Working Capital Loan
Manage inventory, supplier payments, operating expenses and everyday cash-flow needs.
Explore Loan Term loans for growth
Business Loans for Expansion and Growth
Whether you are opening a new outlet, upgrading premises or investing in technology, explore term-loan options from banks and NBFCs. We help you present your business clearly; the lender decides on eligibility, terms and security.
Use cases
Suitable business use cases
Expand to a new location
Open a new branch, outlet, warehouse or service centre.
Upgrade premises
Renovate, fit out or expand your existing shop, office or unit.
Invest in technology
Implement software, systems or digital tools that improve operations.
Fund a growth plan
Support a planned expansion with a structured repayment schedule.
Key eligibility factors
Lenders weigh these and other factors according to their own credit policies.
- Business vintage and stability of operations
- Turnover, profitability and banking conduct
- Credit history of the business and promoters
- Existing debt and overall repayment capacity
- Purpose of the loan and the business plan behind it
- Whether the loan is secured or unsecured, and the collateral offered, as per lender policy
Commonly requested documents
Indicative only — the exact list depends on the lender, your constitution and the proposal.
Business & promoter KYC
- PAN of the business entity and of promoters / partners / directors
- Address and identity proof of promoters, as required by the lender
- Udyam Registration certificate (where registered)
- GST registration certificate (where applicable)
- Constitution documents — partnership deed, LLP agreement or MoA/AoA
Financial records
- Income tax returns, typically for the last 2–3 years
- Audited or provisional financial statements (balance sheet, P&L)
- Business bank statements, often for the last 6–12 months
- GST returns for recent periods (where applicable)
Purpose & business proof
- A short note or project report on how the funds will be used
- Proof of business premises (ownership or rent agreement)
- Property documents, where a secured loan is proposed
Existing borrowings
- Sanction letters and repayment schedules for current loans
- Loan account statements showing repayment track record
The process
How the financing process works
- 1
Share your requirement
Tell us what the funding is for, how much you need and your business profile.
- 2
Review your options
Understand secured and unsecured routes that may fit your situation.
- 3
Prepare the application
We help you assemble documents and a clear purpose note.
- 4
Lender assessment
The lender evaluates your financials, credit history and the proposal.
- 5
Lender decision & disbursal
Sanction, pricing and disbursal are determined by the lender.
Eligibility, approval, pricing, collateral requirements and disbursal depend on the lender and its applicable policies. LoanDhara does not lend and does not guarantee approval.
Business Loan: frequently asked questions
A secured loan is backed by collateral such as property, which can widen the options available. An unsecured loan relies mainly on your business performance and credit profile, and lenders may apply stricter criteria. Which route fits depends on your profile and the lender's policy.
Tenure is set by the lender based on the purpose, amount, your cash flows and their policy. We help you understand what tenure may be realistic before you apply.
Many lenders allow prepayment, but terms and any applicable charges vary. Always check the sanction letter and loan agreement.
More questions? See all FAQs or talk to an expert.
Ready to explore your options?
Share your requirement and we’ll help you understand the next financing step.
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Finance eligible machinery and production equipment to expand or modernise your operations.
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