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Get a short-term business loan of up to ₹80 Lakhs with interest rates starting from 14% p.a., collateral-free funding, and quick disbursal, often within 48 hours of approval.
Last updated on: Oct 15, 2026
Short-term business loans offer quick access to funds without long-term commitments. Ideal for urgent needs, they help manage cash flow and support business growth. With flexible repayment options and minimal hassle, these loans provide a convenient solution for today’s fast-paced and evolving business environment.
A short-term business loan is a business financing solution designed to meet immediate funding requirements, typically with repayment periods ranging from a few months to about 36 months, although some lenders may offer longer tenures depending on the product structure.
Managing a business involves numerous functions and objectives. However, some business requirements are more urgent or short-term than others. Conventional business loans often require longer application and processing timelines and may not always suit urgent funding needs.
This is where a short-term business loan comes in. Financial institutions listed on Bajaj Markets offer short-term business loans online to provide quick financial support for a limited period. The funds can be used to expand operations, recruit additional staff, purchase inventory, or cover essential operational costs.
Short-term business loans generally fall under the category of unsecured credit. This means you do not need to pledge any collateral to obtain them. Approval is typically based on factors such as your credit profile, business performance, income documents, and repayment history.
Short-term business loans are commonly used when funding is needed quickly and the repayment period can be kept relatively short.
| Use Case | Why Short-term Financing Fits |
|---|---|
Inventory Purchase |
Helps businesses stock inventory ahead of seasonal demand or sales cycles without disturbing working capital |
Payroll Management |
Assists in meeting salary obligations during temporary cash flow shortages |
Seasonal Business Demand |
Provides funds to manage increased demand during festivals, peak seasons, or promotional campaigns |
Urgent Equipment Repairs |
Helps businesses address machinery breakdowns or operational disruptions quickly |
Supplier Payments |
Ensures timely vendor payments and uninterrupted business operations |
Working Capital Gaps |
Supports routine business expenses during temporary liquidity shortages |
Business Expansion Opportunities |
Helps fund short-term growth initiatives that can generate near-term returns |
Because these loans generally involve faster approval and shorter repayment periods, they are often used for immediate operational requirements rather than long-term capital investments.
If you frequently need immediate financing, short-term business loans can help you meet your goals efficiently.
Short-term loans offer flexible repayment tenures, allowing you to choose a repayment period that aligns with your financial capacity and business cash flows.
Instant business loans can help businesses bridge temporary cash flow gaps and support short-term growth opportunities such as inventory purchases and vendor payments.
Businesses can use the funds for expansion activities, marketing campaigns, recruitment, or operational improvements without long-term borrowing commitments.
You can access funding of up to ₹80 Lakhs to manage various business-related expenses and growth requirements.
Once approved, many lenders can disburse funds within 48 hours, helping businesses address urgent financial requirements without significant delays.
Many short-term business loans are unsecured, allowing eligible businesses to access funding without pledging assets as collateral.
Explore some of the lenders offering business loans through Bajaj Markets. Compare interest rates, loan amounts, and fees before applying.
| Available Offerings | Starting Interest Rate | Maximum Loan Amount | Maximum Loan Tenure | Processing Fee |
|---|---|---|---|---|
14% p.a. |
₹80 Lakhs |
96 months |
Up to 4.72% of the loan amount (inclusive of taxes) |
|
15.5% p.a. |
₹75 Lakhs |
60 months |
Up to 2% of the loan amount + GST |
|
17% p.a. |
₹75 Lakhs |
72 months |
Up to 3% of the loan amount |
|
18% p.a. |
₹50 Lakhs |
42 months |
Up to 2.5% of the loan amount |
|
12% p.a. |
₹10 Lakhs |
36 months |
3% to 4.25% of the loan amount |
|
17.25% p.a. |
₹35 Lakhs |
36 months |
Up to 3% of the loan amount + GST |
|
20.5% p.a. |
₹35 Lakhs |
36 months |
1% to 6% of the loan amount |
|
22% p.a. |
₹10 Lakhs |
36 months |
3% to 4% of the loan amount + GST |
|
22% p.a. |
₹30 Lakhs |
36 months |
Up to 3% of the loan amount + GST |
|
22% p.a. |
₹10 Lakhs |
36 months |
Up to 4.72% (inclusive of taxes) |
|
29.5% p.a. |
₹2 Lakhs |
30 months |
Up to 2% of the loan amount |
Disclaimer: The above-mentioned information is subject to change as per changes in the lenders’ policies
The interest rate offered on a short-term business loan varies based on several factors assessed by lenders.
Credit Score: Borrowers with stronger credit profiles may have access to more favourable loan terms.
Business Vintage: Established businesses with a longer operating history may be viewed differently from newer businesses.
Annual Turnover: Stable and higher turnover can indicate better repayment capacity.
Loan Tenure: Short-term loans often carry different pricing structures because the repayment schedule is compressed into a shorter period.
Unsecured Nature of the Loan: Since many short-term business loans are collateral-free, lenders may factor this into their risk assessment.
Existing Financial Obligations: Current EMIs and business debt levels can influence the offered rate.
Industry Profile: Lending terms may vary based on the business sector and associated risk profile.
To apply for a business loan on Bajaj Markets, you might have to meet the lender's standard criteria:
| Parameter | Requirement |
|---|---|
Citizenship |
Indian citizen |
Age |
21 years or above |
Business Vintage |
Typically operational for 1 to 3 years or more, depending on lender requirements |
Credit Score |
Generally 700 or above |
Employment Status |
Self-employed professional, self-employed non-professional, proprietor, partnership, LLP, or private limited company |
Annual Turnover |
Minimum turnover requirement as specified by the lender |
Business Registration |
Applicable business registration and compliance documents may be required |
Documentation requirements may vary across lenders. Keep the following documents ready before applying.
PAN Card
Aadhaar Card
Passport
Driving Licence
Voter ID
Aadhaar Card
Passport
Driving Licence
Utility Bills
Lease Agreement
Voter ID
Income Tax Returns (ITR)
Profit and Loss Statement
Balance Sheet
Bank Statements for the last 6 months
Sole Proprietorship Declaration
Partnership Deed
Memorandum and Articles of Association (MOA & AOA)
Business Registration Documents
You can apply for a short-term business loan online through Bajaj Markets by following these steps:
Click on the ‘Apply for Loan’ button on this page.
Choose your profession and enter your mobile number and PIN code.
Verify your mobile number using the OTP sent to your registered number.
Review and accept the applicable terms and conditions.
Click ‘CHECK YOUR OFFER’ and complete the lender application journey as guided.
After document verification and approval, the loan amount will be disbursed to your registered bank account.
Businesses often need to choose between short-term and long-term financing depending on the purpose of borrowing.
| Parameter | Short-term Business Loan | Long-term Business Loan |
|---|---|---|
Tenure |
Typically a few months to 36 months |
Can extend from several years to over a decade |
Loan Purpose |
Working capital, inventory, payroll, urgent expenses |
Expansion, infrastructure, major assets, long-term growth |
Loan Amount |
Generally lower to moderate funding requirements |
Often suited for larger funding requirements |
Interest Rate |
May differ due to shorter repayment periods and unsecured nature |
Varies by lender, tenure, and security offered |
Security |
Often collateral-free |
Can be secured or unsecured |
Best For |
Immediate business needs and cash flow gaps |
Strategic business expansion and long-term investments |
Businesses seeking longer repayment periods may also explore a Long-term Business Loan.
Disclaimer
Reviewer
A short-term business loan can help address urgent funding needs such as working capital shortages, payroll obligations, inventory purchases, supplier payments, or time-sensitive growth opportunities that require immediate funding.
Short-term business loans typically have repayment periods ranging from a few months to around 36 months. However, some lenders on Bajaj Markets may offer business loan products with tenures extending up to 96 months, depending on the loan type and eligibility.
A short-term business loan can be useful for businesses that need quick access to funds and can comfortably manage repayments within a shorter timeframe. Suitability depends on the borrowing requirement and repayment capacity.
Short-term business loan interest rates on Bajaj Markets start from 14% p.a.. The final rate depends on factors such as credit score, business performance, loan tenure, lender policies, and overall risk assessment.
Many lenders offer quick approvals and may disburse funds within 48 hours after approval and successful document verification. Actual timelines vary according to the lender and applicant profile.
Yes. Many short-term business loans available through lending partners are unsecured and do not require collateral. Instead, lenders assess credit history, business performance, turnover, and repayment capacity.
Many lenders prefer applicants with a credit score of 700 or above. However, eligibility requirements vary across lenders and may also depend on business performance and financial profile.
Many lenders allow loan prepayment or foreclosure subject to their terms and conditions. For eligible floating-rate loans covered under applicable RBI regulations effective from 1 January 2026, prepayment charge provisions may differ based on borrower category and lender type.
You can get a short-term business loan of up to ₹80 Lakhs through eligible lending partners on Bajaj Markets. The approved amount depends on factors such as turnover, repayment capacity, credit profile, and lender policies.
Eligibility generally depends on the lender's minimum business vintage criteria. Many lenders require businesses to be operational for at least 1 to 3 years before applying.
A short-term business loan provides a lump sum amount that is repaid through fixed instalments over an agreed tenure. An overdraft is a revolving credit facility where interest is charged only on the amount utilised from the approved limit.
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