- Retail Loans /
- Business Loan
XPRESS Business Loan
- Collateral-Free Funding
- Access to Dropline Overdraft Facility
- Attractive Interest Rate*
Why Choose Us
Flexible Tenure
Loan up to ₹1 crore
Hassle-Free Process
Quick Disbursal
Grow Your Business with the Right Financial Support
Business Loan in India
Garv Fincare Pvt. Ltd. makes available finance solutions to Indian firms with the help of our trusted banking and NBFC partners. We aim to make loans easier to obtain, thus helping entrepreneurs, startups, MSMEs, retail stores, manufacturing firms, trading companies, and self-employed people to concentrate on their core business activities.
A Business Loan is a form of financing that is specially structured for meeting business requirements for operation and growth. The money can be used by businesses to buy equipment, expand their operations, manage working capital, buy stock, invest in technology, refurbish office space, open new branches, or even handle their seasonal cash flow needs.
There are different types of business loans available as secured or unsecured loans.
Benefits of Business Loan
A business loan offers numerous advantages that help companies maintain healthy cash flow and accelerate growth. Some of the major benefits include:
- Business Expansion
- Purchase Machinery
- Working Capital Management
- Inventory Purchase
- Office Renovation
- Employee Hiring
- Marketing Investment
- Technology Upgrade
- Better Cash Flow
- Tax Benefits (where applicable)
Business Loan Eligibility
You may be eligible if you meet the following conditions:
- Indian Citizen
- Age between 21–65 years
- Self-employed professional or business owner
- Stable business operations
- Good repayment history
- Required income as per lender criteria
- Valid business proof
Eligibility may vary depending on the lender.
Why Businesses Trust Garv Fincare
Garv Fincare has earned its name by offering dependable financial help through its client-oriented services. We know well that each company requires different financial aid, which is why we collaborate with top-tier banks and NBFCs to offer tailor-made business loans. Whether you are a small businessman or a big enterprise, we have a team of professionals who will help you get the best loan at competitive rates and quicker processing.
Types of Business Loan
Interest Rate for Business Loan
Starting from 16.85%
(Terms & Conditions Apply*)
Loan Benefits & Features
Loan Benefits
- Transfer your existing Business Loan to HDFC Bank for lower EMIs, and enjoy our benefits
- Attractive Interest rates on existing loan transfer.
- Flexible tenure up to 48 months to transfer your loan balance, apply now.
- Dropline Overdraft Facility up to ₹1 lakh - ₹25 lakh*
- No guarantor/ security required
- Tenure ranging from 12-48 months
- Attractive rate of interest
- For any help with your loan, you can reach out to us via WhatsApp, Webchat, and PhoneBanking
Stay Protected
- Take care of your loved ones by paying a nominal premium* and covering your loan with our Credit Protect
- Protects the family by paying off the loan amount in case of death of the customer
- Life coverage – provides peace of mind
- No need to use other savings to repay the loan
- Tax benefits as per applicable laws
- One convenient package - loan + insurance
- The premium for this product will be deducted from the loan amount at the time of disbursal, after levying service taxes and applicable surcharge/cess at the rates notified by the government
- In case of natural/accidental death of the customer, the customer/nominee can avail of the Payment Protection Insurance (Credit Protect), which insures the principle outstanding on the loan up to a maximum of the loan amount.
Loan Details
- Avail of a loan up to ₹75 lakh (up to ₹1 Crore in select locations) without any collateral, guarantor or security, to fulfil your every business need, from business expansion to working capital.
- Check your Business Loan eligibility online or at any branch in just 60 seconds. Loans will be disbursed based on previous repayment of Home Loans, Auto Loans and Credit Cards.
- You can repay your loan over a period of 12 to 48 months.
Fees & Charges
- Enclosed below are HDFC Bank Business Loan Interest Rates & Charges
- Senior Citizen Customers are eligible for discount of 10% on all service charges
- *Government taxes and other levies as applicable will be charged over and above the Fee and Charges. Loan disbursal at the sole discretion of HDFC Bank Ltd.
Most Important Terms & Conditions
- *The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.
Active Lending Partners
- List of Active Lending Partners
Documents required to get you started
Identity Proof
Election/Voter's ID card
Permanent Driving licence
Valid Passport
Aadhaar card
Address Proof
Utility bill in the customer’s name
Property tax receipt in the customer’s name
Aadhaar card
Valid Passport
Income Proof
Bank statement for the last 6 months
Last 2 years ITR and complete set of financials for Self-Employed
Last 6 Months GST Returns
Latest ITR along with computation of income, Balance Sheet and Profit & Loss account for the previous 2 years, after being CA UDIN Certified/Audited
Proof of continuation (ITR/Trade license/Establishment/Sales Tax Certificate)
Business Loan – Frequently Asked Questions (FAQs)
1. What is a Business Loan?
A Business Loan is a financial solution designed to help businesses meet various funding requirements such as working capital, business expansion, machinery purchase, inventory management, office renovation, marketing, or other operational expenses.
2. Who can apply for a Business Loan?
Business Loans are available for:
- Sole Proprietorship Firms
- Partnership Firms
- Private Limited Companies
- LLPs
- Self-Employed Professionals
- Manufacturers
- Traders
- Retailers
- Service Providers
- MSMEs and Startups (subject to eligibility)
3. Is collateral required for a Business Loan?
Many Business Loan options are available without collateral or security, depending on the lender’s eligibility criteria, business profile, repayment capacity, and credit history.
4. What is the maximum Business Loan amount available?
The loan amount depends on your business profile, annual turnover, financial performance, credit score, and lender policies. Higher loan amounts may be available for eligible applicants.
5. What can I use a Business Loan for?
You can use the loan for:
- Business Expansion
- Working Capital
- Purchasing Machinery
- Buying Equipment
- Stock & Inventory
- Office Setup
- Marketing & Advertising
- Hiring Employees
- Cash Flow Management
- Technology Upgrades
6. What documents are required for a Business Loan?
Generally, lenders may ask for:
- PAN Card
- Aadhaar Card
- Business Proof
- Address Proof
- Bank Statements
- Income Tax Returns
- GST Returns (if applicable)
- Financial Statements
- Passport-size Photograph
Document requirements may vary depending on the lender.
7. What is the eligibility for a Business Loan?
Eligibility depends on factors such as:
- Business vintage
- Annual turnover
- Profitability
- Credit score
- Repayment history
- Business stability
- Financial documents
8. Does GARV FINCARE provide Business Loans directly?
GARV FINCARE is a loan assistance and financial solutions provider that helps eligible customers connect with trusted banks and financial institutions. Final approval, interest rates, loan amount, and terms are decided by the respective lending partner.
9. Can I apply for a Business Loan online?
Yes. You can submit your Business Loan enquiry online through GARV FINCARE. Our loan experts will review your requirements, guide you through the documentation process, and help you find a suitable lending partner.
10. Why should I choose GARV FINCARE for a Business Loan?
GARV FINCARE helps customers compare suitable loan options from multiple banking and financial partners. We provide:
- Expert Loan Assistance
- Multiple Lending Options
- Quick Documentation Support
- Transparent Process
- Personalized Loan Guidance
- Dedicated Customer Support
Apply for Business Loan Online at Lowest Interest Rate
Our Office
- Office NO. 218, 2nd Floor, Parsvnath Plaza | Delhi Road , Moradabad, India, 244001
- Phone No: +91 9837555021
- Email Id: garvfincare@gmail.com