E-commerce Business Loan

With rapid technological growth, e-commerce has become a thriving sector in India. Entrepreneurs looking to start or scale their online ventures can leverage e-commerce business loans to enter this growing market. These loans offer timely funding to support operations, marketing, and expansion. 

On Bajaj Markets, these loans come with flexible repayment, competitive interest rates, and a loan amount of up to ₹80 Lakhs.

These loans offer flexible, accessible funding to help your online venture grow. These loans are tailored to meet the evolving needs of digital businesses. Key features of loans for e-commerce businesses include:

• Online Access to the Loan Account

Track your loan status, outstanding balance, and repayment schedule through a secure online portal or mobile app. This ensures easy monitoring and control over your loan at any time.

• Competitive Interest Rates

As per your eligibility, you can receive funding of up to ₹80 Lakhs at competitive interest rates. This enables you to meet major business expenses while keeping borrowing costs manageable.

• No Need for Security

These are unsecured loans for which you do not require any collateral or asset pledge. This makes funding accessible even for small or asset-light businesses.

• Hassle-free Processing

Receive quick approvals with minimal documentation and simple eligibility checks. The streamlined process helps you access funds without delays.

• High Loan Amount

You can borrow up to ₹80 Lakhs to support inventory purchases, marketing, technology upgrades, or other business needs. This ensures you have sufficient capital to scale operations.

• Quick Disbursal

Loan amounts are typically credited directly to your bank account shortly after approval. This helps you meet urgent business needs without interruption.

• Flexible Tenures

Choose repayment periods of up to 96 months, tailored to your business cash flow. Longer terms make it easier to manage EMIs and maintain liquidity.

• No Hidden Charges

All applicable fees and charges are disclosed upfront, ensuring complete transparency. This helps you plan your finances without unexpected costs.

• Competitive Interest Rates

Benefit from attractive interest rates starting from 14% per annum. This makes the loan affordable and helps reduce the overall cost of borrowing.

• Simple Online Application

Apply anytime, from anywhere, through a 100% digital platform. The process is user-friendly and eliminates the need for physical paperwork.

E-commerce start-up loans come with competitive interest rates and transparent fee structures. You can manage your borrowing costs easily with clearly defined charges and flexible repayment terms. The table below shows the interest rates and repayment tenures offered by various lenders partnered with Bajaj Markets:

Disclaimer: The above-mentioned information is subject to change as per changes in the lenders’ policies.

To be able to secure a loan with ease, you need to fulfil the following business loan eligibility criteria:

• Your age must be at least 21 years 

• You must be a citizen of India with a CIBIL score of 700 or above 

• You must be a self-employed individual, either professional or non-professional 

• You must have a business vintage of at least 1-3 years 

• Your business can be registered as a limited liability partnership, registered as a partnership, or a private limited company 

• Your business must have a minimum annual turnover of ₹1 Lakh

The following is the list of documents required for a business loan:

• Identity Proof: PAN Card, Aadhaar Card, Driving licence, Voter ID, or Passport 

• Address Proof: Lease Agreement, Utility bills, Aadhaar Card, Passport

• Income Proof: Last 6 months Current Account Bank Statement, ITR and income computation, balance sheet for last 2 years, and profit and loss statements 

• Business Proof: Authenticated copy of partnership deed, Sole Proprietorship Declaration, Articles of Association, and Certified copy of Memorandum

Applying for an e-commerce business loan on Bajaj Markets is quick and entirely online. You can check your eligibility and complete the application in just a few steps: 

1. Click on the ‘Apply Now’ button on this page

2. Provide your basic personal and professional details in the online form

3. Accept the terms and conditions after reading carefully

4. Click on the ‘CHECK YOUR OFFER’ button and wait for a representative to contact you

There are several scenarios where an e-commerce loan could be beneficial for your business. They are as follows:

• Expanding Your Business

When your business continues to grow, expansion helps contribute to your profit margins and ensures stable finances. By getting a loan, you can cover expansion expenses for your business without exhausting your operational funds and continue to grow your business.

• Purchasing New Inventory for Your Business

When running a business, you need to keep up with the demand and provide improved alternatives to your customers. These costs can increase significantly when your business depends on seasonal inventory. 

However, a loan can help you manage inventory costs, allowing you to meet customer demand and keep up with trends without affecting your cash flow.

• Hiring New Employees for Better Management

If you need a helping hand for your business, you can hire skilled employees to manage operations efficiently. Use the loan amount to cover the monthly salary, so that you do not have to compromise on hiring qualified staff for your business.

• Redesigning Your Online Website

Setting up your company's website is a smart way to get your company out in the market. With e-commerce financing, you can set up a new website or upgrade an existing one to enhance usability and improve customer experience.

• Supplementing Your Marketing Budget

You should never overlook the importance of marketing, no matter how good your products or services are. With a business loan, you can finance your marketing budget on various platforms and spread the word, which will ultimately increase sales.

• Covering Day-to-Day Business Operational Expenses

Cash flow is always a challenge for a small business when you have unsold inventory that needs to be moved to bring in new products. Maintaining a smooth money flow through your business ensures uninterrupted operations and continued customer acquisition. It also helps compensate for any short-term losses.

As more and more e-commerce businesses are being set up in India, there will be a need for additional sources of funding to get the business going. Business loans available on Bajaj Markets can help e-commerce businesses in their growth. They come at affordable interest rates. 

With the Bajaj Markets app, you can secure loans, make online payments, buy insurance, make investments, etc., in a convenient way. By securing loans at attractive interest rates, you can use e-commerce finance to undertake various business operations. 
For instance, expansion of your business, acquisition of other companies, buying high-value items or getting new machinery and equipment, etc.

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.