Fast Approval | Flexible Funding | Compare Multiple Banks

Need Funds For Your Business?

Option Credits Services Pvt Ltd helps you check business loan options from leading banks and NBFCs. We keep the process clear and simple so you can focus on your work.

  • Loan Amount Based On Eligibility
  • Minimal Documentation
  • Simple Approval Process
  • Compare Multiple Bank Offers
  • Service Available Across Kerala
Business Loan
15,000+
Loans Approved

Why Choose Option

Multi Bank Comparison

We Speak To Different Banks And NBFCs To See Which Loan Option And Repayment Plan May Suit Your Business.

Eligibility Check

Your Turnover, Banking Track, And CIBIL Score Help Decide How Much Funding May Be Possible.

Support For Different Businesses

Traders, Self-Employed Professionals, And Small Business Owners — Options Can Be Checked Based On Profile.

Quick Processing

We Follow Up With The Lender So The File Keeps Moving.

Flexible Usage

Funds can be used for stock, expansion, equipment, or daily business needs.

Better Rate Options

You Can Review More Than One Offer Before Making A Decision.

Eligibility

Here's What Lenders Usually Look At.

Basic Requirements

  • Age: 21 To 65 Years
  • CIBIL Score: 700+ Preferred
  • Business Running As Per Bank Norms
  • Self-employed or business owner

Profiles That May Be Considered

  • Proprietorship Or Partnership Firms
  • Private Limited Companies
  • GST-Registered Businesses
  • Case-Based Bank Programs
  • Retail Shops
  • Contractors
  • Manufacturers
  • Service Businesses
  • Professionals
  • Small & Medium Enterprises (MSME)
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Loan Options Under Business Loan

Options Depend On Your Requirement And Lender Approval

Term Loan

Fixed Loan With Structured Repayment.

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Working Capital Loan

Support Day-To-Day Business Expenses.

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Balance Transfer

Shift Your Existing Loan If Better Terms Are Available.

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Top-Up

Additional Funds May Be Checked Based On Eligibility.

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Documents Required

Documents may vary based on lender and profile

For Business Owners

  • PAN Card
  • Aadhaar Card
  • ITR 2 Years
  • Business Proof (Registration Certificate, GST Certificate)

Feel Free To Use Our EMI Calculator

Monthly Payment (EMI)
₹12,674
Total Interest
₹1,08,362
Total Amount
₹6,08,362
Business Loan

Eligibility Checker

Business Loan FAQ Section

Option Credits Services Compares Business Loan Offers From Multiple Banks And NBFCs, Helping You Get The Best Interest Rate And Terms. We Handle The Application, Document Support, And Follow-Up Right Through To Disbursal.

A Business Loan Is A Loan Provided To Businesses To Meet Their Financial Requirements — Such As Working Capital, Expansion, Equipment Purchase, Or Stock Management — Without Necessarily Pledging Collateral.

Proprietors, Partners, Private Limited Companies, And Self-Employed Professionals Are All Eligible To Apply. A Good CIBIL Score, Business Vintage, And Stable Turnover Are Generally Required By Most Lenders.

Generally Required Documents Include PAN Card, Aadhaar Card, ITR (1-2 Years), Bank Statements (12 Months), GST Registration, And Business Proof. Our Team Will Help You Confirm The Exact List Based On Your Lender And Profile.

Business Loan Amounts Depend On Your Turnover, CIBIL Score, Business Type, And The Lender's Policy. Generally, You Can Get Anywhere From ₹1 Lakh To Several Crores Depending On Your Eligibility And The Loan Type.

Approval Time Varies By Lender And Loan Type But Typically Takes 3–10 Working Days After All Documents Are Submitted. Our Team Follows Up Closely To Ensure Faster Processing For Your Business.

Some lenders offer unsecured business loans based on income, GST, banking track, and repayment history.

Get Your Business Loan Today

Our financial advisors are ready to help you find the right business loan. No obligation, completely free consultation.

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Compliance Disclaimer: Option Credits Services Pvt Ltd is a loan and financial product facilitation company and not a bank or lending institution. Loan approvals, interest rates, funding limits, credit card approvals, and terms are subject to respective bank/NBFC policies and RBI guidelines.