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Get a commercial loan of up to ₹80 Lakhs, with interest rates starting from 14% p.a., repayment tenures extending up to 96 months, and both secured and unsecured borrowing options.
Last updated on: Oct 15, 2026
A commercial loan is a type of business financing that can help increase working capital, purchase machinery, or develop commercial infrastructure. These loans can be short-term or long-term, and may be secured or unsecured. Unlike Personal Loans, these are tailored to meet the professional requirements of various organisations, ranging from Small and Medium Enterprises (SMEs) to large corporations. Whether your business is a sole proprietorship, a partnership firm, or a private limited company, a commercial loan offers the necessary capital to scale operations.
These funds are primarily used to:
Boost Working Capital: Manage daily operational costs, such as payroll, rent, and utility bills, ensuring a smooth cash flow even during lean periods.
Acquire Assets: Purchase essential machinery, heavy equipment, or commercial vehicles required for production and distribution.
Develop Infrastructure: Finance the purchase, renovation, or expansion of office spaces, warehouses, or retail outlets.
A commercial loan allows businesses to obtain funding from a lender and repay it over an agreed tenure through scheduled instalments. Before sanctioning the loan, lenders evaluate the applicant's business profile, repayment capacity, turnover, and creditworthiness.
| Stage | What Happens | What You Provide |
|---|---|---|
Application & Assessment |
The lender reviews your funding requirement and evaluates business performance |
Loan application, business details, financial records |
Credit Evaluation |
Creditworthiness, business vintage, turnover, and repayment capacity are assessed |
Credit history, bank statements, income records |
Sanction & Agreement |
The lender issues a sanction letter outlining terms and conditions |
Acceptance of loan terms and execution of agreements |
Disbursal |
Approved funds are credited to the business account or vendor |
Bank account details and completed documentation |
Repayment |
The loan is repaid through EMIs over the chosen tenure |
NACH mandate or repayment instructions |
Disclaimer: The information mentioned above is subject to change as per the lender’s terms and policies.
Commercial loans offer structured financing solutions that can support businesses at various growth stages.
| Feature | Benefit |
|---|---|
Business-Focused Funding |
Funds can be used for operational expenses, expansion, inventory, or infrastructure |
Flexible End Use |
Financing may support equipment purchases, working capital requirements, renovations, and commercial assets |
Secured and Unsecured Options |
Businesses can choose funding based on collateral availability |
Flexible Repayment Tenures |
Repayment periods vary according to the loan type and lender policies |
Fixed or Floating Rates |
Borrowers may choose repayment structures suited to their requirements |
High Loan Amounts |
Commercial loans typically offer larger borrowing limits than many retail credit products |
Multiple Borrower Profiles |
Available for proprietorships, partnerships, LLPs, and private limited companies |
Different commercial loan products cater to different business requirements.
| Type | Is it Secured | Typical Tenure | Best For |
|---|---|---|---|
Term Loan |
Secured/Unsecured |
1-8 Years |
Business expansion, inventory, growth funding |
Equipment Financing |
Usually Secured |
5-7 Years |
Machinery, vehicles, technology purchases |
Bank Overdraft Facility |
Usually Secured |
Renewable |
Managing short-term cash-flow gaps |
Commercial Real Estate Loan |
Secured |
Up to 15+ Years |
Purchase or renovation of commercial property |
Construction Equipment Loan |
Secured |
1-5 Years |
Construction machinery acquisition |
Letter of Credit |
Trade Finance Instrument |
Transaction-Based |
Domestic and international trade |
Collateral-Free SME Loan |
Unsecured |
Varies by lender |
Small business financing without security |
Bank Guarantee |
Security-Based Facility |
Contract-Based |
Performance guarantees and contractual obligations |
Below are the various business loans offered by partner lenders on Bajaj Markets. Compare interest rates and tenures to choose the best fit for your business goals.
| 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
Lenders assess several factors before determining the applicable interest rate on a commercial loan.
Credit Score: Strong repayment history and higher credit scores may improve loan eligibility.
Business Vintage: Established businesses with longer operating histories are generally viewed differently from newly established firms.
Annual Turnover: Higher and stable turnover may indicate repayment capacity.
Security Offered: Secured loans may attract different pricing than unsecured borrowing.
Loan Tenure: Longer tenures can affect overall lending risk and pricing.
Industry Profile: Some sectors may be assessed differently depending on market conditions and business risk.
Existing Debt Obligations: Current loan exposure and repayment commitments may influence the offered rate.
Before applying, review the lender's eligibility requirements.
| Parameter | Requirement |
|---|---|
Citizenship |
Indian citizen |
Age |
At least 21 years |
Credit Score |
Generally 700 or above |
Business Structure |
Registered partnership, LLP, private limited company, or other eligible business entity |
Annual Turnover |
As required by the selected lender |
Business Vintage |
Must meet lender-specific operational history requirements |
Document requirements may vary depending on the lender and loan type. Commonly requested documents include:
| Document Type | Examples / Details |
|---|---|
Identity Proof |
Aadhaar Card, Passport, Driving Licence, Voter ID |
PAN Card |
Mandatory for applicant/entity |
Address Proof |
Passport, Electricity Bill, Telephone Bill, Ration Card |
Business Proof |
Registration Certificate, Shop & Establishment Certificate, Trade Licence |
Financial Documents |
Audited financial statements, ITRs, bank statements |
Business Plan |
Revenue projections, market strategy, repayment plan |
Ownership Documents |
Partnership Deed, MOA & AOA, Board Resolution |
Collateral Documents |
Property papers or asset documents, where applicable |
Disclaimer: Documentation requirements vary as per lender policies.
The process to apply for a Business Loan on Bajaj Markets is quick and hassle-free. Just follow these simple steps:
Step 1: Click on the ‘Apply For Loan’ button on this page to begin your application
Step 2: Choose ‘Business Owner’ from the dropdown options
Step 3: Enter your mobile number, verify it via OTP, and provide your area pin code
Step 4: Click on the ‘CHECK YOUR OFFER’ button to explore personalised loan offers from trusted partner lenders
Step 5: Select a suitable offer, fill in your business details, and upload the necessary documents
Step 6: Once your documents are verified and the application is approved, the amount will be disbursed to your bank account
The terms are often used interchangeably, but there can be differences depending on the lender and loan product.
| Parameter | Commercial Loan | Business Loan |
|---|---|---|
Scope |
Broad category covering multiple business financing products |
Often refers to a specific unsecured financing product |
Security |
Can be secured or unsecured |
Frequently unsecured, though secured variants exist |
Loan Amount |
May include high-value funding for assets or commercial property |
Generally used for operational and growth funding |
Tenure |
Can range from short-term to 15+ years for property-backed loans |
Commonly ranges from months to several years |
End Use |
Infrastructure, equipment, property, working capital |
Working capital, expansion, inventory, operations |
A business loan can be considered one type of commercial financing, while commercial loans may include a wider range of lending solutions such as commercial property loans, equipment financing, guarantees, and trade finance facilities.
Disclaimer
Reviewer
A commercial loan is a financing facility designed for business purposes such as expansion, working capital management, asset acquisition, infrastructure development, or equipment purchases. These loans may be secured or unsecured and are offered by banks and NBFCs.
Eligibility generally requires the applicant to be an Indian citizen aged 21 years or above, with an eligible business entity, satisfactory credit profile, and sufficient business turnover as specified by the lender.
Commercial 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 whether the loan is secured or unsecured.
Yes. Certain lenders offer unsecured commercial loans without requiring collateral. On Bajaj Markets, collateral-free business financing options may be available for eligible applicants, subject to lender criteria.
You can get a commercial loan of up to ₹80 Lakhs through eligible lending partners on Bajaj Markets. Some secured commercial property-backed loans may offer higher borrowing amounts depending on lender policies.
Approval timelines vary by lender, borrower profile, and document verification requirements. The exact approval and disbursal period depends on the selected lender's process and eligibility assessment.
Commercial loan tenures can extend up to 96 months for many unsecured business loans. Certain secured loans, such as commercial real estate loans, may offer repayment periods of 15 years or longer.
Startups may be eligible depending on the lender's requirements regarding business vintage, registration status, and turnover. Businesses seeking startup-focused funding can also explore a Business Loan for Startups.
A commercial loan is a broad category of business financing products, while a term loan is one specific type of commercial loan where funds are borrowed for a fixed duration and repaid through scheduled instalments.
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