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Every business needs the right support to grow — whether it’s to manage working capital, expand operations, or invest in new assets.
At Sankalp Finance, we help you find the best loan offers from trusted RBI-approved lenders, ensuring transparency, speed, and zero confusion at every step.
With our easy process and honest guidance, you can focus on your business while we take care of the financing.
Quick Approvals & Paperless Process
Fast eligibility checks and a fully digital documentation process for hassle-free borrowing.
Flexible Loan Amounts & Repayment Options
Choose the loan size and tenure that fit your business needs and cash-flow cycle.
No Collateral Required
Access unsecured business loans without pledging property or assets.
Multiple Lenders, One Platform
Compare offers from trusted RBI-approved banks and NBFCs to find the best deal.
Transparent Process & Dedicated Support
No hidden charges, clear communication, and end-to-end guidance from our team.
You can apply for a business loan if you are:
A self-employed individual, proprietor, or business owner
Running a business for at least 1 year
Having a minimum turnover of ₹6 Lakhs per year
Maintaining a good repayment history or CIBIL score
Don’t worry if you’re unsure — we’ll help you check eligibility instantly.
Basic Documents We Need:
PAN Card & Aadhaar Card
Business Registration Proof / GST Certificate
Bank Statement (last 12 months)
Upload digitally — no branch visits or lengthy queues.
Factors Affecting Interest Rate and Charges of a Business Loan
1. Credit Score & Repayment History
A strong credit score and clean repayment record signal lower risk for lenders — resulting in better interest rates. Lower scores may lead to higher charges or stricter terms.
2. Business Vintage & Stability
Businesses operating successfully for 2+ years with steady performance and consistent revenue often receive more favourable loan rates.
3. Annual Turnover & Cash Flow
Higher and stable turnover shows good financial health. Lenders offer lower interest rates when they see reliable cash flow and the ability to repay on time.
4. Type of Business & Industry Risk
Some industries are considered high-risk due to volatility. Businesses in stable, low-risk sectors generally get better loan terms.
5. Loan Amount & Tenure
6. Existing Financial Obligations
If you already have multiple active loans or high monthly liabilities, lenders may increase your interest rate due to perceived risk.
7. Collateral (If Any)
Unsecured loans generally have higher interest rates. Offering collateral (in secured loans) can reduce rates, though most Sankalp Finance partner loans remain unsecured.
8. Lender Policies & Market Conditions
Each bank/NBFC has its own risk assessment model. Economic shifts, RBI regulations, and market demand also influence interest rates and processing fees.
| Factor | Charges |
|---|---|
| Interest Rate | Starts at 9% p.a. |
| Loan Amount | ₹50,000 to ₹2 Crores |
| Loan Tenure | 6 to 180 months |
| Processing Fee | From 0.5% Onwards |
| Other Hidden Charges | Nil |
Fast, simple, and transparent — that’s how we make business financing easier.
We took a business loan around two months ago, and found that the dealings with Sankalp Finance were very convenient. Their relationship manager handled the entire process from documentation to release of funds in a very smooth and hassle-free manner. The interest rate for Business Loan offered to us was very competitive. We strongly recommend Sankalp Finance.
I have taken a loan for 3 Commercial Vehicles from Sankalp Finance and have applied for the 4th vehicle. I'm very happy with their quick loan approval process.
After a great experience with my first car loan, I returned to Sankalp Finance for a personal loan as well. The same level of support, clarity, and speed — they’ve earned my complete trust.
A business loan is a credit facility that helps you manage working capital, expand operations, buy equipment, invest in inventory, or support any business-related need. It’s typically unsecured and based on your income, turnover, and credit profile.
You can apply if you are:
A self-employed individual or business owner
Running a business for at least 1 year
Having regular bank transactions and stable cash flow
No. Most business loans offered through Sankalp Finance are unsecured, meaning you don’t need to provide any collateral.
Loan amounts typically range from ₹50,000 to ₹2 Crores, depending on your business turnover, financial history, and lender criteria.
No hidden charges at all. We do not charge you for connecting with lenders or processing your loan. Our goal is to make your borrowing experience simple, clear, and fair.
It depends on the type of loan and the lender, but in most cases, approvals happen within 24 hours once documents are verified. We stay in touch with both you and the lender to speed up the process.
Absolutely. We only share your details with verified, RBI-approved financial partners, and follow strict data security practices to ensure your information remains private and protected.
Yes, in many cases. We guide you on improving your credit profile and connect you with lenders that offer flexible terms for customers with lower scores.
Sankalp Finance never asks for any payment, fee, or advance amount for loan processing.
If anyone claiming to be from Sankalp Finance asks you to transfer money, share OTPs, or make any kind of payment — please do not proceed.
Your loan application is completely free, and your safety is our priority.
