Fuel Your Business Ambitions with the Right Loan
Empower your enterprise with easy access to capital through Shubhdhanam's Business Loan — crafted to support expansion, operations, and financial stability with minimal hassle.
Business Loan Overview
Shubhdhanam's Business Loans provide funding perfectly suited for working capital, equipment purchases, or strategic expansion. Choose tenures up to five years and enjoy competitive rates with zero hidden fees — so you always know your exact repayment.
Get rewarded as you grow with our Loan EMI Free Plan. Refer other businesses, and when they disburse over ₹10 lakhs, earn 1% of that amount — effectively offsetting your own EMI.
Our fully digital application requires minimal documentation — just ITRs, bank statements, and basic business proof — and delivers approval in 3–5 working days. No lengthy paperwork, no unnecessary delays — just straightforward access to funds when you need them most.
Beyond financing, we believe in community-driven success. By empowering local entrepreneurs with QR-code-enabled services and referral rewards, we create a network where every business fuels another's growth.
Features & Benefits of Business Loan
Flexible Tenures
Choose repayment periods up to five years, so you can match your loan schedule to your cash flow needs.
Competitive Interest Rates
Access market-aligned rates with zero hidden fees — keeping your borrowing cost transparent and affordable.
Minimal Documentation
Apply with just basic business proofs (ITRs, bank statements, registration), reducing paperwork and approval delays.
Quick Disbursal
Get funds in as little as 3–5 working days, so you never miss an opportunity or stall your operations.
EMI-Free Referral Plan
Refer another business that disburses over ₹10 lakhs in a month and earn 1% of their loan amount to offset your own EMI.
QR-Enabled Local Access
Use QR codes at partner outlets for easy application support — bringing finance solutions directly into your neighborhood.
Business Loan Eligibility Criteria
To apply for a Business Loan with Shubhdhanam, the below list outlines the key eligibility requirements:
- Age — Applicant must be between 21 to 60 years at the time of application.
- Business Experience — Must have a minimum of 2 years in business. Business should be operational and profitable.
- Income Criteria — Proof of regular business income through financial statements or bank statements.
- Credit Score — CIBIL score of 700 or above is required for better approval chances.
- Loan Amount — Loan amounts range from ₹2 Lakhs to ₹2 Crores, based on eligibility and business profile.
- Rate of Interest — Interest rates vary between 12.00% to 24.00% per annum.
- Loan Tenure — Flexible tenure from 12 to 60 months (1 to 5 years).
- Disbursement Time — Quick disbursal within 3 to 7 days after approval.
Documents Requirement for Business Loan
Sole Proprietorship
- Id Proof: Pancard / Aadhar Card / Voter Id / DL / Passport (Any One)
- Residence: Aadhar Card (Self/Spouse/Parents) / Voter Id (Self/Spouse/Parents) / Passport / Ownership Light Bill (Latest 3 Month) / 6 Month Old Rent Agreement (if Notary then Light Bill required, if Registered then not required) or 6 Month Old Saving Account or Latest Gas Receipt (Latest 3 Month). (Any One)
- Office Add Proof: 6 Month Old Rent Agreement / Udyam Aadhar / Ownership Light Bill (Any One)
- Banking: Saving / Current / OD / CC (Any One), Statement Required Of 1 Year.
- Business Vintage Proof: 2-3 Yr Old Gumasta / 2-3 Yr Old Udyam Aadhar (Registration Date Year Is Mandatory) / 2-3 Yr Old Current Account / 2-3 Yr Old ITR With Complete Set / 2-3 Yr GST Certificate If Available (Any One)
- Income Documents: 2 Yr Latest Year ITR With Complete Set
Partnership Firms
- Id Proof: Pancard / Aadhar Card / Voter Id / DL / Passport (Any One)
- Residence: Aadhar Card (Self/Spouse/Parents) / Voter Id (Self/Spouse/Parents) / Passport / Ownership Light Bill (Latest 3 Month) / 6 Month Old Rent Agreement (if Notary then Light Bill required, if Registered then not required) or 6 Month Old Saving Account or Latest Gas Receipt (Latest 3 Month). (Any One)
- Office Add. Proof: 6 Month Old Rent Agreement / Udyam Aadhar / Ownership Light Bill (Any One)
- Banking: Current / OD / CC (Any One), Statement Required Of 1 Year.
- Business Vintage Proof: 2-3 Yr Old Gumasta / 2-3 Yr Old Udyam Aadhar (Registration Date Year Is Mandatory) / 2-3 Yr Old Current Account / 2-3 Yr Old ITR With Complete Set / 2-3 Yr GST Certificate If Available (Any One)
- Income Documents: 2 Yr Latest Year ITR With Complete Set
Private Limited Companies & LLPs
- Id Proof: Pancard / Aadhar Card / Voter Id / DL / Passport (Any One)
- Residence Proof: Aadhar Card (Self/Spouse/Parents) / Voter Id (Self/Spouse/Parents) / Passport / Ownership Light Bill (Latest 3 Month) / 6 Month Old Rent Agreement (if Notary then Light Bill required, if Registered then not required) or 6 Month Old Saving Account or Latest Gas Receipt (Latest 3 Month). (Any One)
- Office Proof: 6 Month Old Rent Agreement / Udyam Aadhar / Ownership Light Bill (Any One)
- Business Vintage Proof: 2-3 Yr Old Gumasta / 2-3 Yr Old Udyam Aadhar (Registration Date Year Is Mandatory) / 2-3 Yr Old Current Account / 2-3 Yr Old ITR With Complete Set / 2-3 Yr GST Certificate If Available (Any One)
- Income Documents: 2 Yr Latest Year ITR With Complete Set
Fees and Charges for Business Loan
The below list highlights the standard fees and charges applicable to business loans offered by Shubhdhanam:
- Processing Fee: Up to 2% of the sanctioned loan amount (plus applicable taxes)
- Prepayment/Foreclosure Charges: May range between 2% – 5% of the outstanding principal (as per loan terms)
- Late Payment Charges: 2% per month on the overdue EMI amount
- EMI Bounce Charges: ₹500 to ₹750 per bounced transaction
- Loan Cancellation Charges: Processing fee is non-refundable if the loan is cancelled post-sanction
- Legal & Technical Charges: As per actuals (for document verification and business evaluation)
- Statement/Document Request Charges: ₹200 to ₹500 depending on the type of document
- These charges may vary based on your loan profile and terms. All applicable fees are transparently communicated during the loan application process.
How Business Loan is Calculated
A Business Loan is calculated based on the loan amount, interest rate, and tenure. These three factors determine your monthly EMI (Equated Monthly Installment), which is the fixed amount you repay each month.
The total repayment amount is the EMI multiplied by the number of months, and the total interest is the difference between this and the principal.
At Shubhdhanam, we offer a transparent calculation process and personalized assistance to help you understand your repayment plan before you commit.
EMI = [P × r × (1 + r)^n] / [(1 + r)^n − 1] where P = Principal loan amount, r = Monthly interest rate (annual rate ÷ 12 ÷ 100), n = Loan tenure in months
Partners
FAQs
We support a wide range of entities — sole proprietorships, partnerships, LLPs, and private limited companies — across sectors like retail, manufacturing, services, and more. Your business must be operational for at least one year to qualify.