Aryafin Commercial Loan Solutions
Are you planning to expand your business or start a new enterprise? Aryafin offers a wide range of unsecured commercial loan solutions of up to ₹75 Lakhs* to support your business needs. Our flexible solutions help you manage capital requirements, short-term and working capital needs, inventory purchases, equipment procurement, office expansion, business marketing, and staffing. With over a decade of experience serving business owners, Aryafin is dedicated to providing the best commercial loans in India, tailored to meet the unique needs of each customer across various sectors, including retail, e-commerce, and travel.
Aryafin Commercial Loan Features & Benefits
Flexible Loan Repayment: Repay your loan within up to 48 months* according to your convenience, ensuring your repayment schedule aligns with your cash flow. We also offer foreclosure options to prepay the loan without extra charges*.
Capital Support: Access quick and easy finance up to ₹75 Lakhs* with competitive interest rates to keep your capital costs low.
Fast Disbursement: Get your commercial loan approved within 72 hours* with minimal documentation and transparent eligibility criteria.
No Collateral Required: Our commercial loans are collateral-free, so you don’t need to pledge personal or business assets to secure financing.
Tailor-Made Solutions: Benefit from pre-approved offers and higher loan top-up amounts, with the option to choose a repayment tenure of up to 48 months*.
Online Account Management: Track and manage your commercial loan account anytime, anywhere, using our service portals and mobile applications.
Commercial Loan Eligibility
To be eligible for a commercial loan from Aryafin, you need to meet the following criteria:
- Eligible Entities: Self-employed individuals with their own business, or proprietors/partners/directors of existing businesses.
- Nationality: Resident Indian.
- Age Criteria: 25 - 65 years.
- Turnover: Minimum annual turnover of INR 10 lakhs and profit after taxes of INR 2 lakhs per annum.
- Business Experience: At least 3 years in business with stable income and profits for the past 2 years.
- Credit Score: CIBIL score of 750 or higher.
Documents Required for a Commercial Loan
To apply for a commercial loan, you will need the following documents:
- Recent photograph
- Valid Identity Proof (PAN card, Driving License)
- Valid Address Proof (Electricity bill, Passport)
- Bank statements
- GST or ITR
- Income proofs
- Proof of business existence (Certificate of Incorporation, etc.)
For a complete list, please visit our Commercial Loan Documents page or contact our customer care representative.
Commercial Loan Interest Rates and Charges
- Interest Rate: Competitive rates based on factors like net income, business stability, location, collateral, and existing obligations.
- Loan Amount: Up to ₹75 Lakhs*
- Loan Tenure: Up to 48 months*
- Processing Fee: Up to 6.5% of the loan amount
- Late Payment Charges: 2% plus GST per month on the overdue amount
- Cheque/ECS Dishonour Charges: INR 300 per dishonour
- Loan Cancellation Charges: INR 1000 if cancelled before the first EMI
- Customer Types: Proprietor, LLP, Pvt Ltd., Partnership, Public Ltd.
Commercial Loan Application Process
- Determine Your Loan Requirements: Decide on the loan amount and purpose.
- Research and Choose Lender: Select Aryafin for terms that suit your business needs.
- Check Eligibility: Ensure you meet all criteria and have the necessary documents ready.
- Submit Application: Apply online or offline with all required information.
- Application Evaluation: Your application will be evaluated, and you will receive a custom loan offer.
- Verification: Verify and accept the loan offer. Funds will be disbursed to your account.
- Repayment: Begin repaying as per the agreed schedule.
What is a Commercial Loan EMI Calculator?
A commercial loan EMI calculator helps you plan your monthly obligations by providing an overview of expenses based on:
- Total loan amount
- Loan tenure
- Interest rate
Use the calculator to explore different scenarios and make informed financial decisions for your business.
How to Apply for a Commercial Loan?
- Visit Aryafin's Apply Loan page.
- Select 'Commercial Loan' based on your requirements.
- Enter the requested information and upload necessary documents.
- Enter the loan amount and select the tenure.
- Receive an instant decision on your application.
- Save the reference number for future communication.
- A representative may contact you for further information.
- After verification, receive a customized loan offer.
- Post-approval, funds will be disbursed to your account.
*Terms and Conditions apply
Commercial Loan FAQ
A commercial loan is a type of financing provided to businesses to support various operational needs such as expansion, inventory purchases, equipment procurement, office setup, marketing, and staffing. Aryafin offers unsecured commercial loans up to ₹75 Lakhs* to help businesses grow.
- Flexible Repayment Options: Repay within up to 48 months*.
- Quick Disbursement: Loan approval and disbursement within 72 hours*.
- No Collateral Required: Obtain loans without pledging personal or business assets.
- Competitive Interest Rates: Keep your cost of capital low.
- Online Account Management: Manage your loan account seamlessly online.
To be eligible for a commercial loan from Aryafin, you need to:
- Be self-employed with your own business or a proprietor/partner/director of an existing business.
- Be a Resident Indian aged between 25 - 65 years.
- Have a minimum annual turnover of INR 10 lakhs and profit after taxes of INR 2 lakhs per annum.
- Have at least 3 years of business experience with stable income and profits for the past 2 years.
- Have a CIBIL score of 750 or higher.
The following documents are required:
- Recent photograph
- Valid Identity Proof (PAN card, Driving License)
- Valid Address Proof (Electricity bill, Passport)
- Bank statements
- GST or ITR
- Income proofs
- Proof of business existence (Certificate of Incorporation, etc.)
- Receive an instant decision on your application.
- Save the reference number for future communication.
- A representative may contact you for further information.
- After verification, receive a customized loan offer.
- Post-approval, funds will be disbursed to your account.
A commercial loan EMI calculator helps you plan your monthly obligations by providing an overview of expenses based on the total loan amount, loan tenure, and interest rate. Use the calculator to explore different scenarios and make informed financial decisions for your business.
You can avail of a commercial loan up to ₹75 Lakhs* from Aryafin, depending on your business requirements and eligibility.
The loan tenure for repayment is up to 48 months*, allowing you to choose a schedule that aligns with your cash flow.
Yes, there is a processing fee of up to 6.5% of the loan amount. Other charges include late payment charges, cheque/ECS dishonour charges, and loan cancellation charges.
Yes, Aryafin offers foreclosure options that allow you to prepay the loan amount without any extra charges*.
Aryafin ensures quick loan approval and disbursement within 72 hours*, provided you meet the eligibility criteria and submit all required documents.
You can manage your loan account online through Aryafin's service portals and mobile applications, accessible anytime, anywhere, and across devices.
For further assistance, you can visit Aryafin's website or contact our customer care representative.
