Overview
We at V Key Finserv recognize that all businesses, no matter how big or small, are the foundation of the Indian economy, and that our business loan solutions are made to help you achieve your objectives quickly and effectively.
Why Choose Our Business Loans?
- Loan Amount*: Up to ₹50 Lakhs
- Tenure: Flexible repayment of up to 60 months
- Quick Approvals & Disbursals
- No Collateral Needed for Select Loan Amounts
- Customized EMI options based on your business revenue
- Available for SMEs, Startups, Traders, Manufacturers & Professionals
- Personalized EMI options based on your business revenue
Fuel your business ambitions with V Key Finserv; and move toward a future of sustainable growth and success.
Features and Benefits of Our Business Loan
The financial flexibility needed to take advantage of fresh opportunities, overcome obstacles, and maintain an advantage in cutthroat marketplaces is provided by a company loan.
Important Features:
- No Collateral Loans*: Depending on your qualifications, apply for unsecured loans up to a certain amount.
- Fast Processing: Decisions are made more quickly and with less paperwork.
- Customized Tenures: Up to 60 months of flexible repayment terms.
- Competitive Interest Rates*: Determined by your creditworthiness and business performance.
- Offers for pre-approved loans are available to qualified current clients with a solid payback record.
Benefits:
- Business Expansion: Expand your workforce, open more locations, or diversify your offerings using the money.
- Working capital can be used to pay suppliers, cover operating costs, or enhance daily cash flow.
- Purchase of Equipment: Invest in new or upgraded machinery, tools, or technology.
- Inventory control: Keep inventory levels constant throughout busy times of the year or during holidays.
- Close Receivables Gaps: Confidently handle past-due client payments.
V Key Finserv offers the appropriate financial support to support your vision, regardless of your company’s objectives.
Eligibility Criteria for Business Loan
At V Key Finserv, we assess applications based on multiple criteria to ensure responsible lending and sustained growth for your business.
Criteria | Details |
Age | Applicant must be between 25 and 65 years |
Business Type | Sole Proprietorship, Partnership, LLP, Pvt Ltd, or Enterprises |
Business Vintage | Minimum 2 years of continuous operations |
Turnover | Minimum ₹20 Lakhs annually |
Credit Score | A score of 650+ is preferred |
Location | Must be an Indian resident with a business registered in India |
Note: We also assess debt-to-income ratio, existing liabilities, and cash flow health.
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Documents Required for Business Loan
Proper documentation helps us offer you a smoother and quicker loan approval experience.
✅ KYC Documents (All Applicants):
- Aadhaar Card
- PAN Card
- Passport / Driving License / Voter ID (as secondary ID proof)
- Recent passport-size photographs
✅ Business Proof:
- Business Registration Certificate (GST, MSME, etc.)
- Trade License
- Udyam Registration Certificate
- MOA/ AOA / Partnership Deed (as applicable)
- Shop and Establishment Certificate
- Professional Practice License (for CA/Doctors/Consultants)
✅ Financial Documents:
- ITRs for last 2–3 financial years
- Profit & Loss Account and Balance Sheet (audited by CA)
- Latest 12 months’ Bank Statements (business account)
- Loan repayment track record (if applicable)
Having all documents in place ensures faster application processing and quicker funding.
EMI Calculator for Business Loan
Use our Business Loan EMI Calculator, a quick and easy way to estimate your monthly disbursements, to plan your repayments before applying.
Why Use Our Calculator for EMI?
- aids in financial planning prior to borrowing
- provides a clear picture of your monthly responsibilities.
- enables comparing various loan amounts and terms.
EMI = [P x R x (1+R)^N] / [(1+R)^N – 1] is the formula that was used.
Where:
P is the loan amount
R is the interest rate per month
N = Months of loan tenure
EMI Calculator
Loan EMI
Total Interest Payable
Total Payment
(Principal + Interest)
Fees and Charges for Business Loan
We maintain complete transparency when it comes to loan costs. Below is a breakdown of the standard charges applicable:
Particular | Charges |
Processing Fee* | 2% to 3% of sanctioned loan amount |
Loan Cancellation Charges | ₹2,500 or up to 5% depending on disbursement stage |
Prepayment / Foreclosure | Allowed after 6 months; charges may apply (up to 4%) |
Legal & Valuation Fees | As per actuals |
EMI Bounce Charges | ₹500 to ₹750 per bounce |
Penal Interest* | 2% per month on overdue EMI |
Statement / NOC Charges | ₹250 to ₹500 per instance (on request) |
Note: Charges vary depending on loan size, profile, and location. Conditions Applies*
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FAQ’s
You can borrow up to ₹50 Lakhs, depending on your business performance and eligibility.
No. For select loan amounts, business loans are completely unsecured — no collateral or guarantor is needed.
Yes, but your business must be operational for at least 2 years with verifiable revenue.
Interest rates are customized based on your credit profile, business turnover, and loan amount. Contact us for the best rates.
You can choose a tenure from 12 to 60 months based on your repayment ability.
Once approved, the loan is typically disbursed within 3–5 working days.
Yes. Foreclosure is allowed after a specific period (usually 6 months), with minimal or no prepayment charges.
It is optional. However, adding a co-applicant may improve loan eligibility or secure a higher amount.
You may incur late payment penalties and it could affect your credit score. Always set reminders or opt for auto-debit.
You can apply online at https://vkeyfinserv.com, call +91-8660959034, or visit any of our branches.
