Grow Your Business

Fuel Your Business Growth with Flexible Financing

Get business loans up to $500,000 with competitive rates starting from 9.5% p.a. Quick approval, flexible repayment, and dedicated business banking support for your entrepreneurial journey.

Funding Calculator Check Eligibility
Business Loan

Why Choose Our Business Loans?

Tailored solutions designed to support your business expansion and financial objectives.

Unsecured Data

Unsecured loans up to ¥100,000 for established businesses.

Flexible Data Cycles

Choose from daily, weekly, or monthly repayment schedules.

Competitive Interest Rates

Starting at 9.5% annual interest with flexible repayment options.

Rapid Fund Disbursement

Funds disbursed within 48-72 hours post-approval.

Financing Solutions for Every Business Stage

Customized financing plans for businesses of all sizes.

Startups & Micro-Enterprises

Ideal for new ventures and small enterprises.

  • Loan: ¥10k - ¥100k
  • Rate: 11% - 15% p.a.
  • Collateral: None

Large Corporations

Designed for established companies and larger enterprises.

  • Loan: ¥500k - ¥5M
  • Rate: 8.5% - 10% p.a.
  • Collateral: Required

Small to Medium Enterprises

Suitable for growing businesses with a proven track record.

  • Loan: ¥100k - ¥500k
  • Rate: 9.5% - 12% p.a.
  • Collateral: Partial Required

Business Funding Calculator

Calculate how much funding your business can get

50,000 500,000 5,000,000
10,000 100,000 500,000

Your Funding Options

Maximum Eligible Funding

$0
Based on business profile
Monthly EMI $0
Processing Fee $0
Total Interest $0
Total Repayment $0

Eligibility based on 25% of annual revenue, business age, and type. Collateral may be required for higher amounts.

Types of Business Loans

Select the right financing solution for your business needs.

Starting at 10.0% p.a.

Inventory Financing

Acquire inventory, raw materials, or merchandise.

  • Seasonal cash flow solutions
  • Leverage your inventory
  • Fast Data Processing
From 9.5%

Working Capital Loans

Fund daily operations, manage cash flow gaps, and cover short-term expenses.

  • Up to ¥100,000
  • Fast Funding
  • Flexible Data Cycles
From 9.5%

Commercial Real Estate Loans

Purchase, construct, or renovate commercial properties.

  • Up to 1M
  • Longer repayment periods offered
  • Secured by real estate assets
Starting at 11.5% p.a.

Startup Loans

Launch or expand your startup with dedicated financing options.

  • Up to ¥50,000
  • Requires a comprehensive business plan
  • Mentorship
From 10.5%

Equipment Financing

Purchase or lease machinery, vehicles, and business equipment.

  • Secure financing covering up to 90% of your essential equipment acquisition.
  • Secured by business assets
  • Potential tax advantages available
Starting at 9.8% p.a.

Invoice Financing

Access funds from outstanding invoices early to improve cash flow.

  • Unlock working capital with loans based on up to 90% of your outstanding invoice value.
  • For clients with strong credit
  • Flexible Terms

Business Loan Eligibility

Minimum Operating Years

6 Months Minimum

*Unsecured loans are for 3 years
Data Analysis

650+

Minimum Annual Revenue

¥50,000 Annual Revenue

Profitability

2 Years Minimum

Eligibility by Business Type:
  • Sole Proprietors
  • Partnerships
  • Private Limited Companies
  • LLCs & Public Companies

Startups may qualify with a robust business plan and founder investment.

Required Information

  • PAN Card of Business & Partners
  • Address Proof of Business Premises
  • KYC Documents of Promoters/Partners
  • Photographs of Promoters/Partners

  • Business Registration Certificate
  • GST Registration Certificate
  • MOA & AOA (for companies)
  • Trade License/Shops Act Registration

  • Audited Financials (last 2-3 years)
  • ITR of Business & Partners (last 2-3 years)
  • Bank Statements (last 6-12 months)
  • Projected Financial Statements

Business Loan Interest Rates

Competitive rates determined by business profile and loan type.

Sport Categories Data Interest Rate Range Data Processing Fee Data Scope Data Tenure
Working Capital 9.5% - 12.5% p.a. 1% - 2% 10,000 - 500,000 6 - 36 months
Equipment Financing 10.5% - 13.5% p.a. 1.5% - 2% Financing up to 90% of equipment value. 12 - 60 months
Startup Financing 11.5% - 15% p.a. 2% - 3% 5,000 - 50,000 12 - 36 months
Inventory Financing 10% - 13% p.a. 1% - 1.5% Up to 80% of inventory value 3 - 12 months
Invoice Financing 9.8% - 12.8% p.a. 1% - 1.5% Access funds up to 90% of invoice value. 30 - 180 days
Commercial Property Loans 9.5% - 11.5% p.a. 1% - 2% 50,000 - 1,000,000 5 - 20 years

Interest rates vary based on business credit score, financial health, collateral, and relationship with 绿茵体育. Existing clients and financially sound businesses may qualify for lower rates.

Apply for Business Loan

Fuel your business growth with our flexible financing solutions

Our business banking specialist will contact you within 24 hours to discuss your funding needs

Frequently Asked Business Loan Questions

Your Business Loan FAQs

For complete applications with all documents, we typically approve business loans within 3-5 working days. Working capital loans can be approved within 48 hours for eligible businesses. Disbursement happens within 24-48 hours after approval and documentation completion.

Yes, we have specialized startup business loans. Startups need a strong business plan, promoter investment of at least 20-25%, and sometimes collateral or personal guarantees. We also consider factors like founder experience, market potential, and innovation. We offer mentorship along with financing for promising startups.

Yes, business loan interest is tax-deductible as a business expense under Section 37(1) of the Income Tax Act. The entire interest paid during the year can be deducted from your business income. Additionally, if the loan is used for business expansion, certain deductions may apply. We recommend consulting with your tax advisor for specific benefits.

Yes, we allow prepayment of business loans. For floating rate loans, you can prepay after 6 months with a nominal charge of 1-2% on the outstanding amount. No prepayment charges apply after 12 months. For fixed rate loans, prepayment charges of 2-3% may apply if prepaid within the first 2-3 years.

We prefer a credit score of 650 or above for business loans. However, we consider businesses with scores between 600-650 on a case-by-case basis, especially if they have strong business financials, collateral, or are in specific industries. For startups, we focus more on the business plan and promoter profile.

It depends on the loan amount and business profile. For loans up to $100,000, established businesses with good financials may qualify for unsecured loans. For higher amounts or startups, collateral (property, equipment, inventory, or guarantees) is typically required. We also offer collateral-free loans under government schemes for eligible businesses.

Ready to Scale Your Business?

Our corporate banking experts are ready to help you find the most suitable financing solution for your business needs.

Call our Business Line: +86 178 4149 3373 Contact Us