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India's Largest SME Credit Marketplace. 20+ Lenders. 100+ Products. 1 Lakh - 10 Crore Loans.

starsMinimum Loan Requirements

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You business needs to have been registered at least 2 years ago and you must be able to provide business registration proof.

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You should not have any defaults or delays on your existing EMIs.

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You must be at least 21 years old.

We Enable You in Three Simple Steps:

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Enter the mobile number that you use with your bank or loan accounts.
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Verify it via a One Time Password (OTP) and give consent to our terms of service and privacy policy.
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We also ask you to allow us to initiate a soft pull of your credit report on your behalf. The soft pull does NOT count as an enquiry on your bureau profile and, in fact, you get a copy of your credit report delivered to your email!
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Fill out your basic details. You will need to provide your Permanent Account Number (PAN), so keep it handy if you don't remember it!
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Tell us about your business and your finacing needs and get an answer. This will only take 2 minutes.
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If you are not eligible, get to know why. Zero Risk to your credit score.
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Depending on the type and size of the loan you are looking for, we will explain which additional supporting documents you need to upload to complete your application.
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If you can't upload all your documents right away, don't worry. You can always log in later and upload the remaining required documents.

starsWhat Type of Loan is Best for Me?

We help SMEs find the right business loan, whatever your requirements, wherever you are in your journey.

Unsecured Business Loan

Unsecured business loans are a great funding option for businesses that don’t own many assets, or for any company that’s growing fast and needs finance quickly. Our proprietary platform matches your loan requirement with the right lender for your business in no time, speeding up the process when you apply for a business loan online through CreditEnable.

Loan Amount

Borrow 1 lakh to 1 Crore

Repayment period

12 months to 36 months

Terms

Interest rates starting at 14%

Benefits

No need to have any security or assets

Less documentation requirement

Quick to arrange

Simple loan process

Apply Now

Machinery Loan

Investment in machinery is integral to any business’ long-term success. CreditEnable’s lender partners offer machinery loans that allow you to get funds to purchase new plant, machinery or equipment, or upgrade your existing ones. A machinery loan can help you scale your business to new heights by investing in the growth and profitability of your operations.

Loan Amount

Borrow from 15 Lakhs up to 3 Crores

Repayment period

Repayment period of 12 months to 10 years

Terms

Interest rates starting at 11%

Benefits

You can buy critical machinery or equipment when you need it and pay for it over a period of time

Once the loan is paid in full, you own the equipment free of any lien.

Apply Now

Working Capital Loan

Loans are not just for long-term or capital requirements. SMEs may face cash flow crunches that hinder their everyday operations. An inability to pay recurring expenses like rent, wages, EMIs or service accounts payables can put a strain on the business. CreditEnable’s lender partners working capital loans provide you the funding support to keep operations running smoothly even during a low revenue period.

Loan Amount

Borrow from 15 Lakhs up to 40 Crores.

Repayment period

Varied repayment periods depending on business needs and business financial position

Terms

Interest rates starting at 9%

Benefits

You can streamline your cash flows during a lean business phase with immediate funds

You do not have to sell assets to meet operational expenses

Your business ownership will not get diluted because there is no need to sell a stake to get funding

Apply Now

Secured Term Loan

For an SME that has access to assets that can work as security for a loan, a secured term loan is a practical alternative to unsecured loans. When you pledge collateral for a loan, you can get access to a higher loan amount as well as an attractive tenure. The interest rate for a secured term loan for business is lower compared to loans that are collateral-free.

If you are a manufacturer, trader or an online or offline retailer with assets to pledge, a secured term loan could be the right business loan choice for you.

Loan Amount

Borrow from 15 Lakhs up to 40 Crores

Repayment period

Up to 20 years

Terms

Customized interest rates

Benefits

Longer repayment terms than unsecured loans

Lower interest rates

Larger loan sizes

Apply Now

Loan Against Property

When an SME business owner has a valuable personal or business property in their name, it can be used as collateral to help secure a loan. Loan against property can be used to meet your business financing needs by pledging your property papers as security. The loan can be used to meet long-term funding needs, expansion plans, buy new property and equipment or to refinance existing loans. CreditEnable’s lender partners LAP options are flexible, easy and quick to secure.

Loan Amount

Loan of up to 70% of the value of your property.

Repayment period

Up to 15 years

Terms

Interest rates starting at 9.5%

Benefits

Cost effective loans

Easy to secure

Longer repayment terms than most other loans.

Apply Now

Documents You Will Need to Get Your Loan

Depending on the size of your loan and the type of business you own, the documents required by lenders will be different. We’ve put together a handy guide below along with downloadable checklists. Just select your loan size and type of business below and you’ll find everything you need to know.

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Personal KYC

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Business KYC

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Bank Statements/Financials

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Residential Address Proof

Sole-proprietorship or a partnership firm:

  1. Individual PAN Card
  2. Individual Aadhar Card
  3. For GST registered companies- GST Registration Certificate(mandatory)
  4. If Not GST reg-Provide any Trade or Business Registration certificate (Business vintage and place of business) e.g. Shop and Establishment License, Trade License, Labour License
  5. Business PAN Card other than sole prop.
  6. Last 12 months business Bank Statements for all bank accounts (Current,Saving,CC/OD)

  1. Individual PAN Card
  2. Individual Aadhar Card
  3. GST Registration Certificate (mandatory) & YTD GST returns for last 12 months
  4. Business PAN Card other than sole prop.
  5. Last 12 months business Bank Statements for all bank accounts (Current,Saving,CC/OD)
  6. Last 2-years ITR Acknowledgement & Computation of Income
  7. Last 2-years financials (Balance Sheet, P&L and notes to accounts) that have been certified by a CA

If you are an MCA registered company:

  1. All Directors PAN Card
  2. All Directors Aadhar Card
  3. For GST registered companies- GST Registration Certificate(mandatory)
  4. If Not GST reg-Provide any Trade or Business Registration certificate (Business vintage and place of business) e.g. Shop and Est Lic, Trade Lice, Labour Lic
  5. Company PAN Card
  6. Certificate of Incorporation
  7. Memorandum of Association (MOA) and Article of Association (AOA)
  8. Latest shareholding pattern on company letterhead
  9. Last 12 months business Bank Statements for all bank accounts (Current,Saving,CC/OD)

  1. All Directors PAN Card
  2. All Directors Aadhar Card
  3. For GST registered companies- GST Registration Certificate(mandatory)
  4. Company PAN Card
  5. Certificate of Incorporation
  6. Memorandum of Association (MOA) and Article of Association (AOA)
  7. Latest shareholding pattern on company letterhead
  8. Last 12 months business Bank Statements for all bank accounts (Current,Saving,CC/OD)
  9. Last 2-years ITR Acknowledgement & Computation of Income
  10. Last 2-years audited financials (Balance Sheet, P&L and notes to accounts)

starsOur Enabled Borrowers.

starsOur Promise.

We always tell you the truth. If you're not ready for the loan you want, we'll let you know upfront and save you the time and hassle of applying for loans you won't get.

We help you understand how to improve your attractiveness to lenders and give you concrete steps you can take. When you're ready, we help you get the right loan, from the right lender, on the right terms, at the right time.

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Want to Know More?

Read our Borrower FAQs section for more information.

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