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Loan
Running a business takes more than just a great idea – it takes capital at the right time. Whether you’re looking to open a second location, buy equipment, manage a cash crunch, or simply keep operations running smoothly, a business loan can make the difference between staying stuck and moving forward.
At R9 Wealth, we don’t just help you fill out a form. We sit down with your situation, match you with the right lender from a panel that includes Kotak Bank, Bajaj Finserv, IndusInd Bank, SBI, and others – and guide you through the entire process until the money hits your account.
There are plenty of places to apply for a business loan. What’s different here is that we actually work for you – not the bank.
Before you apply, here’s a general picture of what lenders look for:
Parameter | What’s Needed |
Nationality | Indian resident |
Age | 18 to 65 years |
Business Type | Proprietorship, Partnership, LLP, or Private Limited Company |
How Long in Business | At least 2–3 years |
CIBIL Score | 650 or above (higher = better terms) |
Income Proof | Stable income, regular bank activity |
GST Registration | Required where applicable |
Udyam/MSME Registration | Preferred |
ITR Filed | Last 2–3 years |
Turnover | Should meet the lender’s minimum threshold |
Each lender has their own criteria. Our team helps you figure out where you stand before you apply – so you’re not guessing.
If your borrowing needs are personal rather than business-related, check our flexible Personal Loan options.
Lender | Min. Business Age | Min. CIBIL | Age Range | Max Loan |
Kotak Bank | 3 years | Not specified | 25–65 yrs | ₹1 Crore |
Bajaj Finserv | Not specified | Not specified | Not specified | ₹80 Lakhs |
IndusInd Bank | 2 years | 680+ | 25–67 yrs | ₹20 Lakhs |
SBI (SME Smart Score) | MSME registered | CIBIL CMR Go | 18–65 yrs | ₹50 Lakhs |
Not every business needs the same thing. Here’s a plain-English breakdown of your options:
Small Business Loan
Perfect if you’re a trader, retailer, or small professional looking for quick funds without a mountain of paperwork.
MSME Business Loan
Built for registered MSMEs that need larger amounts to scale up, upgrade infrastructure, or take on bigger projects.
Working Capital Business Loan
For businesses that need to keep the engine running – paying salaries, restocking inventory, managing monthly cash flow.
Term Loan
When you’re making a big investment that’ll pay off over time – a new machine, a construction project, a new branch.
Overdraft Facility
Flexible access to a credit line – draw only what you need, and pay interest only on what you use.
Loan Against Business Assets
Own a commercial or industrial property? You can use it as security to unlock a larger loan at better rates.
Amount:
Based on asset valuation
Actual business loan amounts and approval are subject to the lender’s assessment of your business profile and documents.
Looking to purchase a residential property? Explore our Home Loan solutions.
Getting these ready in advance speeds things up considerably:
Who You Are
Aadhaar, PAN Card, Passport, Voter ID, or Driving License
Where You Live / Work
Aadhaar, Passport, recent utility bills, rent agreement
Your Business Exists
GST Certificate, Udyam/MSME Registration, Shop & Establishment Certificate, Certificate of Incorporation, or Partnership Deed
Your Financials
Last 2–3 years of ITR, 6–12 months of bank statements, P&L statement, Balance Sheet (if applicable)
Business Address
Rent agreement, electricity bill, or municipal tax receipt
Misc
Passport-size photos, cancelled cheque
The exact list depends on the lender and business loan type. We’ll give you a precise checklist once we know which lender is right for you.
Once your business is financially stable, consider building long-term wealth through Mutual Funds.
Step 1 – Tell us what you need
Business Loan amount, what it’s for, what kind of business you run. That’s enough to get started.
Step 2 – We find your best match
We check your profile across lenders and tell you where you’re most likely to qualify – without triggering multiple credit checks.
Step 3 – Upload your documents
Fully digital with most lenders. No branch visits required.
Step 4 – Sit back while it’s processed
Some lenders respond within 5 working days. A few can disburse in 48 hours.
Step 5 – Money in your account
Funds go straight to your existing bank account. No new account needed.
One practical tip: A CIBIL score above 700 and up-to-date GST filings genuinely make a difference – both in approval chances and the rate you’re offered.
Every business owner should also secure their family’s future with the right Term Insurance plan.
Charge | Typical Range |
Processing Fee | 0.40% to 2% of loan amount + GST |
Documentation Charges | ₹1,000 to ₹6,000 depending on loan size |
Foreclosure Charges | Nil for Micro & Small Enterprises (loans up to ₹50L on fixed rate) |
Stamp Duty | As per your state’s regulations |
Interest Rate | Starting from 15.99% per annum |
Don’t let a funding gap get in the way of where you’re trying to go. Whether it’s a small push or a major expansion, R9 Wealth will help you find the right business loan, from the right lender, at the right terms.
Call us | Apply Online | Email us
Apply Today - No Commitment, No Credit Score Impact
650 is the general minimum. IndusInd Bank’s quick product requires 680. Anything above 700 usually means faster approval and a better rate.
Yes – many lenders, including IndusInd Bank and Bajaj Finserv, are completely digital. With R9 Wealth, you can do the entire thing from your phone.
Anywhere from ₹50,000 to ₹2 crore, depending on your turnover, vintage, and CIBIL score.
Most lenders want 2–3 years. Kotak needs 3; IndusInd is fine with 2.
Not always. Several lenders – including Kotak and IndusInd – offer unsecured loans under government guarantee schemes.
Bajaj Finserv can disburse in 48 hours. IndusInd has done it in 10 minutes for eligible applicants. Your timeline depends on how quickly your documents are in order.
Most traditional banks require 2–3 years of history. But there are NBFC options and SBI startup products worth exploring. Talk to us, and we’ll tell you honestly what’s possible.
Working capital is for day-to-day costs – payroll, inventory, bills. A term loan is for bigger, longer-term investments. Both are available through R9 Wealth.
It starts from 15.99% per annum and varies by lender, loan size, and your profile. We compare across lenders so you get the most competitive rate you’re eligible for.
Interest rates are indicative and subject to change in line with RBI guidelines and individual lender policy. Business loan approval is subject to credit assessment and the eligibility criteria of the lending institution. R9 Wealth acts solely as a loan advisory and facilitation partner and is not a lender.
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At R9 Wealth, we provide personalised solutions for loans, insurance, mutual funds, and wealth management to help you achieve your financial goals.
01-041, First Floor MGF Metropolis Mall MG Road, Sector 28 Gurugram – 122002 India
Monday to Saturday: 9:00 AM - 6:00 PM Sunday: Closed
+91 99712 95533
info@r9wealth.com
Office Space Unit No. 01-041, MGF Metropolis Mall, Mehrauli Gurugram Road, Sector 28, Gurugram, Haryana - 122002
Contact No: +91 9971295533
Email: info@r9wealth.com
Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. Past performance is not an indicator of future returns. R9 Wealth is an AMFI registered Mutual Fund distributor with ARN – 334421 (ARN Validity Period: 18-July-2025 to 17-July-2028). R9 Wealth and its brand assets are trademarks of R9 Wealth Financial Services.
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