Business Loan

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A business loan gives your shop, firm or MSME the money to buy stock, manage working capital, purchase equipment or expand. Most business loans on ClickPe are unsecured — you do not pledge property — and lenders assess your business turnover, banking history, vintage and credit score.

ClickPe started by helping small merchants access loans with daily repayment that matches daily sales. Today you can compare monthly-EMI and daily-repayment business loans from RBI-regulated lenders in one place.

See business loan offers →Business loan EMI calculator

Compare business loan offers

Figures are taken from each lender's official website on the date shown. Your actual rate and charges depend on your profile and are confirmed by the lender in the Key Fact Statement.

Product	Lender	Interest rate	Amount	Tenure	Processing fee
Muthoot EMI Business Loan As of Nov 2026 · source	Muthoot Finance Limited (RBI Regn. No. N.16.00167)	—	—	—	—
Muthoot Daily Business Loan As of Nov 2026 · source	Muthoot Finance Limited (RBI Regn. No. N.16.00167)	—	—	—	—
Godrej Capital Business Loan As of Nov 2026 · source	Godrej Finance Limited	—	₹3 L – ₹75 L	—	Up to 3% of the loan amount (another table on the same page states up to 2% plus applicable taxes; the sanction letter confirms the final fee)
mPokket Business Loan As of Nov 2026 · source	mPokket	—	—	—	—
FlexiLoans Business Loan As of Nov 2026 · source	Epimoney Private Limited (trade name FlexiLoans), an RBI-registered NBFC	—	—	24 – 42 months	2-6% of the loan amount + GST (processing fee & document charges)

Who is it for?

Retailers, kirana stores and traders who need working capital for inventory
Service businesses and self-employed professionals with regular bank credits
MSMEs registered on Udyam that want to expand or buy equipment
Merchants who prefer small daily repayments from daily collections

Key features

Collateral-free

Unsecured loans based on your business cash flows and credit history.

Daily or monthly repayment

Choose a monthly EMI or, where offered, daily repayment (EDI) aligned to daily sales.

Short and flexible tenures

Tenures range from a few months to several years depending on the lender and product.

Digital process

Bank statements, GST and KYC can often be shared online, reducing paperwork and branch visits.

Eligibility

Business operating for a minimum period, commonly 1-3 years (some products accept 6 months)
Regular turnover visible in bank statements; some lenders also check GST returns
Owner aged within the lender's range, typically 21-65 years
A reasonable personal and business credit history with no recent defaults
Business located in a serviceable pincode

Documents required

PAN of the business and of the owner/partners/directors
Aadhaar or other KYC of the owner
Business proof: Udyam registration, GST certificate, shop and establishment licence or trade licence
Bank statements for the last 6-12 months
ITR and financial statements for larger loan amounts

Business loan EMI calculator

Loan amount

₹

Interest rate (p.a.)

Tenure

months

Monthly EMI: ₹36,152
Principal: ₹10,00,000
Total interest: ₹3,01,486
Total amount payable: ₹13,01,486

How to apply

Compare business loan offers on ClickPe and check eligibility.
Choose monthly EMI or daily repayment and the amount you need.
Upload KYC, business proof and bank statements, or link them digitally.
Review the Key Fact Statement, including APR and all charges, and e-sign.
The lender disburses the loan to your business or personal bank account.

Daily repayment vs monthly EMI

With daily repayment, a small fixed amount is collected every business day, often from your daily sales or UPI receipts. It suits shops with steady daily takings and avoids the pressure of one large monthly payment. Monthly EMIs suit businesses whose income arrives in larger, less frequent payments.

Whichever you choose, compare the total amount payable and the APR in the Key Fact Statement. Short-tenure daily loans can have a higher effective annual cost than they first appear.

Government schemes for small businesses

Collateral-free lending to micro and small enterprises is supported by schemes such as the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) and Pradhan Mantri MUDRA Yojana, offered through banks and eligible lenders. Udyam registration helps you access these schemes and priority-sector lending.

Before you accept any loan, the lender must give you a Key Fact Statement (KFS) showing the annual percentage rate (APR), every fee and charge, and the full repayment schedule. Compare offers on APR, not on the headline interest rate alone.

Frequently asked questions

Can I get a business loan without collateral?

Yes. Most small business loans are unsecured. Lenders rely on your bank statements, turnover, business vintage and credit score instead of collateral.

What is a daily repayment business loan?

It is a loan repaid in small daily instalments (often called EDI) instead of a monthly EMI, usually collected from daily sales. It suits merchants with regular daily income.

Is Udyam registration necessary for a business loan?

Not always, but it helps. Udyam registration is free, identifies you as an MSME and is often required for government-backed schemes and priority-sector benefits.

How much business loan can I get?

It depends on your turnover, profit, banking history and existing debt. Lenders usually cap EMIs at a share of your monthly cash flow. Offers on ClickPe show the amount range for each lender.

Does a business loan affect my personal CIBIL score?

For proprietorships and loans where you are a borrower or guarantor, yes — repayments are reported against your PAN. Paying on time builds your score; missed payments lower it.

ClickPe is a financial marketplace and Digital Lending Service Provider. Loans and cards are sanctioned and issued by RBI-regulated banks and NBFCs; see our lending partners. Using ClickPe is free; we may receive a commission from the lender.

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Business & MSME Loans