Let's find you
the Best Business Loan

A bank loan may be obtained from a bank and may be either secured or unsecured. For secured loans, banks will require collateral, which may be lost if repayments are not made. The bank will probably wish to see the business’s accounts, balance sheet and business plan, as well as studying the principals' credit histories. Many smaller businesses are now however turning towards Alternative Finance Providers, especially in the case of smaller firms.

Loans from credit unions may be referred to as bank loans as well. Business loans from credit unions received the second highest level of satisfaction from borrowers after loans from small banks.

Methods of business loan assessment, monitoring, risk management, and pricing affect the growth and performance of banks and other lenders. They also affect access to finance by would-be borrowers. The types of business financial information on which lenders base their decisions have changed significantly over the years – along with the management of business lending in general.

Features of business loan

Lower your EMIs by almost half *

Choose the Flexi facility and reduce the burden of monthly instalments.

High loan value

Get funds up to Rs. 45 lakh* without any restriction on end-use.

Loan approval in 24 hours*

Fill up the simple online form and get your application approved quickly.

Long repayment tenor

Repay your loan in affordable EMIs split over a tenor going up to 84 months.

Pre-approved offers

Check your pre-approved offer and get the funds you need minus the wait.

Zero collateral, minimal documentation

Apply for an unsecured business loan with just a few documents.

Types of business loans

Pksoftech also offers specific business loans such as:

  • 1. Working capital loans to help you manage the short-term cash flow needs of your business
  • 2. Machinery loans that provide funds for fixed asset needs
  • 3. SME and MSME loans to small and medium business enterprises owners looking to expand operations
  • 4. Small business loans for women entrepreneurs to provide funds to aspiring female business owners to help them expand their business
  • 5. Start-up business loans are online business loans that provide funds to the start-up industry to help them expand their business and increase market reach

How to calculate business loan EMI?

Manual calculation of EMI is a time-consuming task and might result in errors. With Pksoftech Business Loan EMI Calculator, you can calculate the monthly outgo of your small business loan in an instant. You only need to enter the loan amount, tenor, and interest rate to get error-free results in minutes.

*Terms and Conditions apply

Features and Benefits

Reduce your EMIs by up to half*

Pay up to 45%* lower EMIs for the initial part of the tenor with the unique Flexi facility.

Repay over 84 months

Pay back your loan in affordable EMIs split over a comfortable tenor going up to 7 years.

No collateral needed

Avail of a high-value business loan without pledging any assets and without the need of a guarantor.

Get exclusive pre-approved offers

Get personalised offers on our products and avail in just a few clicks by submitting your basic details online.

Get a loan up to Rs. 45 lakh

Meet your varying financial needs easily with a high business loan sanction.

Give your business the boost it needs with a high-value business loan going up to Rs. 45 lakh, at a nominal rate of interest. Upgrade or buy new machinery, hire seasonal workers, expand operations to a new city, or simply secure the flow of your working capital with this financial solution designed for small and medium enterprise owners.

Repay your business loan in comfortably split EMIs over a tenor ranging between 1 year to 7 years. Additionally, get the option to pay just interest as EMIs with the unique Flexi facility, and reduce your EMIs by up to 45%*. You can also withdraw what you need from your sanction, and part-prepay at no extra charge.

Avail of this business loan online with minimal documentation, and zero collateral. Simply click on 'Apply Online' and submit your basic details to see your pre-approved offer.

*Terms and Conditions apply

Business loan eligibility criteria



Business vintage

At least 3 years

Work status


CIBIL score

685 or higher


24 to 72 years*
*Age should be 72 years at the time of loan maturity

Documents required for a business loan

  • 1. KYC documents
  • 2. Proof of business ownership
  • 1. Other financial documents

The Pksoftech Business Loan eligibility criteria are easy to meet, as listed above. In order to make the application process for this loan as hassle-free as possible, we ask for only minimal paperwork. Aside from your basic KYC documents and proof of business ownership, you may need to submit your recent financial statements when you apply.

Once your business loan eligibility and documents have been verified, it takes only 24 hours* for you to get the loan transferred to your bank account.

*Terms and Conditions apply

Features and Benefits

Easy documentation

You only need to submit a few basic documents to our representative, who will reach your doorstep.

Quick loan approval

Get quick approval within 24 hours* after meeting the eligibility criteria. Use the loan amount to meet immediate financing needs.

Collateral-free financing

Avail of a high-value loan amount without pledging any assets with us.

Easy repayments

We provide convenient and affordable repayments with tenor ranging up to 84 months.

Lower your EMIs

Choose our Flexi facility and lower your EMIs by up to 45%*.

Attractive rates

Get attractive rates of interest on business loans and enjoy affordable repayments.

Online account access

You can manage your loan account with our dedicated online customer portal – My Account.