Business Loan
Unsecured term loans from ₹5 Lakh to ₹1 Crore for shops, traders, and small manufacturers with at least a year in business. Stretched over flexible repayment terms.
Grow Operations→
Elevating Businesses with flexible, collateral-free funding
Grow with Kite Finance. Your micro, small, medium enterprise today will be a large corporate tomorrow. Avail up to ₹1 Crore for MSMEs without collateral in under 29 hours.
Our Credit Offerings
How can we help your business?
Borrowing options built around how your business actually flows. Whether you swipe cards daily or have a busy season around the corner, we have you covered.
Explore all products
Working Capital
A revolving credit line that flexes with your cash-flow cycle. Keep your inventory fully stocked and suppliers paid instantly without blocking funds.
Stock Inventory→
Loan Against POS
Short-term credit against card-machine sales, repaid automatically from daily settlements. No EMI-day stress, allowing you to focus on selling.
Ease Cash Flow→
Invoice Financing
Turn unpaid invoices into instant cash. Get up to 90% of your invoice value upfront to bridge cash gaps and manage supplier terms seamlessly.
Unlock Cash→
…and more
From invoice financing to seasonal top-ups, we tailor the structure to how your business actually earns. Flexible rates custom to your revenue.
Funding that's fast & flexible
Get on-demand access to a revolving line of credit
Funds available on demand
Draw cash to your account instantly whenever your business needs it.
Available Limit
₹35,00,000
Drawn Balance
₹15,00,000
Simulate withdrawal amountTotal Limit: ₹50L
● Disburses instantlyRevolving line of credit
Pay for what you use
Only pay interest on the amount you withdraw. The rest of your credit line is free to hold.
Drawn: ₹15L₹555/day interest
Unused: ₹35L₹0/day interest
Zero charges on idle funds
Access to collateral-free credit
Get business credit without pledging property, assets, or security.
Property Mortgage✕ Not Required
Gold or FD Pledge✕ Not Required
Personal Assets✕ Not Required
Financing that grows with you
Your credit limit automatically scales up as your business grows and repays.
₹10 LakhMonth 1
₹30 LakhMonth 6
₹1 CroreMonth 12
Apply in 4 simple steps
01
Submit Documentation
Fill the application & upload matching documents
02
Receive Your Sanction Offer
After assessment, verify options to match your budget/purpose
03
Complete Agreement Process
Ensure standard documentation checks and sign transaction agreement
04
Fuel Your Business Growth
Following checklist, funds will be deposited directly into your account.
Terms we offer*
Loan Amount
₹10 Lakhs to ₹1 CroreInterest Rates**
Starting from 15% p.a.
Loan Tenure
1 month – 48 months
Pre-Closure Fee***
₹0/-•* Available after payment of first EMI, subject to applicable terms
•** Final interest rate determined based on business profile, revenues and credit assessment
•*** Pre-closure charges, if any, shall be disclosed in the Key Fact Statement and sanction letter
Who can Apply?
Eligibility & Documentation
Verify co-founders
co-applicants/directors identification documentation
Financial History
bank statement records for all operational accounts
Tax Compliance
current status & documents verification
Business Presence
details on physical address / operational facility or registered office
Ready to grow?
Apply in ten minutes, get verified fast, and put working capital in your account within 72 hours.
No collateral for most loans · Processing fee stated upfront