Business Loan
Unsecured funding to grow, restock, or expand your business operations — without pledging collateral, processed faster through our network of partner banks and NBFCs.
For established businesses needing flexible, unsecured capital
Whether you run a manufacturing unit, a trading firm or a retail outlet, a business loan gives you working capital or expansion funds without tying up property or other assets as collateral.
Do you qualify?
- Business operational for at least 1–2 years
- Minimum annual turnover as per lender norms
- Valid GST registration
- Reasonable credit history (CIBIL score)
What you'll need to send
Send these directly on WhatsApp — one by one or all together. We'll let you know what's verified and what's still pending as you go.
- Aadhaar & PAN card (proprietor/directors)
- GST registration certificate
- GSTR-3B (last 6 months)
- Bank statements (last 6 months)
- Income tax returns (last 2 years)
- KYC of all directors/partners
Why apply for this through Ikaya
No collateral required
Most business loans are unsecured, so you keep your property and assets free.
Fast turnaround
Document verification happens within minutes of submission on WhatsApp.
Multiple lender access
We match your profile to the bank or NBFC most likely to approve, not just the nearest branch.
Common questions
How much can I borrow?
Loan amounts depend on your turnover, credit profile and the lender's policy — we provide a realistic estimate after a quick eligibility check.
How long does approval take?
Once your documents are verified, your file goes to the bank for review. Bank turnaround varies, but our process removes every delay before that point.
Is collateral required?
Most business loans we facilitate are unsecured. Some larger amounts may require collateral, depending on the lender.
Ready to check what you're eligible for?
Send your business details on WhatsApp — get an estimate in minutes.
Chat with us on WhatsApp