Best Loan Apps for Business Owners in India (2025)
Looking for a fast and paperless business loan? These top-rated business loan apps in India help entrepreneurs, freelancers, and MSMEs get instant financing without visiting a bank branch.
Whether you're expanding your shop, purchasing inventory, or covering short-term expenses, these loan apps offer fast approval, flexible EMIs, and zero-collateral funding—ideal for small business owners.
What Is a Business Loan App?
A business loan app is a digital platform that allows business owners to apply for unsecured loans online. These apps usually partner with NBFCs or fintech lenders and provide loans for working capital, equipment, marketing, or operations.
Top Business Loan Apps in India – 2025
1. Indifi
Loan Amount: ₹50,000 to ₹50,00,000
Interest Rate: Starting at 1.5% per month
Features: Tailored for SMEs, quick disbursal, sector-based loans
2. FlexiLoans
Loan Amount: ₹25,000 to ₹10,00,000
Interest Rate: Starts at 1% per month
Features: Instant application, zero collateral, repeat credit line
3. LendingKart
Loan Amount: ₹50,000 to ₹2 crore
Interest Rate: Starts at 1.25% per month
Features: Paperless processing, PAN + bank statement only
4. Razorpay Business Loans
Loan Amount: Based on monthly sales
Features: Ideal for online businesses, instant eligibility based on Razorpay account
5. Instamojo Credit
Loan Amount: ₹25,000 to ₹5,00,000
Features: Embedded within Instamojo dashboard, fast for small merchants
Pro Tip: Maintain a healthy transaction record and GST filing to increase your business loan eligibility.
Why Use a Business Loan App?
- ✔️ No need for collateral or long paperwork
- ✔️ Designed for MSMEs, freelancers, startups, and local sellers
- ✔️ Quick funding based on turnover, invoices, or UPI sales
Looking for a trusted platform to compare loan offers? Try LoanBoat – India’s trusted loan app to explore secure business loan options from leading NBFCs in minutes.