Our Advisors are available 7 days a week, 9:30 am - 6:30 pm to assist you with the best offers or help resolve any queries.
Whether you are running a local shop, MSME, or startup, Manipal Fintech helps you discover the right business loan without hassle.
Part of The Manipal Group
Built on 90+ years of trust and legacy
Fast Disbursal
Funds disbursed within 24 to 72 hours*
Unsecured Loan
No collateral or third-party guarantee required
Flexible Tenure
Repayment tenures ranging from 12 to 60 months
Applying for a business loan through Manipal Fintech is simple, fully online, and designed for your convenience with a streamlined business loan application process. You can complete each step from anywhere, following a clear, step-by-step guide that ensures your application is submitted quickly and securely—no need to visit a branch or handle excessive paperwork. Here’s exactly how the loan application works:
Choose Business Loan from the product menu. Picking the right loan type ensures our system shows you the most relevant offers for your business profile and funding requirement.
Enter your your mobile number and Name and validate with OTP. Select your required loan amount & tenure.
Share your KYC documents like PAN, Aadhar, Address and business establishment related documents for verification.
Once you submit our expert team will evaluate your application and connect with you for further process.
Not all business loans are the same and neither are business needs. What sets Manipal Fintech business loans apart from a standard bank loan is speed, simplicity and the freedom to borrow without putting anything at risk. Here's what you get when you apply through us.
We provide multiple business loan offers for your requirement from 10+ Banks & NBFCs. One application on Manipal Fintech puts you in front of all of them simultaneously - giving you real choice to get the best suitable plan.
Starting from 12% p.a., based on your profile and eligibility and choose the best offer from 10+ lending partners all competing for your business. Manipal Fintech’s MoneyPal AI ensures you never settle for a rate higher than you deserve.
Just PAN, Aadhaar, business proof and recent bank statements. That’s it. Manipal Fintech has stripped away every unnecessary document so you can focus on running your business, not filling forms.
We offer business loans with flexible tenure. Stretch your tenure or keep short according to your cash flow and need. The repayment schedule works around your business cycle - not the other way around.
Manipal Fintech business loans are unsecured, meaning, No property, No gold, No guarantor. Your assets stay with you and the loan is approved on the strength of your business credentials alone.
No branch visits or follow-ups, everything happens online, from application to approval. Once your documents are verified, approval is fast and disbursal goes straight to your bank account.
Quickly calculate your loan amount, interest rate, and repayment schedule with our advanced AI-powered calculator.
Manipal Fintech is trusted by lakhs of Indians across different states and regions. Our true brand ambassadors are the people who trust us, inspiring us to deliver fast, secure, and hassle-free financial solutions.
A strong legacy built over trust.
Growing with the trust of people across India.
Your information stays safe at every step.
To understand your needs and offer personalized options.
From a kirana store owner to a garment manufacturer or local trader - if you run a business in India, there's a loan built for you.
Meet your business requirements by financing raw material procurement, machinery upgrades, and production expansion—without touching your working capital. Use a business loan to cover business related expenses such as purchasing raw materials in bulk and managing other essential business expenses.
Stock up before the festive season, renovate your store, or open a second outlet. A quick business loan helps you manage business expenses, including inventory and other business related expenses, keeping your shelves full and your growth on track.
Bridge the gap between bulk purchase and payment collection. Never lose a large order just because funds weren’t available in time.
Doctors, lawyers, consultants and service businesses—invest in infrastructure, hire talent, or expand your client base with an unsecured business loan.
Early-stage doesn’t mean high-risk. Get collateral-free funding to build your product, grow your team and capture market share faster.
India’s 6.3 crore MSMEs are the backbone of the economy. Manipal Fintech makes sure funding is never the bottleneck to your next level of growth.
Minimal documentation, so you spend less time on paperwork and more time growing your business with Manipal Fintech. Having the right business documents and KYC documents is essential for a smooth and quick business loan application process.
Please ensure all personal and business identifiers match accurately across your documents to avoid rejection during the loan application process.
No hidden charges. No fine print surprises. Manipal Fintech always shows you the complete cost before you commit.
*Charges may vary across lending partners. The exact applicable fees will be shown before you commit to any offer.
You don’t need to pledge property or gold to access capital. With an unsecured business loan, approval is based on how your business performs - not what you own. We look at your turnover, bank statements and repayment history to match you with the right loan.
Borrow without pledging any assets. Your loan is completely unsecured.
Minimal documentation and no collateral checks help speed up the process.
Choose a tenure between 12 and 60 months. Set an EMI that fits your cash flow.
Eligibility is determined by your revenue, bank statements and repayment history.
Managing a business often means balancing incoming payments with ongoing expenses and planning for business growth. Business loans are a key form of bank financing that can address a wide range of financial needs—whether it’s upgrading premises, expanding operations, purchasing equipment, or managing cash flow. Choosing the right business loan depends on aligning your specific financial needs with the loan’s repayment structure and costs.
provide a lump sum upfront, repaid over a fixed period with regular interest - ideal for long-term investments.
offers flexible access to funds as needed, perfect for managing fluctuating cash flow.
give you an upfront sum in exchange for a percentage of future card sales, useful for retailers with high card transaction volumes.
allows you to receive immediate cash by selling unpaid customer invoices to a lender at a discount.
Growing businesses don't borrow because they have to — they borrow because they want to move faster.
The right money at the right time. Never say no to an order or deal because the timing was off.
The right money at the right time. Never say no to an order or deal because the timing was off.
Late payments are reality. A loan smooths the gap so operations never stop.
A fixed EMI schedule is a habit. Consistent repayment builds stronger credit and better terms next time.
Even when business slows, salaries and rent continue. Keep things running without tough trade-offs.
Not every business needs the same type of loan. A shopkeeper restocking before the festive season has a very different requirement from a manufacturer buying new machinery. The right loan depends on what you need the money for, how quickly you need it and whether you have assets to offer as security. Here's a simple breakdown.
These are loans that don’t require you to pledge any collateral. Approval is based on your business’s financial performance - things like revenue consistency, banking activity and repayment behaviour. This is the most widely used form of business credit for small and mid-sized businesses that want capital without tying up assets.
An overdraft facility is essentially a flexible line of credit linked to your account. It allows you to withdraw funds as needed, within a pre-approved limit. Interest is charged only on the amount you actually use, which makes it useful for managing short-term fluctuations in cash flow.
Working capital loans are designed to support the operational side of a business, the day-to-day expenses that keep things running. They are especially useful when there’s a mismatch between money coming in from customers and money going out to suppliers, employees, or overheads.
Secured loans are backed by collateral such as property or other business assets. Because the lender has additional security, these loans usually come at lower interest rates and higher loan amounts.They’re typically used when the funding requirement is large and the borrower is comfortable leveraging existing assets.
Hear from business owners across India who found the right funding - without any delays.
Customer testimonials scroll automatically.
My experience with Manipal Fintech was very good. The gold loan process was easy, and the staff helped me at every step. They explained everything clearly, and I got my loan quickly. I feel the service is honest and trustworthy.
Poonam kaur
Tilai
I run a garment trading business in Jaipur. Banks me kafi long process hota. Manipal Fintech se mujhe jaldi loan offers mil gaye aur pura process online tha.
Rakesh Sharma
Garment Trader, Jaipur
I was starting my bakery in Kochi and honestly I didn’t want to risk my house or anything. Here it was simple - no collateral, just business details and basic documents. That gave me confidence to apply.
Priya Nair
Bakery Owner, Kochi
We wanted to upgrade our packaging machine but didn’t want to disturb working capital. The equipment loan made it possible. EMIs are manageable and operations didn’t stop even for a day.
Neha Patel
MSME Owner, Surat
My bank where I’ve been a customer for 10+ years quoted me around 16%. But this platform helped me to get better options around 13–14%. That difference is actually big when you calculate over 2–3 years.
Anil Pawar
Hardware Store Owner, Nagpur
My bank where I’ve been a customer for 10+ years quoted me around 16%. But this platform helped me to get better options around 13–14%. That difference is actually big when you calculate over 2–3 years.
Anil Pawar
Hardware Store Owner, Nagpur
Your guide to hassle-free borrowing with Manipal Fintech.
The simplest way is to apply through a loan aggregator platform like Manipal Fintech. Instead of approaching multiple banks individually, you submit one application and receive offers from multiple lenders. You can compare interest rates, eligibility and EMI options in one place and choose what suits you best. The process is online and takes just a few minutes to begin.
No. The platform is designed to be intuitive and beginner-friendly.
Interest rates for business loans are determined by individual banks and NBFCs, as the Reserve Bank of India (RBI) has deregulated interest rates. This means rates are set based on market conditions and your risk profile.
Yes, according to the Reserve Bank of India (RBI) mandate, banks should not insist on collateral security for loans up to ₹10 lakhs extended to Micro Small Enterprises (MSEs). This makes it easier for small businesses to access funding without pledging assets.
You can finance your business through various methods, including bank financing, gold-backed loans, and government-backed schemes. Business loans can help you upgrade premises, manage cash flow, expand operations, or build inventory, depending on your needs.
Yes. Manipal Fintech offers free tools such as credit score checks, EMI calculators, gold loan calculators, and expense management tools to help you make informed financial decisions. Check our tools & Calculators here.
Yes, unsecured business loans are widely available in India. At Manipal Fintech, we lenders offer loans without any collateral. Approval is based on your business performance - such as turnover, credit score and bank statements. No property or guarantor is required in most cases.
For unsecured business loans, eligibility is generally linked to your annual turnover. Most lenders offer between 10% to 20% of annual turnover, depending on overall financial health. For example, a ₹50 lakh turnover business may typically qualify for ₹5–10 lakh, though this can vary based on credit profile and lender policies. Final eligibility is shown after assessment through the platform.
There is no single fastest bank - approval speed depends on your profile and lender match. Different banks and NBFCs process applications at different speeds. Some may disburse within 24-72 hours once documentation is complete. Platforms like Manipal Fintech help compare multiple lenders so you can access the fastest available option for your profile.
Yes. Business loans are available for small shops, retailers and local businesses as well. Loan amounts can start from around ₹1 lakh, depending on eligibility and business performance.
