Overview of Business Loan in Ghaziabad
Business loans in Ghaziabad empower entrepreneurs and SMEs in commercial hubs like Sahibabad, Raj Nagar, and Indirapuram to fund expansion, working capital, or equipment purchases. In 2025, lenders like SBI, HDFC, and Bajaj Finance offer business loans with interest rates starting at 10% p.a. and loan amounts up to ₹50 crore (secured) or ₹75 lakh (unsecured). Loanpao helps Ghaziabad business owners compare offers, check eligibility, and apply for tailored business loan solutions.
Eligibility Criteria for Business Loan in Ghaziabad
| Criteria | Details |
|---|---|
| Applicant Type | Proprietors, partnerships, Pvt. Ltd. companies, or LLPs |
| Age | 21 to 65 years |
| Business Vintage | Minimum 2 years |
| Annual Turnover | Minimum ₹10 lakh |
| Credit Score | Minimum 650 |
| Collateral | Optional (secured loans require property or assets) |
Documents Required for Business Loan in Ghaziabad
- Identity Proof: PAN Card, Aadhaar Card of proprietor/partners.
- Address Proof: Aadhaar Card, utility bill, or rental agreement.
- Business Proof: GST certificate, shop license, or Udyam registration.
- Financial Documents: ITR (last 2 years), profit & loss statement, balance sheet.
- Bank Statement: Last 6 months of business account.
- Collateral Documents: Property papers (for secured loans).
Benefits of Business Loan in Ghaziabad
- Interest rates starting at 10% p.a. in 2025.
- Loan amounts up to ₹50 crore (secured) or ₹75 lakh (unsecured).
- Flexible repayment tenure up to 7 years (unsecured) or 15 years (secured).
- Funds for expansion, working capital, or equipment purchase.
- Quick disbursal within 3-7 days for approved applications.
Factors Affecting Business Loan in Ghaziabad
Interest Rate
Rates range from 10% to 18%, based on credit score, business turnover, and loan type (secured/unsecured).
Business Turnover
Higher turnover (above ₹10 lakh) improves loan amount and terms.
Credit Score
A score above 650 ensures better rates and faster approval.
Collateral
Secured loans with property or assets offer higher amounts and lower rates.
How to Apply for a Business Loan in Ghaziabad
Follow these steps to apply for a business loan in Ghaziabad through Loanpao:
- Visit loanpao.in and select "Business Loan in Ghaziabad."
- Fill out the online application with business and personal details.
- Upload required documents (identity, business, financials).
- Submit the application and get approval within 3-7 days.
- Receive funds in your business account post-verification.
Loan Eligibility for Business Loan in Ghaziabad
Check your eligibility for a business loan in Ghaziabad with Loanpao’s eligibility tool:
- Enter business details (turnover, vintage, industry).
- Provide personal details (credit score, income).
- Upload financial documents for instant verification.
Loanpao will assess your eligibility and suggest the best business loan offers in Ghaziabad.
Check Eligibility NowTrack Your Business Loan Application in Ghaziabad
Loanpao provides a seamless tracker for your business loan application:
- Submit your application ID on the Loanpao Tracker page.
- Get real-time updates (e.g., verification, approval, disbursed).
- Receive notifications for disbursal updates in Ghaziabad.
- Contact Loanpao support for assistance with delays.
Business Loan Comparison in Ghaziabad
Compare business loan offers from top lenders in Ghaziabad:
| Lender | Interest Rate | Loan Amount | Tenure | Processing Fee |
|---|---|---|---|---|
| SBI | 10% p.a. | Up to ₹50 crore | Up to 15 years | Up to 0.5% of loan amount |
| HDFC | 10.5% p.a. | Up to ₹40 crore | Up to 12 years | Up to 0.75% of loan amount |
| Bajaj Finance | 11% p.a. | Up to ₹75 lakh | Up to 7 years | Up to 1% of loan amount |
Frequently Asked Questions
A business loan in Ghaziabad is a financial product for SMEs and entrepreneurs to fund expansion, working capital, or equipment purchases.
Interest rates start at 10% p.a., depending on the lender, business profile, and loan type.
Approval typically takes 3-7 days, with disbursal within 7-10 days post-verification.
Collateral is optional; unsecured loans are available up to ₹75 lakh, while secured loans require property or assets.
Loan amounts can go up to ₹50 crore for secured loans or ₹75 lakh for unsecured loans.
Yes, most lenders allow early repayment with minimal or no prepayment charges for floating-rate loans.
Top lenders include SBI, HDFC, and Bajaj Finance in Ghaziabad.
Yes, Loanpao offers a fully online application process for business loans in Ghaziabad.
Processing fees range from 0.5% to 1% of the loan amount, depending on the lender.
Yes, schemes like PMMY and CGTMSE are available for eligible businesses in Ghaziabad.