Business Loan

Business Goals? Let’s Fund that with Innetiq India’s instant business loans—designed for MSMEs, startups, traders, and entrepreneurs across India. Whether you're expanding operations, boosting working capital, buying equipment, or launching a new project, we’ve got you covered.

Enjoy fast approvals, flexible tenures, minimal documentation, and competitive interest rates—all without the hassle of collateral. With access to top banks and NBFCs, we bring you tailor-made loan solutions that match your business goals.

At Innetiq India, we believe in empowering India’s business backbone with financing that’s simple, transparent, and quick. Let your business thrive with funding that moves at your pace.

Service benefits

Features & Benefits of Innetiq India Business Loans

  • Instant Approval

    Check eligibility and get quick approval within minutes.

  • Flexible Tenure

    Repay easily with terms ranging from 12 to 60 months.

  • Collateral-Free

    No assets required—100% unsecured business loan.

  • Quick Disbursal

    Receive funds in your account within 24–48 hours.

  • Minimal Documentation

    Easy process with basic, business-relevant paperwork only.

  • Competitive Interest

    Attractive rates tailored to your business profile.

  • Custom Loan Options

    Loan solutions suited for MSMEs, startups, and entrepreneurs.

  • Trusted Partners

    Get access to top NBFCs and leading financial institutions.

Business Loan Eligibility at Innetiq India

Age Limit

Applicant should be between 22 and 65 years.

Business Type

Retailers, traders, small manufacturers, service providers, and self-employed professionals.

Business Experience

Minimum 3 years in current business with at least 5 years of industry experience.

Annual Turnover

Business should have a minimum turnover of ₹40 lakhs.

Profit Track Record

Must be profit-making for the last 2 years.

Minimum Income

Annual ITR should be ₹1.5 lakhs or more.

Bank Statement

Provide last 6 months’ bank statement of the business account.

GST Compliance

Active GST registration with on-time GSTR1 and GSTR3B filings.

Credit Score

Preferred CIBIL score of 680 or higher.

Business Setup

Must have a registered office with a name board and valid documents.

Documents Required for Business Loan – Innetiq India

Basic KYC Documents (All Applicants)
  • PAN Card (Company/Firm/Individual)
  • Aadhaar Card / Passport / Voter ID / Driving License (as Identity Proof)
  • Aadhaar Card / Passport / Voter ID / Driving License (as Address Proof)

Financial Documents
  • Last 6 months’ bank statements (entity/individual name must match business proof)
  • Latest 2 years' ITR with computation, Balance Sheet, and Profit & Loss Statement (CA certified)
  • Proof of business continuation: Trade License / ITR / Sales Tax / Establishment Certificate

Business Proof Documents

For Sole Proprietors & Individuals:

  • GST Certificate
  • If GST is older than 24 months:

– Submit any one of:

  • Udyam Registration Certificate (URC)
  • FSSAI / Shop Act / ICAI / ICSI / Medical Council Certificate / Import Export License
  • If GST is less than 24 months old:
  • – URC is mandatory
  • – Plus any one document listed above, issued at least 24 months ago

Entity-Specific Documents
  • For Sole Proprietors:

    Sole Proprietorship Declaration

  • For Partnership Firms:

    Certified Partnership Deed

  • For Private Limited Companies:

    Memorandum & Articles of Association (certified by Director)

    Original Board Resolution