Scale Your Business With Loans Up To ₹1 Crore

Get collateral-free working capital loans. Compare offers from India's top NBFCs and banks with fast API-driven approvals.

Zero Collateral / Security Required
Disbursal in 48 Hours
Minimum Documentation (GST/ITR Based)

Check Business Offer

Find the best working capital loan instantly

Why Businesses Trust KreditX?

Collateral-Free Options

No need to pledge your home or commercial property. Our tech matches you with unsecured business loan providers instantly.

Digital Supply Chain

We use API integrations with top banks to directly assess your GST returns and banking history, speeding up the approval process.

Flexible Repayment

Choose between standard EMI loans or an Overdraft (OD) facility where you only pay interest on the amount utilized.

Business Loan Criteria

Business Vintage Minimum 1 to 3 years of operational history
Annual Turnover Minimum ₹40 Lakhs (Criteria varies by lender, starting from ₹10 Lakhs for small shops)
Credit Score (CIBIL/CMR) Director/Proprietor CIBIL > 680. No recent loan defaults.
Key Documents Needed GST Returns (last 12 months), Bank Statement (last 12 months), Latest ITR, Business Proof (Udyam/Shop Act).

Frequently Asked Questions

Is GST registration mandatory for a business loan?
While some lenders offer loans based purely on banking transactions, having a valid GST registration significantly increases your chances of approval and gets you lower interest rates.
How is the interest rate calculated?
Interest rates are calculated based on your business profile, turnover, CIBIL score, and repayment history. They typically start from 14% to 18% p.a. on a reducing balance method.
Can a newly started business get a loan?
Most unsecured business loans require a minimum of 1 year of business vintage. If your business is newer, you may have to explore government schemes like PM MUDRA Yojana.