To assist aspiring business owners, the Indian has launched a number of business loans, but a business loan in 2025 can be critical for several reasons—especially with evolving economic conditions and tech-enabled lending options.
Explore the top 5 Business loans in India based on approval speed, benefits, ratings, and user reviews.
1. indifi Business Loan
Rating: ⭐⭐⭐⭐
Key Benefit: Provide sector-specific online loans.
Overview: Indifi offers Business Loan of ₹50 lakhs-₹1 crore. It partners with platforms like Amazon, Zomato, and Flipkart to offer sector-specific financing.
Review: It provides quick approval with limited documents required, and it is best for sector-specific businesses.
Pros:
Provide Sector-specific loans (restaurant, travel & E-Commerce)
Quick Payout
Cons:
High interest rate.
Provide a minimum loan for a new business.
2. Flexiloans business loan
Rating: ⭐⭐⭐⭐⭐
Key Benefit: Provide fast & paperless loans up to ₹1 crore.
Overview: FlexiLoans provides a range of unsecured loan products, including term loans, working capital loans, and POS-based loans.
Review: it is known for providing flexible, fast- funding and special loans for women entrepreneurs and e-commerce sellers
Pros:
High loan limits (₹1 crore)
Fast approval (often in 24–48 hours)
User-friendly online portal
Cons:
High Interest rates (16–28% p.a.)
Compromised customer service.
3. Lendingkart business loan
Rating: ⭐⭐⭐⭐⭐
Key Benefit:
Overview: it is a digital lending platform and is known to serve small businesses that may not qualify for conventional bank loans.
Review: Companies with a solid digital banking history but poor credit can lend loans from lendingkart.
Pros:
Flexible repayment options
Minimal documentation
Cons:
No offline branches for support
Requires digital transaction trail
4. IIFL Finance business loan
Rating: ⭐⭐⭐⭐
Key Benefit: it is hybrid model which provides both offline and online support
Overview: It provides flexible terms, a physical branch network, and both secured and unsecured business loans.
Review: It provides trustworthy customer support and structured loan options. It offers broad-range access to all business sectors.
Pros:
Available across India via branches
Personalized assistance for loan structuring
Cons:
Requires more documentation
Strict eligibility for large amounts
5. Tata Capital business loan
Rating: ⭐⭐⭐⭐⭐
Key Benefit: It gives a high amount on a low interest rate.
Overview: Both secured and unsecured loans are available from Tata Capital to small and medium-sized enterprises.
Review: provides reasonable rates and organized repayment to reliable companies.
Pros:
Low interest starting at ~12% p.a.
Trusted brand and strong customer support
Cons:
Slower approval process (5–10 days)
Strict credit and documentation requirements
Final Thoughts: Which Personal Loan is Right for You?
Each of these top 5 personal loans offers something unique:
Indifi for Inventory purchase for e-commerce & restaurant capital on Swiggy/Zomato.
Flexiloans to manage short-term working capital needs & business expansion.
Lendingkart for early-stage MSMEs.
IIFL for asset purchase (via secured loans) & Stable businesses in Tier-2/3 cities.
Tata capital for Long-term business expansion.
Tip: Always compare interest rates, processing fees, and eligibility before applying.