Other Loans
Unsecured loans available for established businesses
Low-interest rates and easy repayment options
Business Loans – Grow Your Business with Confidence
We understand that every business has unique financing needs. Whether you need capital for working capital, expansion, or equipment, our business loans are designed to provide quick access to funds.
Loan Amount:
Flexible amounts based on your business’s needs
Interest Rates:
Competitive rates with flexible repayment options
Tenure:
Short and long-term loans available
Quick Disbursement:
Get funding quickly to fuel your business growth
Banks and finance providers have preset business loan eligibility criteria. To procure a commercial loan with the utmost ease, stick to the following eligibility criteria:
- Applicants must follow the RBI’s definition of Micro and Small Businesses.
- The sole purpose for obtaining a business loan (working capital, business expansion, or the purchase of machinery or equipment) must be specified.
- A personal guarantee is required. This will necessitate the main partner to act as a loan guarantor.
- The company must have been in operation in the same domain for at least three years.
- Financial papers, such as audited financial accounts, are unavoidable.
- Tax audit report (last 2 years).
- Bank statement of the business account (last 6 months).
The following business loan documents are mandatory to avail of a loan with utmost ease:
- Form and Photographs: Duly filled business loan application form and 2 passport size photographs.
- Proof of Identity: PAN card, passport, Voter ID card, MAPIN Card or driving licence.
- Residence Proof: Voter ID card, ration card, utility bills, including electricity bill, telephone bill, Aadhaar card or lease agreement.
- Age Proof: Voter ID card, Aadhaar card, PAN card or passport.
- Financial Documents: Income Tax Returns for the last 2 years, balance sheet audited by a certified Chartered Accountant (CA), profit and loss statement (2 years), along with a statement representing the business transaction.
- Proof of Income: Bank statement of business account as well as the personal account for the last two years.
- Proof of Business Ownership: Documents including the declaration of a sole proprietorship, a copy of the memorandum along with the articles of association will be required.
Balance Transfer Services – Save Money on Your Existing Loans
If you already have a loan and feel like you’re paying too much interest, our balance transfer services are here to help. Transfer your existing home loan or personal loan to us and enjoy lower interest rates and reduced EMIs.
Lower Interest Rates:
Transfer your loan to us at a lower interest rate and save money.
Flexible Terms:
Choose better repayment terms based on your needs.
Faster Processing:
Get approval and disbursement quickly to save more.
Save money by reducing your EMIs and interest.
No hidden charges, no surprises!
Better loan terms and repayment options
Easy process and quick approvals
The table given below details some of the basic eligibility requirements for obtaining a personal loan in India:
Age 21 years to 68 years
Employment Type
Salaried
Business Owners
Student
Retired
Home-maker
Self-employed professionals
Employment Status Should be employed or in business for minimum 2-5 years
Minimum Monthly Income Over Rs. 5,000
Work Experience 1 to 3 years and above
Credit Score 750 or more
Maximum Existing EMI Less than 65% of monthly income
We at Finactt are dedicated to making your loan disbursal process as easy and smooth as possible. You will need to submit a few documents to complete your loan application process. The process is not very paperwork intensive, however, the documents differ for salaried and self-employed individuals. Let’s take a look at the documents required for both these cases:
Common Documents
Given below are some of the common documents required for completing a personal loan application:
- Identity Proofs: Voter ID, Passport, Aadhaar Card, Driving License.
- PAN Card.
- Signature Proofs: PAN Card, Passport, etc.
- Address Proofs: Ration Card, Rent Agreement, Passport Copy, Aadhaar Card, Utility Bill, Voter ID Card.
- Bank account statement from last six months.
Salaried Individuals
Given below are the documents required for salaried people to complete their personal loan application:
- Salary slips from the last 3 months.
- Form 16 or ITR returns.
Self-Employed Individuals
Given below are the documents required for self-employed people to complete their personal loan application:
- P&L account and balance sheet from the previous 2 years.
- ITR from the last 2 years.
- Business Proofs, like GST Number, Registration Certificate, License.
- TDS Certificate, Income Tax Challans or Form 26 AS for declared income in ITR.
Quick processing and simple documentation
Secure your loan with residential or commercial property
Mortgage Loans & Loans on Property – Unlock the Value of Your Property
Leverage your property to get the funding you need. Whether for personal use or business growth, our mortgage loans help you access funds at affordable rates with long repayment tenures.
Loan Amount:
Borrow up to 70-80% of your property’s value
Interest Rates:
Competitive rates for secured loans
Tenure:
Flexible loan tenure options
Quick & Easy:
Low-interest rates with long tenures
To secure a LAP with utmost ease, you must cope with the lender’s loan against property eligibility criteria. You can also rely on a loan against property eligibility calculator to determine your eligibility for securing a loan. However, the property must be registered in the name of the loan applicant or other family member.
Here’s what you need to be prepared with:
Age Limit of the Applicant 21 to 65 years
Employment Status Salaried Professional, Self-employed Individual
Annual Income At least INR 3 lakh per annum
Work Experience 1 year to 5 years
LAP Interest Rate 9.8 percent to 16.50 percent per annum
Maximum Loan Amount 70 percent of the property’s market cost or to up to INR 7 crore
Credit Score Applicant must have a credit score above 750
Repayment Time Frame 15 years to 20 years at maximum
Following are the documents required for a loan against property:
- Bank account statement (last three months)
- PAN card and Aadhaar card
- Residence and identity proof
- Salary Proof (for salaried applicants)
- Scanned copy of property documents
- Income tax returns (last two years)
- Form 16
Banks In Our Network
Our Promise to You
Whether you are looking for a Business Loan, a Personal Loan, to transfer your existing loan, or need a Mortgage Loan, we’re here to help. Our team of experts guides you through the entire process, making it quick, easy, and hassle-free.
Trusted Partner
With over 500+ happy families and more than ₹5000 crores sanctioned, we pride ourselves on being a reliable partner in your financial journey.
Transparent Process
No hidden charges, no surprises—just clear, straightforward loan options.
Customer-Centric Approach
Your needs and satisfaction are our top priority. We’re here to guide you through every step of the loan process and beyond.
How It Works!
Take the first step toward your dream home by reaching out to us for a free consultation. Let Finactt Consultancy help you find the perfect home loan solution—whether you’re purchasing a new home, refinancing, or renovating.
Free Consultation
Start with a free consultation to understand your specific needs and loan requirements. Our experts will guide you through your options.
Customized Loan Solutions
We compare offers from over 70 financial institutions to ensure we find the right loan product with the best terms for you.
Quick Approval & Fast Disbursement
We prioritize quick approval and fast disbursement to ensure you receive the funds you need without unnecessary delays.