✓Minimal Documentation ✓Flexible Repayment ✓Collateral Free Loan | Apply for Business Loan Now! Apply Now

Epimoney Pvt Ltd  (FlexiLoans) is a Non-Banking Financial Corporation (NBFC) offering loans to small and medium-scale businesses in the country. The main aim of FlexiLoans business loans is to provide funds to small businesses as per their capital requirements. 

As a business owner, you can get a loan of up to ₹50 Lakhs. The rate of interest charged by FlexiLoans is also very low, starting from just 12% per annum. Apply for a FlexiLoans term loan on Bajaj Markets today.

FlexiLoans Business Loan Interest Rate & Charges

You may require external financing for a number of reasons at different points during the course of running a business. Additional funding may be needed to meet your operational costs, invest in capital assets, or even expand your business. 

Whatever the reason may be, a business loan from FlexiLoans can help you meet your funding requirements. Availing a loan from FlexiLoans via Bajaj Markets is a simple and hassle-free process.

But that’s not all. In addition to the easy application process, the FlexiLoans Business Loan interest rates are also very affordable, i.e. starting at 12% per annum. This makes it easier for you to repay the borrowed amount over the repayment tenure you choose. 

The interest rate and other charges levied on the FlexiLoans are -

Interest Rate

Starting at 12% per annum

Associated Charges

Processing fee: 1.5% - 2.5% of the loan amount

Repayment Tenure

12 - 36 months

Disclaimer - The interest rates and other charges of FlexiLoans may vary according to the NBFC’s discretion and guidelines issued by the RBI.

Factors That Determine Your FlexiLoans Business Loan Interest Rate

The FlexiLoans interest rate is determined by plenty of factors. Check out a few of the most important ones here.

  • Credit Score 

As a business owner, your credit score is one of the most important metrics that can determine the interest rate on a loan. The higher your credit score, the lower will be the rate of interest you get.

  • Monthly Business Revenue

The amount of revenue that your business generates is something that many lenders closely scrutinise. Generally, businesses with higher revenues tend to repay their debt obligations on time. 

Hence, if your business generates high levels of revenue, expect to get a very attractive rate of interest on your business loan.

  • Business Experience

The number of years you have been in the business is another major factor determining the interest rate applicable to you. More experience, the lower the rate of interest is likely to be.

  • Collateral

Although FlexiLoans business loans don't require collateral, pledging an asset can result in lenders offering a lower rate of interest.

Read More

Features and Benefits of FlexiLoans Business Loan

Flexible Repayment Structure

FlexiLoans Business Loans have a flexible repayment module ranging from 12 – 36 months. You can mention your preferred repayment module in the application form and pay the EMI accordingly.

Lower Interest Rates

FlexiLoans offer minimal interest rates (starting at 12%) that are economical in comparison to their competitors in the market.

Fast and Quick Procedure

From application to disbursal of funds, FlexiLoans offer a fast and seamless procedure to render a hassle-free experience to their customers.

Minimal Processing Fees

FlexiLoans charges 1.5%-2.5% of the loan amount as processing charges.

Easy Digital Process

With the entire loan process being completely online, you can avail the business loan instantly.

Zero Collateral

The FlexiLoans Business Loans do not require any collateral against the loan amount. This feature is helpful for many small business owners.

Quick Documentation Process

FlexiLoans have very simple eligibility criteria with a basic documentation process, enabling you to enjoy a stress-free experience.

Quick Fund Disbursal

Once a FlexiLoans application is approved, you can receive funds in your bank accounts within 48 hours.

Maximum Convenience

Thanks to relaxed eligibility criteria, FlexiLoans Business Loans are very accessible for a large section of businesses. That’s not all. Applying for one is also convenient and does not require the business owner to run from pillar to post.

Ideal for Various Scenarios

One of the major benefits of FlexiLoans Business Loans is that they can be used to manage a wide range of business expenses. Whether it is to stock up on inventory, meet daily expenses, purchase equipment, meet loan obligations or for marketing, business loans from FlexiLoans can come in handy. 

FlexiLoans Business Loan Eligibility Criteria

Now that you are familiar with the features and benefits of these loans, ensure to meet the following eligibility criteria for quick loan approvals.

  • You must be a resident of India

  • Your age must be between 21 and 65 years

  • The annual turnover of your business must be at least ₹12 Lakhs

  • Business vintage of at least 1 year is mandatory

Documents Required for a FlexiLoans Business Loan

Before you apply for a business loan from FlexiLoans, you need to ensure that you have all the required paperwork handy. This ensures that your application is processed quickly, without any hassle. 

Take a look at the different kinds of documents needed to apply for a loan from FlexiLoans on Bajaj Markets.

  • PAN card (mandatory requirement)

  • Address proof: Rental agreement / Driver's licence / Voter's ID / Ration card / Aadhaar Card / Passport / latest utility bills (less than 3 months old) / registered rent or lease agreement

  • Current account bank statement for the last 6 months

  • Proof of Business: GST registration certificate / Shops and Establishments Act certificate / PAN card of the business

  • Business Financials: Audited financial statements of the last 2 financial years, ITR for the previous 2 financial years, GST Returns of the past 6 months (if the loan amount is greater than ₹20 Lakhs)

Factors Affecting FlexiLoans Business Loans Eligibility

The eligibility criteria to qualify for a business loan can vary from one lender to another. In the case of FlexiLoans, you can simply look up the eligibility criteria mentioned above to check whether or not you qualify for business financing. 

That said, how exactly is your FlexiLoans Business Loan eligibility calculated? Well, as it turns out, different parameters play a key role in this regard. Here’s a closer look at these factors.

1. Age of the Applicant

The age of the applicant is one of the main criteria to determine and calculate the FlexiLoans Business Loan eligibility. The person applying for the loan on behalf of the business should meet the age requirements set by the lender.

2. Age of the Business

The age of the business also plays a key role in determining the FlexiLoans Business Loan eligibility. In the case of the loans offered by FlexiLoans, your business needs to have a vintage of at least one year.

3. Monthly Business Sales

The business income also plays a major role in establishing your FlexiLoans Business Loan eligibility. A source of income that is reliable and consistent reinstates the fact that your business is capable of repaying the loan borrowed. 

So, the monthly business sales made by your business are also used to calculate eligibility.

4. Business Stability

Lenders are more comfortable financing stable and established businesses, as this reduces the risk of bankruptcy. So, a more stable business has a better chance of availing loans at more affordable interest rates.

5. Creditworthiness of the Business

Lastly, credit scores are also used to calculate the eligibility of a business for availing loans from FlexiLoans. Businesses with higher credit scores automatically qualify for higher loan amounts and lower interest rates, while poor credit scores may lead to loan applications being rejected. 

Read More

FlexiLoans Business Loan EMI Calculator

A business loan EMI calculator is an online tool that lets you quickly compute your monthly EMI obligations. You can find a business loan EMI calculator on Bajaj Markets to help determine your FlexiLoans Business Loan EMI.


To use the tool, all that you need to do is enter the principal loan amount, the tenure, and the rate of interest of the loan. Upon entering these values, the calculator instantly displays the amount of EMI that you need to pay towards the loan. 

Now that you know how to use a FlexiLoans Business Loan EMI calculator, here’s how it works. The tool basically uses the below-mentioned mathematical formula to compute the monthly EMI. 

EMI = P*r*(1+r)^n / ((1+r)^n-1)


P = the loan amount 

r = the rate of interest (per month)

n = the tenure (in months) 

Assume that you take out a loan of about ₹15 Lakhs at a rate of interest of 15% per annum for a tenure of 5 years. Substituting these values in the above formula, we get - 

EMI = ₹15 Lakhs*0.0125*(1+0.0125)^60/((1+0.0125)^60-1)) 

= ₹35,685 per month 

Read More

How to Apply for a FlexiLoans Business Loan

Thanks to the digitised application process, getting a FlexiLoans Business Loan is extremely easy and takes only a few minutes.

  • Fill in Details Online

    Enter your personal and business details

  • Select Your Lending Partner

    From the list of loan offers, select FlexiLoans to proceed

  • Specify Personal Loan Details

    Select the loan amount and repayment tenure as per your choice

  • Approval & Disbursal

    Get online approval in 2 minutes and money in your bank within 48 hours

FlexiLoans Business Loan Customer Care

For any grievances or questions related to FlexiLoans, you can contact the customer care cell of the lender at 022-6821 9595 anytime from 10 AM to 7 PM. 

Alternatively, if you prefer to pen your queries or grievances, you could also send an email to connect@flexiloans.com for prompt redressal.

FAQs for Flexiloans

There are four types of loans offered by FlexiLoans, such as Term Loans, Vendor Financing, Loan Against POS, and Line of Credit.

For a loan above ₹5 Lakhs, you have to submit bank statements for the last 12 months along with the KYC documentation and business financial statements.

The maximum business loan amount offered by FlexiLoans is ₹50 Lakhs.

This depends on the repayment tenure you choose and the FlexiLoans Business Loan interest rate you are eligible for. 

For example, if you have availed a loan of ₹5 Lakhs at the rate of 1% per month, with a repayment tenure of 2 years, your EMI would come up to approximately ₹25,834.

The FlexiLoans Business Loan interest rate starts from 12% per annum.

Yes, a loan from FlexiLoans can help you meet the growing needs of your business. The loans are collateral-free and come with minimal documentation needs. 

Furthermore, they are also processed quickly and follow RBI-mandated policies. Above all, the FlexiLoans loan interest rates are affordable and easy on your finances.

You may not be able to avail a term loan with a credit score below 300.  

With FlexiLoans, you can get business loans as high as ₹50 Lakhs, depending on your eligibility.

The tenure of FlexiLoans business loans ranges from 12 months to 36 months. 

You can choose to pay your FlexiLoans Business Loan EMIs by issuing Post Dated Cheques (PDCs) or by setting up an Auto Debit mandate on your bank account.

FlexiLoans Business Loans can be used to meet a plethora of different requirements of your business. This includes business expansion, meeting working capital requirements, and bridging short-term cash flow gaps. 

There are many reasons why you should get a business loan from FlexiLoans. Some of its benefits include a faster online application process, competitive FlexiLoans interest rates and customisable tenure & repayment options. 

Swift application processing and disbursal of funds is also another reason why FlexiLoans Business Loans are beneficial.

Yes. In addition to interest, you may have to pay certain charges like loan processing charges, documentation fees and penalties for late payments, etc.

Although the time taken to process FlexiLoans Business Loan applications is quick, you can reduce the time even further. Providing all essential documents and filling out the entire online application without any mistakes are two ways to accelerate the loan approval process.

Loan Offer
Download App
Credit Score