Unsecured Business Loan
Larger loans based on your GST returns and bank statements, compared across lenders and disbursed in 3–5 working days.
Business loan eligibility
What we check before sending your application to lenders. None of these is a strict cut-off on its own.
Annual turnover
₹50 lakh or more, as shown in your GST returns.
GST filing
At least 2–3 years of returns filed under the same GSTIN, on time for the last 12 months.
Business vintage
3 years or more since incorporation, shown by your registration certificate or trade licence.
Existing EMIs
Your last 6 months' bank statements, to check that current EMIs and overdrafts are paid on time.
Not sure how much your business can raise? We'll find out for you.
Share your GST returns and bank statements. We'll check them against each lender's criteria and tell you the loan amount you can expect.
Business loan documents
Grouped by type, most of it paperwork you already have on file.
Identity
Business
Financial
Banking
How a business loan works
On a call or on WhatsApp, with your GST returns, bank statements and ITR.
We study your documents and shortlist the lenders best suited to your business.
Every form and every follow-up with lenders, taken care of.
The loan is sanctioned, we go over the terms with you, and the money is credited to your account.
Deal stories
"We needed ₹1 Cr for expansion, but the bank was offering only ₹50 lakh."
Yoddha Capital got our application assessed on turnover, not just collateral, and got us ₹1.2 Cr, disbursed in time for our festive-season order.
"Demand jumped mid-quarter and our existing lender would not reconsider."
Yoddha Capital took our application to a different lender, and had it sanctioned and disbursed inside a week.
"We needed to fund a stockist expansion our lender was not willing to revisit."
Yoddha Capital found us a new lender, unsecured, and got it disbursed for our stockist network expansion across two states.
Business loan FAQs
No. An unsecured business loan is based on your turnover, bank statements and repayment history, with nothing pledged as security. If you do own property and want a larger amount at a lower rate, a loan against property is the other route. We check your profile for both before recommending either.
It depends on your turnover, how long your business has been running and your existing loans. Use the funding calculator for an estimate, or share your documents and we will work out the actual amount.
PAN and Aadhaar, your GST certificate, the last 2 years' ITR, and 6 months of bank statements. The full checklist is above.
Most approved loans are disbursed in 3 to 5 working days once your documents are complete. Timelines vary with the lender and how quickly verification is done.
We are upfront about our fee structure before you commit to anything. Nothing is deducted without your sign-off first.
Early-stage eligibility checks are typically soft checks and do not affect your score. A hard enquiry only happens once you choose to move forward with a specific lender's application.
Ready when you are
Share your file and we'll come back with the number your business can actually raise.
Response within one working day.
