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Best Business Loans in India 2025 - Collateral Free Up to ₹1 Cr

Grow your business with LoanPao’s collateral-free loans at rates from 8.25% p.a., fast approvals in 24-48 hours for SMEs and startups. Apply now!

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Collateral Free Business Loans in India 2025

LoanPao’s business loans support SMEs and startups with collateral-free options like MSME loans, working capital loans, and Mudra Yojana. With India’s SME sector growing at 15% annually in 2025, our loans offer rates from 8.25% p.a., flexible tenures up to 15 years, and tax benefits under Section 36(1)(iii). Partnered with 250+ RBI-compliant lenders like SBI, HDFC, and IDFC, we ensure fast approvals and minimal paperwork.

Key Features of Business Loans

  • Loan Amount: Up to ₹50 crore (collateral-free up to ₹1 Cr).
  • Interest Rates: Starting at 8.25% p.a. for secured, 10% p.a. for unsecured.
  • Tenure: Up to 15 years for affordable EMIs.
  • Tax Benefits: Deduct interest as business expense (Section 36(1)(iii)).
  • Digital Process: Apply online with e-KYC and instant pre-approvals.

Whether expanding your startup or managing cash flow, LoanPao’s experts provide tailored solutions compliant with RBI guidelines. Apply now to fuel your business growth!

Business Loan Interest Rates 2025

Compare rates from top lenders, starting at 8.25% p.a. Rates depend on credit score, turnover, and loan type (secured or unsecured).

Lender Interest Rate (p.a.) Processing Fee
SBI 8.25%–10.50% 0.5%–1%
HDFC Bank 8.50%–11.00% Up to 1%
ICICI Bank 8.50%–11.25% 0.5%–1.5%
IDFC FIRST Bank 13.5%+ Up to 2%

Loan Comparison Tool

Our Loan Comparison Tool lets you compare rates, tenures, and fees from 250+ lenders in real-time. Enter your business details to find the best deal.

Compare Now

Why Choose LoanPao?

LoanPao offers tailored business loans with over 250 trusted lenders, seamless digital applications, and 24/7 support. Our experts ensure transparency and compliance with RBI guidelines.

Low Rates

Competitive rates starting at 8.25% p.a.

Quick Approvals

Approvals within 24–48 hours.

Trusted Partners

250+ banks and NBFCs.

Eligibility Criteria

Check if your business qualifies for a LoanPao loan:

  • Business Age: 2+ years.
  • Turnover: ₹10 lakh+ annually.
  • Credit Score: 700+ for better rates.
  • Documents: GST returns, ITR (2 years), bank statements (6 months), PAN, Aadhaar.
  • Tip: Higher turnover improves loan amounts and rates.
Check Eligibility

Application Process

Apply for your business loan in 5 easy steps:

  1. Submit online application on LoanPao’s platform.
  2. Provide business details, turnover, and documents.
  3. Get pre-approved offers from lenders.
  4. Complete verification (financial and legal).
  5. Receive funds in 3–10 days.
Apply Now

EMI Calculator

Use our EMI Calculator to estimate monthly payments and total interest based on loan amount, tenure, and rate.

Calculate EMI

Market Insights

RBI’s repo rate cut to 5.50% in 2025 has reduced business loan rates, boosting SME growth by 15% annually. Read more in our blog.

Testimonials

“LoanPao helped my startup get ₹25 lakh at 9% p.a. in just 2 days!”

Rahul Sharma, Mumbai

“Excellent service! Secured ₹40 lakh for expansion with minimal paperwork.”

Anita Verma, Bangalore

Frequently Asked Questions

LoanPao offers secured and unsecured business loans, including term loans, working capital loans, and machinery loans.

Rates start at 8.25% p.a. for secured loans and 10% p.a. for unsecured loans.

Approvals in 24–48 hours, disbursal in 3–10 days via 250+ lenders.

Minimum ₹10 lakh turnover, 2+ years business age, 700+ CIBIL score, GST returns, ITR, PAN.

Up to ₹50 crore, based on turnover and credit profile.