Business Loan
Working Capital Loan
Working Capital Loans are finance designed to maintain healthy routine cash flows with unsecured finance to strengthen and grow your business without disruptions
SME and MSME Loan
Small and Medium Enterprises are now in a position to expand operations, and scale business heights easily with SME and MSME Loans.
Self Employed Professional Loan
Professionals such as Doctors, Chartered Accountants, and Architects are people who have little time at hand to attend to their professional finance needs. Hence, Self Employed Professional Loans are loans designed suit such a Professional's financial requirements.
Plant and Machinery Loan
You can install and upgrade your business plant and machinery to the latest standards to meet your growing business needs with plant and machinery or equipment loans.
Business Loan for Women
Especially designed for the women entrepreneurs, Business Loans for Women offer high-value finance to support growing business needs of women.
Micro Business Loan
Small business loans are a way to finance small requirements, and as such are designed to be repaid in shorter loans periods to suit your needs.
Volatile market trends and increasing business needs cause demand for urgent immediate cash-in-hand. A Business Loan designed for this purpose gives you the advantage to avail unsecured credit at competitive interest rates. Whether you plan to invest in infrastructure investment or upgrade plant and machinery, a Business Loan caters to all your commercial needs.
Different types of loans
Affordable High-Value Capital
Well-known banks and NBFCs offer easy and quick short-term, medium-term, and long-term business loans as an ideal finance solution for your enterprise.
Flexi Loans
Withdraw only what you need and repay to suit your business fund flows at nil or low prepayment charges. You only pay interest on EMIs for the initial period of the loan and interest is charged only on the amount withdrawn.
Hassle-Free Quick Unsecured Loans
Business Loans are unsecured loans approved in 48 hours, which come to you with easy eligibility, and just a few documents.
Multi-Purpose End-Usage
Whether you're looking for investment in infrastructure, expansion in operations, purchase of equipment or inventory, or working capital needs, you have the advantage to seek a multi-purpose business loan, all in one place.
Collateral-Free
Business Loans are collateral-free, for which your personal or business assets are not put to risk, and since this means no appraisals of assets for valuation, you have the quick approval and disbursal advantage.
Online Account Access
You're simply free with the convenience of access to your business loan account for your loan statements and other details so that you can manage your loan from anywhere at any time.
What Makes You Choose Us
At B perfect fin, we are committed to making life and business effortless for you. We are keen to assist you in your quest to be a 'Successful Entrepreneur'. Our uncomplicated, competent, and professional business loans process makes us exclusive. Trust us, you'll thank your stars that you're with us!
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Easy Availability : We along with significant 100+ partner Banks across India spread over 1000+ locations extend Business Loan to all eligible individuals across India.
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​High-Speed Process : Aadhar based e-KYC speeds up the documentation process by eliminating physical paperwork. You can obtain a Business Loan with minimal documentation in no time. ​
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Professional Guidance and Advice : Experts knows the ins and outs of the business. Our committed group of individual specialists will guide you to pick the right lender.
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Profit from Best Offers : We esteem our clients and are consistently on our toes to give them advantages of our abilities. Applying for Business Loan through us gives you an opportunity to benefit from the best offers and agreements our Partner Banks and NBFCs have on offer.
Business Loan Balance Transfer
The Business Loan Balance Transfer is a process of transferring the outstanding balance of your business loan at your high cost from your existing bank to a new bank of your choice offering you a low cost. Business Loan Balance Transfer can be undertaken to reduce your EMIs by moving over to a lender who offers you a lower rate of interest or you can also choose to authorize such transfer if you are dissatisfied with the services of your current lender.
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Business Loan Balance Transfer
Better Rate of Interest
Easy Terms and Conditions
Extended Loan Tenure
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Benefits of Business Loan Balance Transfer Benefits
Lower Rates of Interest
A balance transfer allows you to transfer your debt to a bank charging you a lower rate of interest than your current lender. Resultantly, you enjoy better rates and reduced EMIs.
Save More
A balance transfer facility, which offers you a lower rate of interest, eventually materializes into decreased EMI payments. Thus you save a huge amount by paying lower value EMIs
Better Service
Lenders offer you better services in terms of processing fees, waivers, last EMIs, etc. You might even find well-known lenders offering you better services, and customize your transfer facility accordingly.
Balance Transfer
Top Up Loan on Business Loan
Times arise when extra funds for multi-purpose uses are required when you have taken a business loan. Business loans give you access to funds for business purposes such as working capital, technological advancement, operations scale-up, etc. A top-up business loan on the other hand gives you the opportunity to avail extra funds over and above your existing business loan. A top up loan allows you to unburden your business by availing funds directly from your lender instead of making multiple loan applications for funds. As an alternative to multiple debt requests, you simply have to request for a top up loan from your lender. Offers from NBFCs and Banks allow you the benefits of low interest rates, longer loan tenures, and quick processing for approval and disbursal of funds. This proves to be a one-stop solution for quick funds in emergencies.
Eligibility Criteria for a Business Loan Top Up
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You will be offered a top up business loan by your lender only when you have an existing outstanding business loan.
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Availing a top up business loan requires that you complete a stipulated period of paying a prescribed amount of your business loan.
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You are required to possess a good track record of repayments without overdue EMIs, and without missing EMI payments.
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The vintage or your business or your business should have been running for a stipulated period with a stable outlook.
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For eligibility to a top up business loan, a good credit score reflects a degree of the capacity to repay loans, and thus you will have to show a good credit score.
Documents Required for Business Loan
Documents required for a Business Loan application are more or less the same, but may differ based on your Business Loan plan, the purpose of your loan, your individual credit profile, etc.
Identity Proof
01. Aadhaar Card
02. PAN
03. Voter ID
04. Passport
05. Driving License
Age Proof
01. Any of the above Identity Proof with Permanent Address
02. Birth Certificate
03. Bank Passbook
Residence or Address Proof
01. Electricity Bill
02. Telephone Bill
03. Post-Paid Mobile Phone Bill
04. Water Tax Receipt
05. Property Tax Receipt
06. LIC Policy Receipt
07. Recognized Public Authority Verification Letter
Property Documents
01. Sale Deed
02. Stamped Agreement of Sale
03. Allotment Letter
04. No Objection Certificate or NOC
05. Housing Society
06. Builder
07.Possession Certificate
08. Land Tax Receipt
09. Construction Cost Estimate.
10. Bank Account Statement of Payment Made to Seller or Builder
11. Occupancy Certificate
12. Sanction Plan
Additional Documents
Additional Documents Required for Salaried and Self-Employed Individuals
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Form 16 for last 2 years.
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Employee Identity Card
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Increment or Promotion letter, if applies recently.
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3 Months Salary Slips
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12 Month Salary Bank Account Statement
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Duration of Employment Evidence
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Appointment Letter
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Confirmation Letter
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Promotion Letter
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Increment Letter
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2 Years IT Returns with computation of income statement.