Business loan solutions can help you scale your operations and unlock new growth opportunities. Whether you’re expanding your reach or strengthening your cash flow, applying for business loans online can support your evolving working capital needs.
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Compare your existing loan with an indicative alternative repayment scenario to estimate potential monthly savings. Actual loan approval, interest rate, and EMI are determined solely by the respective lending institution.
Understanding the eligibility criteria is the first step towards a successful business loan application. You can use our business loan eligibility calculator to get a quick estimate of the loan amount you may be able to borrow. This helps you plan your finances better and take proactive steps to strengthen your application, if needed.
Now, let’s take a closer look at the key eligibility requirements at AarneX FinServ.
| Eligible Entities | Must be self-employed with their own business or proprietor /partner/director of an existing business. |
| Nationality | Must be a resident Indian |
| Age Criteria | The age should be between 21 - 65 years (not more than 65 at the time of loan maturity). |
| Turnover | Minimum annual turnover should be INR 10 lakhs per annum, and profit after taxes should be INR 2 lakhs per annum. |
| Business Experience | Must have a business that has been existing for at least 3 years, with stable income and profits for the past 2 years. |
| Credit Score | CIBIL score should be 725 or higher. |
| Nationality | Must be a resident Indian |
| Nationality | Must be a resident Indian |
*Please note that this is only the basic eligibility criteria for business loans. The final eligibility will depend on several factors, including AarneX FinServ’s policy at the time of loan application.
At AarneX FinServ, we understand that every business has unique financial requirements. We offer a variety of tailored loan solutions to support enterprises across different sectors, allowing business owners to select the option that best aligns with their goals and capital needs.
Below are the different types of business loans we offer:
At AarneX FinServ, we support and empower women entrepreneurs by offering competitive interest rates on business loans. These flexible loan solutions are designed to help women scale their businesses smoothly and confidently.
We offer tailor-made online business loan solutions for medical professionals. Doctors can borrow amounts of up to INR 75 lakhs* to support operations for their clinic or nursing home. With speedy loan processing and flexible loan tenures, medical entrepreneurs can grow or upgrade their practice efficiently.
We extend customised, collateral-free business loan solutions for chartered accountants. Our seamless digital lending process makes it possible for CAs to get swift access to funds for a variety of causes, like office expansion, renovations, or recruitment.
We understand the unique needs of a manufacturing business and how it may need consistent funding to effectively manage operations. Hence, we offer quick business loans for manufacturers which can be used to cover expenses like overheads, equipment upgrades, raw material procurement, and inventory replenishment.
Our business loan solutions for self-employed professionals are designed to support both short- and long-term capital requirements, with an easy online application process.
A working capital loan helps businesses meet their immediate financial obligations, like salaries, utility bills, or rent. AarneX FinServ’s efficient approval and disbursement processes help businesses ensure smooth, uninterrupted day-to-day operations.
We offer substantial, collateral-free loans of up to INR 75 lakhs* to MSMEs and SMEs. These loans are designed to help micro, small, and mid-sized businesses scale their operations without compromising their cash flows.
Our quick and easy machinery loans can help you purchase or upgrade to the latest equipment. Boost your production capacities by securing a machinery loan with flexible repayment tenures of up to 60 months* and competitive interest rates.
AarneX FinServ offers competitive business loan interest rates for eligible enterprises. These rates are influenced by various factors, such as business cash flow, location, creditworthiness, profitability, and so on.
Here’s a quick overview of the applicable fees and charges when applying for our business loan online:
| Business Loan Interest Rate | Minimal and competitive (depending upon several factors such as net income, business stability, location, collateral, existing monthly obligations, etc.) |
| Loan Amount | Up to INR 65 lakhs* |
| Loan Tenure | Up to 60 months* |
| Processing Fee | Up to 2.75% of the total loan amount + GST |
| Late Payment Charges (Applicable for Payment Default) | 2% per month (24% per annum) on overdue amount calculated on day to day basis payable from the relevant due date till date of actual payment. |
| Cheque/ECS/ Dishonoured Charges - Per Dishonour of the Cheque Per Presentation | INR 500 |
| Loan Cancellation Charges (Loan Cancelled Before First EMI) | INR 1000 + GST |
| Organisation Type | Organisation Type |
*Please note that this is only the basic eligibility criteria for business loans. The final eligibility will depend on several factors, including AarneX FinServ’s policy at the time of loan application.
Along with your online business loan application, you’ll be required to submit documents that serve as proof of your identity, age, address, income, and business continuity. These business loan documents help us validate crucial information, allowing us to present a tailored offer that aligns with your financial profile and business needs.
Here is a list of the basic documents required for your quick reference:
Tip: Upload clear PDFs and ensure your name, IFSC, and account number are clearly visible on bank statements.
Applying for a business loan online is now faster, easier, and completely paperless. With AarneX FinServ, you can enjoy a seamless digital application process that lets you apply from anywhere—no need to visit a branch or deal with lengthy paperwork. Whether it’s an urgent expense or a planned financial need, AarneX FinServ ensures quick processing and approval, helping you access funds within just 1 hour.
Enter your personal, employment, and income details in the online loan application form.
Submit your KYC and income documents securely through the online platform.
The system evaluates your eligibility based on income, credit score, and repayment history.
Eligible applicants may receive quick approval within a short time.
Once approved, the loan amount is disbursed directly to your bank account.