Getting a business Loan in India used to be a Headache. You first go to the bank and submit your business loan documents. If something went wrong, the bank staff would say,Come tomorrow, it,s Lunchtime, or the bank Manager was on leave. The journey to the bank was Fraught with Lengthy paper-work. But in 2025, times have changed dramatically. Many RBI-Registered NBFC have Developed digital Business Loan apps that process your Business Loan entirely online and Provide instant business loans without any Guarantees.
In today Article, well share information about some of these mobile apps, which offer Business Loan from ₹5,000 to ₹85 Lakh from the Comfort of your home. The interest rates on these mobile apps start at 12%.
This Post Explains The Top Business Loan Apps in India Based on:
- These mobile apps provide instant loan approval.
- What are the business loan eligibility criteria?
- What will your interest rate be?
- All mobile apps are registered with the NBFC (RBI).
- Google Play Store ratings and user reviews will be included.
- How long does it take for the loan to be Credited to the bank?
What makes a business loan app the best in India?
- Which Mobile app Provides instant Business Loans?
- The Best app for MSME loans?
- Does it Provide business loans Without any Guarantee?
- Does it Provide instant loan Approval, especially for Small Business Owners?
10 Best Loan Apps For Small Business Owners in India
In this Article Well explore the 10 best Loan apps for small business owners in India, including which mobile app will offer the most business loans, the interest rate, the documents youll need, which app will disburse your Loan funds as quickly as possible to your bank, and most importantly, Your Eligibility Criteria for a Loan.
| Loan App | Loan Limit | Interest Rates | Documents Required | Loan Disbursal Time |
|---|---|---|---|---|
| KreditBee | ₹6,000 to ₹5 Lakhs | 12% to 28.5% per annum | Photograph, PAN Address Proof, Business Income Proof, Business Ownership Proof | Quick loan disbursal |
| Airtel Finance | ₹50,000 to ₹75 Lakh | 14% interest rate Annual | Business or office ownership/residence documents required | Quick Disbursal |
| Paytm Merchants | Up to ₹10 lakhs | 15% to 46% p.a. | PAN and Aadhaar | Loan Disbursal 5 Minutes |
| Moneyview | ₹05 lakhs | Monthly interest starts from 1.33% | PAN and Aadhaar,GST Certificate, Business Registration Proof,Bank Statement | Instant disbursal |
| Kissht Business Loan | ₹05 lakhs | 15% per annum | Aadhaar Card, PAN Card,Business Proof,Financial Documents | Instant Loan Disbursal |
| Lendingkart | ₹50 lakhs | 13.5% to 35% per annum | Aadhaar Card, PAN Card,Business Proof,Financial Documents | just 5 minutes |
| Bajaj Finserv App | ₹2 to ₹80 lakhs | 14% to 25% per annum | Aadhaar Card, PAN Card,Business Proof,Financial Documents | Disbursal Time 48 hours |
| Shriram Finance Business | Starting from ₹1 Lakh | Starting from 10%*p.a. | Bank statement, PAN Selfie Photograph | 2 to 3 Business Days |
| Piramal Finance | ₹5 to ₹30 lakhs | Starting from 16% to 25%p.a. | Bank statement, PAN Selfie Photograph | Quick Disbursal |
| Tata Capital | ₹ 1 Lakh to ₹ 90 Lakhs | Interest rates from 12%-30%. | Bank statement, PAN Selfie Photograph | Quick Disbursal |
Also Raed: Check Top Bank FD Rates
Conclusion
Getting a business Loan in India in 2025 has become much easier than ever. With the advent of RBI-registered NBFC digital lending apps, small businesses like grocery stores, small shops, MSMEs, merchants, or startups can now get instant business loans without hassle and with minimal paperwork.
Choosing the best mobile app for business loans in India depends on your business size, daily sales, and your CIBIL score. Mobile apps like Lendingkart, Paytm Merchant, MoneyView, and Bajaj Finserv are known for their business loan reliability.
If your Looking for a Business Loan to meet your Daily Expenses quickly and with Minimal documentation, these Mobile apps offer the safest and fastest Loan Solutions available today.
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