• Phone:

    +91 7860010011

  • Email:

    contact@relookcapital.com

  • Office Address: B-2 , 2/91, Vibhuti Khand.
    Gomti Nagar.Lucknow-226010. UP

  • Registered Address : 204, Prem Vihar . Sector 62. Noida. Pin -201309. UP

Unsecured Business Loan

In the journey of every business, securing the right funding is essential for sustainable growth and success. However, obtaining loans—especially unsecured business loans—can often seem like a daunting task.

At Relook Leasing & Finance Pvt. Ltd., we’re here to make business financing simple, fast, and accessible. With our online business loan services, you can easily apply from the comfort of your home or office, without the need to visit a branch. Our goal is to eliminate the traditional hassles and help you focus on what matters most — growing your business.

0.25% to 2% of Loan Amount

Loan Processing Fees

Nill

Loan Cancellation

As per actual

Legal Fees

Nill to 4% (According to bank /NBFC)

Foreclosure

Service Benefits – Unsecured Business Loan

  1. Collateral-Free Funding:
    1. Get access to business finance without pledging any property, equipment, or other assets. This makes the loan process faster, simpler, and stress-free.
  2. Quick Approval & Disbursement:
    1. Our streamlined digital process ensures minimal documentation, faster evaluation, and prompt release of funds to meet urgent business needs.
  3. Flexible Loan Amounts:
    1. Choose the funding amount that best suits your requirements — from a small working capital boost to higher amounts for expansion.
  4. Competitive Interest Rates:
    1. Enjoy attractive and affordable interest rates, helping you manage repayments comfortably while maintaining healthy cash flow.
  5. Hassle-Free Online Application:
    1. Apply from anywhere with our easy-to-use online platform, eliminating the need for branch visits or extensive paperwork.
  6. Inclusive Eligibility:
    1. Designed to support a wide range of businesses, from startups to established MSMEs, making financing accessible to more entrepreneurs.
  7. Builds Creditworthiness:
    1. Timely repayments improve your business credit profile, helping you qualify for larger funding in the future.

Eligibility Criteria for Unsecured Business Loan

At Relook Leasing & Finance Pvt. Ltd., we offer hassle-free Unsecured Business Loans to empower entrepreneurs and growing businesses. Please review the eligibility requirements before applying:

Age Limit:

Applicants should be 21 to 65 years old at the time of application, and the loan must mature before the borrower turns 65.

Business Type:

Available for self-employed professionals, proprietors, partnership firms, and private limited companies engaged in manufacturing, trading, or service sectors.

Business Vintage:

Your current business must have been operational for at least 3 years, with the applicant having a total business experience of 5 years or more.

Annual Turnover:

Minimum annual turnover of ₹30 lakhs to demonstrate adequate repayment capacity.

Credit Score:

Preferred credit score of 750+. However, we also evaluate the overall credit history and repayment track record.

Documentation:

Valid KYC documents, business registration proof, bank statements, and income proofs are required for processing your application.

Check Eligibility Now

Documents Required for Unsecured Business Loan

To process your Unsecured Business Loan application at Relook Leasing & Finance Pvt. Ltd., please ensure the following documents are submitted:

  • Proof of Identity & Address
    • PAN Card & Aadhaar Card of all Applicants and Co-applicants
    • Recent Utility Bill (Electricity, Water, or Gas) or Rent Agreement (if rented)
    • Permanent Address Proof
  • Proof of Business (for Companies/Firms/LLPs)
    • Business PAN Card
    • Udyam Registration / GST Certificate / Shop & Establishment License
    • Certificate of Incorporation / Partnership Deed (if applicable)
    • MOA & AOA (for Companies)
    • Office Address Proof – Electricity Bill or Rent Agreement
  • Proof of Income & Financial Statements
    • Latest 2 Years ITRs (Company & Individual, CA Attested)
    • Audited Balance Sheet & Profit & Loss Statement (Last 2 Years)
    • Form 3CB, 3CD with Computation (if applicable)
  • Bank Statements
    • Latest 6–12 Months Current Account Statements
  • KYC of Promoters / Directors
    • PAN Card, Aadhaar Card, and Address Proof of all Key Stakeholders
  • Other Supporting Documents
    • Latest GST Returns (1 Year)
    • Details of Ongoing Loans (if any)
    • Repayment Track Record of Existing Loans
    • Note: Strong banking history is required if turnover is below ₹30 lakh.

Unsecured Business Loan Interest Rates

Bank/NBFC Rate of Interest
HDFC Bank 15% – 18%
ICICI 15% – 18%
IndusInd 15% – 18%
Kotak 15% – 19%
SCB 16% – 18%
Yes Bank 16% – 20%
IDFC 16% – 20%
FedFina 17% – 19%
Deutsche Bank 17% – 19%
L&T Finance 17% – 20%
Axis Bank 17% – 20%
Bajaj Finance 17% – 20%
Chola 17% – 20%
Primal Capital Finance 17% – 22%
Piramal 17% – 28%
Avanse 18% – 20%
Godrej Capital 18% – 20%
Clix Capital 18% – 21%
Hero 18% – 21%
Niyogin Fintech 18% – 22%
Mangal Credit And Fincorp 18% – 22%
Poonawalla Fincorp 18% – 22%
Shriram Finance 18% – 24%
SMC Finance 18% – 24%
Tata Capital 18% – 24%
U GRO Capital 18% – 24%
NeoGrowth 18% – 24%
Aditya Birla 18% – 25%
Fullerton 18% – 26%
Ambit Finvest 18.5% – 21%
Credit Saison India 19% – 20%
Axis Finance 19% – 22%
Unity Small Finance Bank 19% – 24%
Protium Finance 19% – 24%
Ashv Finance – Intellecash 19% – 25%
Dhanvarsha 24% – 32%
Edelweiss Finance 24% – 32%
FinTree 24% – 32%
Ftcash 24% – 32%
IIFL 24% – 32%
Indifi 24% – 32%
LendingKart 24% – 32%

Frequently Asked Questions

An Unsecured Business Loan is a loan offered without the need to pledge any collateral. It is ideal for small and medium businesses needing funds for expansion, inventory, operations, or working capital.

Self-employed individuals, proprietors, partnership firms, and private limited companies involved in manufacturing, trading, or services with at least 3 years of business operations can apply.

Loan amounts typically range from ₹1 lakh to ₹50 lakh depending on your business financials, turnover, credit score, and eligibility.

No, you don’t need to provide any collateral or security to avail an unsecured business loan from us.

Basic KYC documents, business financials (ITR, bank statements), GST returns, and proof of business vintage are required. Visit our documents section for a complete list.

Interest rates vary depending on your credit profile, loan amount, and tenure. We offer competitive rates starting from around 14% per annum.

Repayment tenure ranges from 12 to 60 months. EMI options are flexible and based on your repayment capacity.

Once approved, the loan amount can be disbursed within 2 to 5 working days, depending on documentation and profile verification.

Yes, you can foreclose or make part-prepayments. Some lenders may charge a small prepayment fee depending on your loan terms.

A low credit score may reduce your chances of approval or increase your interest rate. However, if your business financials and banking are strong, we may still consider your application.

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