Fuel Your Business Ambitions with the Right Loan
Empower your enterprise with easy access to capital through Shubhdhanam’s Business Loan—crafted to support expansion, operations, and financial stability with minimal hassle.
Business Loan Overview
Shubhdhanam’s Business Loans provide funding perfectly suited for working capital, equipment purchases, or strategic expansion. Choose tenures up to five years and enjoy competitive rates with zero hidden fees—so you always know your exact repayment.
Get rewarded as you grow with our Loan EMI Free Plan. Refer other businesses, and when they disburse over ₹10 lakhs, earn 1% of that amount—effectively offsetting your own EMI.
Our fully digital application requires minimal documentation—just ITRs, bank statements, and basic business proof—and delivers approval in 3–5 working days. No lengthy paperwork, no unnecessary delays—just straightforward access to funds when you need them most.
Beyond financing, we believe in community-driven success. By empowering local entrepreneurs with QR-code-enabled services and referral rewards, we create a network where every business fuels another’s growth.
Features & Benefits of Business Loan
Business Loan Eligibility Criteria
To apply for a Business Loan with Shubhdhanam, the below list outlines the key eligibility requirements:
Age
Applicant must be between 21 to 60 years at the time of application.
Business Experience
Must have a minimum of 2 years in business.
Business should be operational and profitable.
Income Criteria
Proof of regular business income through financial statements or bank statements.
Credit Score
CIBIL score of 700 or above is required for better approval chances.
Loan Amount
Loan amounts range from ₹2 Lakhs to ₹2 Crores, based on eligibility and business profile.
Rate of Interest
Interest rates vary between 12.00% to 24.00% per annum.
Loan Tenure
Flexible tenure from 12 to 60 months (1 to 5 years).
Disbursement Time
Quick disbursal within 3 to 7 days after approval.
Documents Requirement for Business Loan
Sole Proprietorship
- Id Proof: Pancard/aadhar Card/voter Id/dl/passport (Any One)
- Residence: Aadhar Card(Self Or Spouse Or Parents)/voter Id(Self Or Spouse Or Parents)/passport/owership Light Bill ( Latest 3 Month)/ 6 Month Old Rent Agreement (If Notary Than Required Light Bill But If Registered Than Not Required) Or 6 Month Old Saving Account Or Lastest Gas Receipt(Latest 3 Month).(Any One)
- Office Add Proof: 6 Month Old Rent Aggrement / Udyan Aadhar / Ownership Light Bill (Any One)
- Banking: Saving / current / od / cc (Any One), Statement Required Of 1 Year.
- Business Vintage Proof: 2-3 Yr Old Gumasta/2-3yr Old Udyam Aadhar(Registration Date Year Is Mandator)/ 2-3 Yr Old Current Account/ 2-3 Yr Old Itr With Complete Set/2-3 Yr Gst Certificate If Available (Any 0ne)
- Income Documents: 2 Yr Latest Year Itr With Complete Set
Partnership Firms
- Id Proof: Pancard/aadhar Card/voter Id/dl/passport (Any One)
- Residence: Aadhar Card(Self Or Spouse Or Parents)/voter Id(Self Or Spouse Or Parents)/passport/owership Light Bill ( Latest 3 Month)/ 6 Month Old Rent Agreement (If Notary Than Required Light Bill But If Registered Than Not Required) Or 6 Month Old Saving Account Or Lastest Gas Receipt(Latest 3 Month).(Any One).
- Office Add. Proof: 6 Month Old Rent Aggrement / Udyan Aadhar / Ownership Light Bill (Any One)
- Banking: Current/od/cc (Any One), Statement Required Of 1 Year.
- Business Vintage Proof: 2-3 Yr Old Gumasta/2-3yr Old Udyam Aadhar(Registration Date Year Is Mandator)/ 2-3 Yr Old Current Account/ 2-3 Yr Old Itr With Complete Set/2-3 Yr Gst Certificate If Available (Any 0ne)
- Income Documents: 2 Yr Latest Year Itr With Complete Set
Private Limited Companies & LLPs
- Id Proof: Pancard/aadhar Card/voter Id/dl/passport (Any One)
- Residence Proof: Aadhar Card(Self Or Spouse Or Parents)/voter Id(Self Or Spouse Or Parents)/passport/owership Light Bill ( Latest 3 Month)/ 6 Month Old Rent Agreement (If Notary Than Required Light Bill But If Registered Than Not Required) Or 6 Month Old Saving Account Or Lastest Gas Receipt(Latest 3 Month).(Any One)
- Office Proof: 6 Month Old Rent Aggrement / Udyan Aadhar / Ownership Light Bill (Any One)
- Business Vintage Proof: 2-3 Yr Old Gumasta/2-3yr Old Udyam Aadhar(Registration Date Year Is Mandator)/ 2-3 Yr Old Current Account/ 2-3 Yr Old Itr With Complete Set/2-3 Yr Gst Certificate If Available (Any 0ne)
- Income Documents: 2 Yr Latest Year Itr With Complete Set
Fees and Charges for Business Loan
The below list highlights the standard fees and charges applicable to business loans offered by Shubhdhanam:
Processing Fee: Up to 2% of the sanctioned loan amount (plus applicable taxes)
Prepayment/Foreclosure Charges: May range between 2% – 5% of the outstanding principal (as per loan terms)
Late Payment Charges: 2% per month on the overdue EMI amount
EMI Bounce Charges: ₹500 to ₹750 per bounced transaction
Loan Cancellation Charges: Processing fee is non-refundable if the loan is cancelled post-sanction
Legal & Technical Charges: As per actuals (for document verification and business evaluation)
Statement/Document Request Charges: ₹200 to ₹500 depending on the type of document
These charges may vary based on your loan profile and terms. All applicable fees are transparently communicated during the loan application process.
How Business Loan is Calculated
A Business Loan is calculated based on the loan amount, interest rate, and tenure. These three factors determine your monthly EMI (Equated Monthly Installment), which is the fixed amount you repay each month.
The EMI is calculated using the formula:
EMI=P×r×(1+r)n
(1+r)n−1
Where:
P = Principal loan amount
r = Monthly interest rate (annual rate ÷ 12 ÷ 100)
n = Loan tenure in months
The total repayment amount is the EMI multiplied by the number of months, and the total interest is the difference between this and the principal.
At Shubhdhanam, we offer a transparent calculation process and personalized assistance to help you understand your repayment plan before you commit.
Partners
FAQs
We support a wide range of entities—sole proprietorships, partnerships, LLPs, and private limited companies—across sectors like retail, manufacturing, services, and more. Your business must be operational for at least one year to qualify.
You can choose repayment tenures of up to five years. Loan amounts depend on your business size and financials, with flexible limits tailored to meet working capital, equipment purchase, or expansion needs.
No. Shubhdhanam offers complete transparency with zero hidden fees. The only costs you’ll incur are the interest rate agreed upon—no service or processing charges apply.
Once your digital application and minimal documents (ITRs, bank statements, business proof) are submitted, approvals typically arrive within 3–5 working days, with funds disbursed immediately afterward.
Absolutely. If you refer another business whose loan disbursement exceeds ₹10 lakhs in a month, you earn 1% of their loan amount—enough to offset your own EMI payment.
Visit any of our partner outlets or local merchants displaying the Shubhdhanam QR code. Scan the code with your smartphone to access the digital application form—no need to visit a branch.