Business loans based on your turnover
No CIBIL score needed and no collateral. If your business is running and your sales go through the bank, you can apply — even with a low score or no credit history.
- No CIBIL score
- No collateral
- Businesses & self-employed
Have a good credit score? We also arrange CIBIL-based secured and unsecured loans from banks and NBFCs.
Check your loan options
Takes about a minute. We call you back within 10 minutes in working hours.
Thank You!
Your finance requirement has been received successfully.
Our team will review your requirement and contact you regarding suitable financing options. We aim to reach you within 10 minutes during business hours (Mon–Sat, 9:30 AM – 7:00 PM).
Final eligibility, interest rates, fees, sanction and disbursement are subject to the respective lender's policies and approval.
One application. Multiple lenders. We match your file to the lending partner most likely to say yes.
Your bank statement speaks for your business
Banks often turn down a running business because of an old repayment issue or a thin credit file. For our turnover-based loan, lenders look at how your business is doing today.
- Low CIBIL score or an old defaultYour business is doing well, but your score is not.
- No credit historyYou have never taken a loan or used a credit card.
- Self-employed or proprietorYour income comes through your business account, not a salary.
- Monthly bank creditsAverage of last 12 months
- ₹6,40,000
- Annual turnoverFrom GST returns / bank statement
- ₹78,00,000
- Business running sinceUdyam / GST registration
- 4 years
- KYCPAN and Aadhaar
- Verified
- CIBIL score
- Not required
Illustration. The final decision is always the lender’s.
Two ways to borrow
Tell us your situation and we’ll point you to the right one. You can also choose it yourself in the form.
Turnover-based loanNo CIBIL score needed |
Bank loan with CIBILSecured or unsecured |
|
|---|---|---|
| Decided on | Turnover and bank statements | Credit score, ITR and financials |
| CIBIL score | Not required | Required — a higher score gets better terms |
| Collateral | None (unsecured) | None, or property for a secured loan |
| Who can apply | Businesses and self-employed individuals | Businesses with good credit and filed returns |
| Documents | PAN, Aadhaar, 12 months bank statements, GST if registered | KYC, ITR, financials, bank statements, property papers if secured |
| Good for | Quick working capital, low or no credit score | Larger amounts, longer tenure, lower rates |
| Apply without CIBIL | Apply for a bank loan |
Loans we arrange
From no-CIBIL working capital to property-backed finance, through one application.
Turnover-Based LoanNo CIBIL
Unsecured business loan assessed on your business turnover and bank statements — no CIBIL score required, no collateral.
Business Loan (CIBIL-Based)
Bank and NBFC business loans for applicants with a good credit score — unsecured or secured, often at sharper rates.
Working Capital
Funding solutions designed to help businesses manage day-to-day operating requirements.
Loan Against Property
Business financing against eligible residential, commercial or industrial property.
Machinery Finance
Finance solutions for purchasing machinery and expanding production capabilities.
Equipment Finance
Funding for eligible business and professional equipment.
Invoice Finance
Unlock working capital against eligible unpaid business invoices.
Commercial Property Loan
Finance options for eligible office, shop, warehouse, factory and commercial-property purchases.
How it works
Most turnover-based files move from first call to lender decision within days.
- 1
Share your requirement
Fill the form or WhatsApp us. An advisor calls you within 10 minutes in working hours.
- 2
We review your profile
We look at your turnover and bank statements and tell you which route fits.
- 3
We match a lender
Your file goes to the lending partner that suits your profile — no running between banks.
- 4
Lender decides
The lender completes its checks and pays the loan directly into your bank account.
Approval, loan amount, interest rate, tenure and fees are decided only by the lending institution.
Check your eligibility
A quick, indicative check. Choose the turnover-based option and we won’t ask for your credit score at all.
- About 30 seconds
- No documents and no credit check
- An advisor can take it from there
This is a preliminary assessment, not a loan approval, sanction or offer. Final eligibility is decided by the lender.
Preliminary result
Preliminary assessment only — not a loan approval, sanction or offer.
EMI calculator
See what a loan could cost each month before you apply.
Year-by-year breakdown
| Year | Principal paid | Interest paid | Balance |
|---|
For illustration only. The actual rate, EMI and tenure are set by the lender.
Documents to keep ready
Having these ready speeds things up. Exact requirements vary by lender and product.
Turnover-based loan (no CIBIL)
- PAN & Aadhaar of the applicant
- 12 months bank statements (main business account)
- GST certificate and GST returns (if registered)
- Business proof — Udyam / shop licence / GST
- Business address proof
Bank loan with CIBIL — additionally
- Income Tax Returns for 2–3 years with computation
- Profit & Loss statement and Balance Sheet
- GST returns for 12 months
- Existing loan statements or sanction letters
- Property documents (secured loans only)
Know businesses that need finance?
Chartered accountants, consultants and agents can refer clients to us. We handle the file, the lender and the follow-up.
Questions business owners ask us
Can’t find your answer? Call +91 70107 05106 or message us on WhatsApp.
Can I get a business loan without a CIBIL score?
Yes. Our main product is a turnover-based business loan where a CIBIL score is not required. Eligibility is assessed on your business turnover, GST returns and bank-statement activity. Lenders still verify KYC and business proof.
My CIBIL score is low or I had a past default. Can I still apply?
Yes. Many running businesses have a low score because of an old issue. With the turnover-based loan, the lender focuses on how your business is performing today — your sales and bank credits — not your credit score.
I have never taken a loan before. Can I apply?
Yes. First-time borrowers with no credit history can apply for the turnover-based loan based on their business turnover.
Do I need collateral for the no-CIBIL loan?
No. The turnover-based loan is unsecured — you do not need to pledge property, gold or any other asset.
Can an individual apply, or only companies?
Both. Proprietors, self-employed individuals, partnerships, LLPs and companies can apply, as long as the business income flows through a bank account.
What is the difference between the no-CIBIL loan and a CIBIL-based bank loan?
The turnover-based loan does not need a CIBIL score and is decided on turnover and banking. CIBIL-based bank loans (secured or unsecured) are for applicants with a good credit score and filed returns; they may offer larger amounts, longer tenures and sharper rates. We help you choose the right one.
How much loan can I get on my turnover?
It depends on your monthly bank credits, annual turnover, business vintage and existing EMIs, as assessed by the lender. Share your last 12 months bank statements and we will give you a realistic estimate.
What documents are needed for the turnover-based loan?
Usually PAN, Aadhaar, 12 months business bank statements, GST certificate/returns if registered, and a business proof such as Udyam or a shop licence. Requirements may vary by lender.
What is MyBusinessLoans.in?
MyBusinessLoans.in is a business finance facilitator. We help businesses and self-employed individuals understand their funding requirement and connect with suitable lending partners — through one simple application.
Is MyBusinessLoans.in a bank? Do you lend directly?
No. We are not a bank, NBFC or lending institution. Loans are sanctioned and disbursed directly by our lending partners, who take all lending decisions.