Business Loan | Explicit Finances

Business Loans Built for India's Entrepreneurs

Whether you're a woman entrepreneur running a boutique, a manufacturer looking to expand, or an MSME seeking working capital — Explicit Finances provides business loans that match your reality, not a generic checklist.

We assess your actual business potential — cash flows, repeat customers, growth trajectory — rather than just credit scores and property assets.

What Can a Business Loan Be Used For?

Business expansion and opening new locations
Hiring additional staff and managing payroll
Marketing and brand building investments
Technology upgrades and digital transformation
Renovation and refurbishment of premises
General working capital and operations
Bridging gaps during growth phases

Our Unique Approach to Business Lending

Most lenders apply a rigid checklist. We take a different approach:

Cash Flow Assessment: We evaluate your actual monthly revenue and repeat business patterns
Business Potential: We look at growth trajectory, not just historical data
Flexible Structures: EMIs aligned with seasonal business patterns
Digital-First Process: Complete applications online, decisions in 48–72 hours
Transparent Terms: No hidden fees or surprise charges

Who Can Apply?

Sole proprietors and self-employed individuals
Partnership firms and LLPs
Private Limited companies
Women entrepreneurs (special focus)
Manufacturing, trading, and service businesses

👩‍💼 Women Entrepreneurs: We have specifically designed programs for women-led businesses, recognizing the unique financial challenges and opportunities they face. Evidence shows women-led MSMEs have excellent repayment records.

Eligibility Requirements

Business vintage of at least 6 months (newer businesses considered case by case)
Minimum annual revenue of ₹20 Lakhs
Valid business registration documents
PAN and Aadhaar of promoters
GST registration where applicable

Documents Required

KYC documents (Aadhaar + PAN)
Business registration / Udyam certificate
6 months bank statements
GST returns (if applicable)
ITR for last 1–2 years (if available)

Other Loan Products

FAQs

Business Loan FAQs

Yes! We evaluate newer businesses on the basis of business plan, bank statements, revenue consistency, and business potential. Even entrepreneurs with limited credit history are considered.

Business loan rates typically range from 12–20% per annum, depending on loan amount, tenure, credit profile, and business financials. We always provide complete rate transparency upfront.

No! We offer unsecured business loans without property collateral for eligible businesses. Loan eligibility is primarily assessed on business cash flows and creditworthiness.

Yes! We have special focus programs for women entrepreneurs with flexible eligibility criteria, recognizing the unique financial challenges and the proven excellent repayment track record of women-led businesses.

Fuel Every Stage of Your Business Growth