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 services to support your business growth and financial needs.

Unsecured Data

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

Flexible Data Cycles

Choose daily, weekly, or monthly repayment schedules.

Highly Competitive Rates

Rates from 9.5% p.a., with flexible options.

Rapid Fund Disbursement

Funds disbursed within 48-72 hours post-approval.

Financing for Businesses of All Sizes

Customized financing plans for businesses of all scales.

Startups & Micro-Enterprises

Ideal for new ventures and small businesses.

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

Large Corporations

For mature companies and large enterprises.

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

Small & Medium Enterprises

Suited for growing businesses with established operations.

  • 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 ideal financing solution for your business needs.

Starting from 10.0% annual interest rate

Inventory Financing

Acquire inventory, raw materials, or merchandise.

  • Flexible seasonal financing options
  • Pledge high-quality inventory as collateral
  • Fast Data Processing
From 9.5%

Working Capital Loans

Fund daily operations, bridge cash flow gaps, and meet short-term expenses.

  • Up to ¥100,000
  • Rapid Disbursement
  • Flexible Data Cycles
From 9.5%

Commercial Real Estate Loans

Acquire, construct, or renovate commercial property.

  • Up to 1 million RMB
  • Loan terms up to several years
  • Pledge commercial real estate as collateral
Starting from 11.5% annual interest rate

Startup Business Loans

Launch or expand your startup with dedicated financing programs.

  • Up to ¥50,000
  • Detailed business plan required
  • Professional mentor support
From 10.5%

Equipment Financing

Purchase or lease machinery, vehicles, and business equipment.

  • Up to 90% of equipment value
  • Pledge high-value equipment as collateral
  • Tax relief for eligible collateral
Starting from 9.8% annual interest rate

Invoice Financing

Access funds from outstanding invoices to improve cash flow.

  • Up to 90% of invoice amount
  • For creditworthy customers
  • Highly flexible terms

Business Loan Eligibility

Minimum Operating Years

6 Months*

*Unsecured loan term up to 3 years
Data Analytics

650+

Minimum Annual Revenue

¥50,000 Annual Revenue

Profitability

2 Years

Eligibility by Business Type:
  • Sole Proprietorship
  • Partnership
  • Private Limited Company
  • Limited Liability Company & Public Company

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

Information Required

  • 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.

Comprehensive Event Categories Data Interest Rate Range Data Processing Fee Data Scope Data Term
Working Capital Loans 9.5% - 12.5% annual interest rate 1% - 2% 10,000 - 500,000 6 - 36 months
Equipment Financing 10.5% - 13.5% annual interest rate 1.5% - 2% Up to 90% of equipment value 12 - 60 months
Startup Business Loans 11.5% - 15% annual interest rate 2% - 3% 5,000 - 50,000 12 - 36 months
Inventory Financing 10% - 13% annual interest rate 1% - 1.5% 80% of inventory value 3 - 12 months
Invoice Financing 9.8% - 12.8% annual interest rate 1% - 1.5% Up to 90% of invoice amount 30 - 180 days
Commercial Real Estate 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 GREENFIELD. 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

Business Loan FAQs

Frequently Asked Questions About Business Financing

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 Grow Your Business?

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

Call Business Hotline: +86 178 4149 3373 Contact Us