan for Women By FlexiLoans

• Quick Disbursal: Loans up to Rs 10 crore approved within 3 working days.
• Flexible Repayment: EMI options tailored to business cash flow, including bullet payments.
• Boost Credit Score: Timely repayments help improve credit health, tracked across all major bureaus.
• No Collateral Needed: 100% unsecured loans without risking personal assets.
• Minimal Documentation: Simple, digital application with minimal paperwork.
• Customised Schemes: Multiple loan programs to support startups and business expansion.

Empowering women-led businesses with fast, flexible, and collateral-free funding.

Minimal Documentation Business Loan For Women

• FlexiLoans offers business loans for women with minimal documentation and no collateral required.
• Applications are fully digital, making the process fast and hassle-free. Whether starting a new venture or expanding an existing one, women entrepreneurs can choose from a variety of customised loan schemes.

Key Benefits of FlexiLoans' Business Loans for Women Entrepreneurs in India

• Unbiased Loan Approvals - At FlexiLoans, they are committed to empowering entrepreneurs purely based on their business potential, regardless of gender, background, or location. The loan approval process is transparent, data-driven, and free from bias. If traditional lenders have turned you down, they offer a fair and fast alternative to access the funding you deserve.

• Complete Business Ownership - Their unsecured business loans let you retain full control of your business without needing to pledge any collateral. Unlike traditional banks or invoice-based lenders, they do not interfere with your operations. Your assets remain safe, and your decisions stay yours.

• Reduced Cash Flow Uncertainty - Managing cash flow is crucial for early-stage businesses. Their business loans help women entrepreneurs bridge financial gaps, cover operational costs, and fuel growth, especially during unpredictable or seasonal cycles.

• Build Credit and Future Funding Opportunities - Every repayment you make is reported to major credit bureaus, helping strengthen your business credit profile. Over time, this improves your eligibility for higher funding limits and opens doors to new investment or partnership opportunities.
  
• Fast, Reliable Support - In a competitive market, timing is everything. FlexiLoans ensures quick loan processing with minimal documentation, often approving loans within 24 to 72 hours. Their simplified approach helps you focus on what matters most: running and scaling your business.

How to Apply for a Business Loan for Women Entrepreneurs?

• Step 1. Online Application
  Visit the FlexiLoans website and fill out the loan application form with accurate business and personal details. This helps us assess your eligibility quickly.
  
• Step 2. Upload Required Documents
  Submit essential documents online, such as identity proof, business registration papers, and current account bank statements. The process is fully digital and hassle-free.
  
• Step 3. Credit Evaluation
  The team will assess your business performance and financials to determine the loan amount and applicable interest rates. A loan officer will guide you through the offer and help you make an informed decision.
  
• Step 4. Loan Disbursement
  Once your documents are verified and the loan is approved, they’ll share the loan agreement. After signing, the funds are disbursed to your account within 48 hours.

Eligibility Criteria for Women Entrepreneurs to Apply for a Business Loan with FlexiLoans

FlexiLoans has streamlined its eligibility requirements to ensure a fast and hassle-free loan process for women entrepreneurs. With minimal documentation and simplified conditions, applying is quick and efficient.

• The applicant must be between 21 and 65 years of age at the time of the loan application.
• Eligible entities include sole proprietors, private limited companies, and partnership firms engaged in trading, manufacturing, or services.
• The business should be operational for at least 1 year with a minimum monthly turnover of Rs 2 million.
• Applicants should ideally have at least 3 years of business experience and a total of 5 years of work experience.
• For businesses operating for over 3 years, the chances of loan approval are even stronger.
• The company must be tax-compliant with a clean financial record and no discrepancies in previous accounts.

These criteria are designed to support women-led businesses in accessing funds with ease and speed.

Documents Required for Women Applying for a Business Loan with FlexiLoans

Importance of Business Loans for Women Entrepreneurs

Business loans from lenders like FlexiLoans give strong financial support to women entrepreneurs. These loans help women overcome the unique challenges they face while starting or growing a business. With easy online access, no need for collateral, and minimal paperwork, FlexiLoans makes it simple for women to manage and grow their businesses. Here's how a business loan can help:

1. Easy Access to Capital

Business loans give women the money they need to start a new business or expand an existing one. Whether it's buying equipment, stocking up on inventory, or managing daily operations, the loans provide the financial push to move forward.

2. Build a Good Credit History

Taking a business loan and paying it back on time helps build a strong credit record. This makes it easier to get bigger loans or more funding in the future, especially for those with limited credit history or no collateral.

3. More Flexibility and Control

With flexible repayment options, business loans from FlexiLoans allow women to run their businesses without added stress. You can choose repayment terms that suit your business needs and cash flow.

4. Independent Decision-Making

A loan gives women the freedom to fund their businesses without giving away ownership or control. You don’t have to rely on investors or share decision-making; your business stays fully in your hands.

5. Access to Support and Networks

Some lenders also offer extra support like mentorship, events, or learning resources made just for women in business. These can help you grow faster and connect with the right people.

6. Boost Confidence and Promote Equality

Most importantly, business loans help break down barriers for women in business. They promote equality, give women the power to achieve their goals, and encourage more women to step into leadership roles in the business world.

MSME Loan By FlexiLoans

An MSME loan is a customized financial product designed to support micro, small, and medium enterprises with their business needs, like managing daily expenses, purchasing equipment, or expanding operations. Traditional bank loans can be hard to access due to strict requirements, but FlexiLoans offers MSME loans that are 100% online, collateral-free, and quick to disburse. With loan amounts ranging from Rs 50,000 to Rs 1 crore and flexible repayment options, FlexiLoans is a trusted partner in helping small businesses grow without delays.

Interest Rates & Charges for MSME Loans by FlexiLoans

How MSME Loans Support Small Business Growth in India?

An MSME loan is designed to meet the unique financial needs of micro, small, and medium businesses, helping them manage both short-term and long-term goals. Here's how MSME loans can empower businesses:

• Access to Working Capital
  Ensures smooth daily operations by providing funds for salaries, overheads, and other routine expenses.

• Support for Business Expansion
  Helps scale operations by funding new branches, increasing production, or entering new markets.

• Upgrading Equipment and Technology
  Allows investment in modern machinery and tools to boost productivity and stay competitive.

• Better Cash Flow Management
  Offers support during seasonal downturns or demand fluctuations, helping maintain steady operations.

• Collateral-Free Funding
  Gives access to financing without requiring assets as security—ideal for businesses with limited resources.

• Flexible Repayment Terms
  Customizable repayment options aligned with the business's revenue cycle for stress-free loan management.

MSME loans are a practical solution to help small businesses grow, invest in new opportunities, or overcome financial hurdles with ease.

Factors That Influence MSME Loan Interest Rates

The interest rate on your MSME loan depends on several key factors:

• Business Turnover : Higher and consistent turnover indicates strong financial health, often leading to lower interest rates.
• Credit Score : A good credit score shows responsible financial behavior and can help you secure a loan at a better rate.
• Loan Tenure : Longer repayment terms may come with slightly higher interest rates, but they offer greater repayment flexibility.

At FlexiLoans, all MSME loan interest rates are fair and transparent with no hidden charges, so you can plan your finances with confidence.

MSME Loan Features Provided by FlexiLoans

FlexiLoans aims to simplify funding for small businesses through fast, flexible, and fully digital MSME loan solutions. Here’s why it’s a smart choice:

• Loan Amounts up to Rs 1 Crore
  Raise funds between Rs 50,000 to Rs 1 crore, suitable for all business sizes.
• Flexible Tenures (12–36 Months)
  Repayment terms customised to your cash flow and business cycle.
• No Collateral Required
  Get loans without pledging any assets, just focus on growing your business.
• Fast Approvals
  Quick loan approvals within 3 working days through an efficient digital process.
• 100% Online Process
  Apply anytime, from anywhere. Upload documents and check eligibility in just a few clicks.

With these features, FlexiLoans offers a seamless borrowing experience for MSMEs looking to expand or manage operations effectively.

Eligibility Criteria for Online MSME Loan by FlexiLoans

To help you get quick loan approval, FlexiLoans has kept the eligibility requirements simple and easy to follow:

• Age Limit : Applicant should be between 21 to 65 years old.
• Business Type : MSME loans are available for sole proprietors, private limited companies, and partnerships involved in trading, manufacturing, or services.
• Business Vintage : Your business should be operational for at least 1 year with monthly sales of Rs 2 lakhs or more.
• Experience : Minimum of 3 years in business with at least 5 years of overall industry experience is preferred.
• Tax Compliance : Your business should be tax compliant with no major errors in previous accounts.
• Documents Ready : Keep all documents in digital format for quick and easy online submission during the loan application.

These simple criteria help ensure your loan application is processed smoothly and without delay.

Government Business Loan Schemes

1. Pradhan Mantri MUDRA Yojana (PMMY)

Launched in 2015, PMMY offers collateral-free loans to micro and small businesses to support entrepreneurship.

• • Loan Amount: Up to Rs 10 lakh
• Categories:
• • Shishu (Up to Rs 50,000)
  • Kishore (Rs 50,000 – Rs 5 lakh)
  • Tarun (Rs 5 lakh – Rs 10 lakh)
• Interest Rate: 8–12% p.a.
• Lenders: Banks, NBFCs, MFIs

2. Credit Guarantee Fund Scheme for MSEs (CGTMSE)

Offers unsecured business loans with a government guarantee to lenders.

• Loan Amount: Up to Rs 2 crore
• Guarantee Coverage: Up to 85%
• Tenure: Up to 5 years
• Fees: 1–1.5% (one-time), 0.5–0.75% annually
• Lenders: Banks, NSIC, SIDBI

3. Prime Minister’s Employment Generation Programme (PMEGP)

Credit-linked subsidy scheme promoting self-employment by supporting new micro-enterprises.

• Loan Amount: Up to Rs 25 lakh (Manufacturing), Rs 10 lakh (Services)
• Subsidy: 15–35%
• Eligibility: Individuals 18+, SHGs, Trusts, Societies
• Tenure: Up to 7 years
• Lenders: SIDBI, NABARD, DICCI

4. Stand-Up India Scheme

Encourages SC/ST and women entrepreneurs to set up greenfield businesses.

• Loan Amount: Rs 10 lakh to Rs 1 crore
• Tenure: Up to 7 years
• Moratorium : Up to 18 months
• Lenders: SIDBI, NABARD, Banks
• Mandate : One loan each per bank branch for SC/ST and women

5. Credit Linked Capital Subsidy Scheme (CLCSS)

Supports tech upgradation in small-scale industries through capital subsidies.

• Loan Amount: Up to Rs 1 crore
• • Subsidy : 15% of project cost
  • Coverage : 51 industry sub-sectors
• Lenders: SIDBI, NABARD, SBI, PNB & others

6. MSE Cluster Development Programme (MSE-CDP)

Helps MSEs with common infrastructure and tech improvement through cluster-based development.

• Support : Infrastructure, skill dev., common facilities
• Loan Amount : Varies as per project cost
• Lenders : Through the Ministry of MSME and state agencies.

Additional Government Loan Options for Businesses

1. NABARD Loan Scheme

Offered by the National Bank for Agriculture and Rural Development, this scheme supports rural development by funding both farming and non-farming activities.

• Loan Amount: Up to Rs 2 crore
• Purpose: Agriculture, irrigation, dairy, poultry, horticulture, rural infrastructure, and small-scale rural industries
• Lenders: Regional Rural Banks (RRBs), Cooperative Banks, and other financial institutions.

2. Udyogini Scheme

This scheme promotes women's entrepreneurship by providing financial aid and training for micro-businesses.

• Loan Amount: Up to Rs 3 lakh
• Eligible Sectors: Retail, agriculture, and small-scale industries
• Special Benefits:
  • No collateral for smaller loans
  • Interest subsidies for women from economically weaker sections
  • Includes training and skill development along with financial aid.

Documents Required for FlexiLoans MSME Business Loan

To ensure a smooth and fast application process, keep the following documents ready in digital format for easy upload:

Address Proof (Any one)

• Rent Agreement
• Driver’s License
• Voter ID
• Ration Card
• Aadhaar Card
• Passport

Personal KYC Documents

• PAN Card
• Aadhaar Card

Banking Documents

• The last 6 months of the current account bank statements

Business KYC Documents (Any one)

• GST Registration Certificate
• Shops and Establishment Certificate

Financial Documents (Required for loans above Rs 20 lakhs)

• Audited Financials for the last 2 years
• Last 2 years’ ITR (Income Tax Returns)
• GST Returns for the last 6 months

Having these documents ready will speed up your MSME loan application process with FlexiLoans.

Features of a Business Loan by FlexiLoans

• High Loan Amounts
  Business loans can range from a few lakhs to several crores, depending on your company’s financial strength, credit score, and growth potential. This allows you to invest in expansion, buy equipment, or manage working capital smoothly.

• Collateral-Free Options
  Many lenders offer unsecured business loans, meaning you don’t need to pledge any collateral. This is ideal for startups and small businesses without significant assets.

• Flexible Repayment Tenure
  You can choose repayment terms that suit your business cycle—whether short-term for urgent needs or long-term for strategic investments. This flexibility helps manage your cash flow better.

• Quick Disbursal & Minimal Paperwork
  With digital platforms, the loan process is simple and fast. Minimal documentation is required, and funds can be disbursed within a few days after approval.
  
• Competitive Interest Rates
  Interest rates are tailored to your business profile, typically ranging from 12% to 18% p.a. Factors like credit history, turnover, and profitability influence the final rate.

Benefits of Taking a Business Loan By FlexiLoans

• Grow and Expand Your Business
  Business loans give you the funds needed to grow, whether that’s launching new products, entering new markets, or opening more outlets.

• Manage Daily Expenses Easily
  Loans help maintain smooth cash flow for daily needs like paying staff, restocking inventory, handling utility bills, or settling vendor payments.

• Upgrade Equipment and Technology
  With extra funds, you can invest in better machines, tools, or software that boost productivity and improve your business operations.

• Build a Strong Credit Profile
  Taking a loan and repaying it on time strengthens your business credit history. This helps you get better loan terms and higher funding in the future.

Documents Required for Hassle-Free Business Loan Processing

1. Identity Proof of Applicant(s)

• PAN Card
• Aadhaar Card
• Voter ID Card
• Passport
• Driving License

2. Address Proof of Applicant(s)

• Aadhaar Card
• Voter ID Card
• Passport
• Utility Bills (Electricity, Phone, Gas, etc.)
• Ration Card
• Rent Agreement or Registered Lease Deed

3. Business Proof & Vintage

• Business Registration Certificate
• Partnership Deed (for partnership firms)
• Memorandum & Articles of Association (for Pvt. Ltd. companies)
• Udyog Aadhaar / MSME Registration
• Shop & Establishment Certificate
• Factory Registration (if applicable)
• SSI / MSME Certificate
• Import Export Code (if applicable)
• GST Registration
• Proof of business continuity (ITR, trade license, or bank statement)

4. Financial & Turnover Documents

• The last 2 years' audited financial statements
• Last 2 years’ ITRs (for firm and directors/partners)
• Last 6 months’ bank statements
• Order book and sales proof
• Provisional financials for the current year

5. KYC of Key Persons (Directors / Partners / Proprietor)

• PAN Card
• Aadhaar Card
• Passport-size Photographs

How to Submit Business Loan Documents Online?

Follow these simple steps to complete your business loan application:

Step 1: Visit the Website or App - Go to the official FlexiLoans website or download the FlexiLoans app from the Google Play Store.

Step 2: Fill Out the Application Form - Head to the ‘Business Loan Eligibility’ section and enter basic details like:

• Name
• Mobile number
• Business info
• GST number (if applicable)

Step 3: Upload Required Documents - Upload clear, scanned copies of the following:

• KYC documents (PAN, Aadhaar, etc.)
• Business documents (GST, registration)
• Bank statements (last 6 months)
  

Step 4: Get Credit Evaluation - We’ll assess your business profile, credit history, and performance to:

• Decide on the loan amount
• Determine the interest rate

Their loan experts will guide you through this step.

Step 5: Loan Disbursement - After approval:

• Review and sign the digital loan agreement
• Funds will be transferred to your account within 48 hours.

FlexiLoans Business Loan Eligibility Criteria

Here is the Business loan eligibility criteria for the applicants wanting to avail business loan from FlexiLoans:

Fee/charges on Business Loan FlexiLoans

Here are some of the additional charges apart from business loan interest rates . Make sure to go through them while applying for the Business loan from Flexiloans -

Summary!

FlexiLoans offers a diverse range of business loan solutions that are designed to meet the unique financial needs of MSMEs, startups, and women entrepreneurs. With flexible eligibility criteria, minimal documentation, and quick disbursal, it empowers business owners to access hassle-free funding for growth and expansion. Whether you're looking for working capital, vendor financing, or a government-backed loan, FlexiLoans provides a reliable and tech-driven platform to help your business thrive.

For Grievance Redressal Details

Name of the Grievance Redressal Officer of Lender: Ms. Pranaali Sawant
Address: 4th Floor, South Annexe, Tower 2, One World Centre, 841, Senapati Bapat Marg, Lower Parel, Mumbai, Maharashtra – 400013.
Contact Details (Telephone/Email): 022-62603800 / [email protected]
Link to Privacy Policy: https://flexiloans.com/regulatory

To Know more : https://flexiloans.com/

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