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.
Apply NowCompare 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 as proprietor /partner/director of an existing business. |
| 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 50 lakhs per annum. |
| Business Vintage |
Must have a business that has been existing for at least 2 years. |
| Credit Score |
CIBIL score should be 650 or higher. |
| 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.
To process your Business Loan enquiry, you may be required to submit documents verifying your identity, business, income, banking, and business continuity. These documents help facilitate your loan application with participating Bank/NBFC partners and support the lender's evaluation process.
Below is the list of commonly required documents for your reference:
| Document Category | Documents Required |
|---|---|
| Identity & Address Proof (KYC) |
PAN Card (Mandatory) + Any One: Aadhaar Card / Passport / Voter ID / Driving Licence. |
| Photographs |
Recent Passport Size Photograph(s) of Applicant / Co-Applicant (if applicable) |
| Co-Applicant Documents |
KYC Documents + Income Proof (if required) |
| Business Proof |
GST Registration Certificate / Udyam Registration Certificate / Shop & Establishment Licence / Trade Licence / Partnership Deed / Certificate of Incorporation (as applicable) |
| Business Vintage Proof |
Documents showing business continuity, such as GST Returns / ITR / Business Bank Statements / Registration Documents (as applicable). |
| Banking Documents |
Last 6–12 Months Business Bank Statements |
| GST Documents |
GST Registration Certificate + Latest 1 Year GST Returns (GSTR-1 & GSTR-3B, if applicable) |
| Income Documents |
Latest 2 Years ITR with Computation of Income (if applicable) |
| Financial Documents |
Last 2 Years Profit & Loss Statement / Balance Sheet / Audit Report (if applicable) |
| Business Address Proof |
Electricity Bill / Rent Agreement / Ownership Proof / Property Tax Receipt (as applicable) |
| Existing Loan Documents |
Existing Loan Statement / Sanction Letter / Foreclosure Letter (if applicable) |
| Additional Documents |
Any other documents requested by the participating Bank / NBFC during the loan evaluation process |
Tip: Upload clear PDFs and ensure your name, IFSC, and account number are clearly visible on bank statements.
Getting Business Loan assistance is simple with AarneX FinServ. Submit your enquiry online and our team will help you understand suitable loan options based on your profile and eligibility.
Fill in your basic details such as name, mobile number, employment type, income, and loan requirement.
Our team reviews your profile details and helps identify suitable loan options from participating Bank/NBFC partners.
Share required KYC and income documents for application processing, as applicable.
Your application is evaluated by the concerned Bank/NBFC as per their credit policy and eligibility criteria.
After approval, verification, and completion of required formalities, the loan amount is disbursed by the respective Bank/NBFC.