Instant Business Loans 2025 – Get Term Loans with Low Interest & Fast Online Approval Without Collateral

Looking to expand your business but unsure how to fund it? You’re not alone.

In 2025, thousands of Indian startups and SMEs are actively searching for term loans to fuel growth, manage working capital, buy equipment, or simply survive cash crunches. Whether you’re a new entrepreneur or a seasoned business owner, finding the right business term loan at the lowest interest rate can make or break your financial stability.

In this guide, we break down everything you need to know about short and long-term business loans in India, how to apply online, current interest rates, eligibility, and which loan fits your business model.

What is a Business Term Loan?

A business term loan is a type of business loan where a lump sum amount is disbursed to the borrower, repayable over a fixed tenure (term) through EMIs. These are ideal for:

• Business expansion

• Inventory purchase

• Equipment upgrades

• Hiring staff or managing payroll

Depending on your needs, you can apply for short-term business loans (up to 2 years) or long-term business loans (up to 10 years).

Types of Business Term Loans in 2025

Key Features of Term Loans for Business

Before you apply for any term loan, here are the main characteristics of term business loans in India:

1. Fixed Repayment Tenure

You’ll repay your loan over a predefined period — this is your business loan tenure, which can vary from a few months to several years.

2. Predictable EMIs

Most term loans come with fixed interest rates, helping you manage monthly repayments easily using an EMI calculator.

3. Flexible Use

You can use the loan for working capital, paying suppliers, expanding operations, or even product development.

4. Secured & Unsecured Options

Choose from secured business loans (lower interest) or unsecured business loans (faster disbursal, no collateral).

Eligibility & Requirements for Term Loans in India

To qualify for a term loan for business, lenders typically look at:

If you’re just starting, there are special startup business loans available with relaxed requirements.

How to Apply for Long & Short Term Loans Online in 2025

The term loan application process is now faster and more transparent than ever. Follow these simple steps:

1. Visit a Loan Aggregator or Bank Website — Examples include LendingKart, Indifi, HDFC, SBI, or Paisabazaar.

2. Compare Business Loan Interest Rates

3. Fill Online Application — Provide business details, turnover, and the loan amount needed.

4. Upload Basic Documents — Like bank statements, PAN, GSTIN, etc.

5. Get Instant Offer or Approval in 24–72 Hours

Term Loan Interest Rates in 2025

Interest on term loans depends on multiple factors:

• Type of lender (Bank/NBFC/FinTech)

• Loan amount and tenure

• Whether it’s secured or unsecured

• Your credit score and revenue

Estimated Term Loan Interest Rates:

• Banks: 8.5% — 14%

• NBFCs: 12% — 20%

• FinTech Lenders: 15% — 24% (for fast processing)

You can get lower term loan interest if you apply through long-term loan companies with better negotiation leverage.

Which Term Loan is Best for You?

Use a Business Loan Eligibility Calculator to know the loan amount you qualify for.

Real-Life Example:

Rohit, a 29-year-old entrepreneur from Delhi, launched a cloud kitchen in 2022. In 2025, he applied for a ₹10 lakh term loan via an NBFC to open his second branch. Despite no collateral, he was approved within 3 days and is now repaying over a 3-year tenure at 15% interest.

Lesson: A good CIBIL score + stable revenue = easy approval, even for unsecured term loans.

5 Most Asked FAQs on Business Term Loans in India

1. What is the maximum tenure available for business term loans?

Most lenders offer up to 10 years for secured loans. Business loan maximum tenure depends on the lender and loan type.

2. Can I get a term loan for a new business with no ITR?

Yes, startup loans for new businesses and online business loans from NBFCs often don’t require ITR for the first year.

3. What’s the difference between a working capital loan and a term loan?

Working capital loans are short-term, revolving credit. Term loans are fixed tenure loans used for expansion or capital expenditure.

4. Are there government term loans for MSMEs in 2025?

Yes! Schemes like PMEGP, CGTMSE, and Stand-Up India offer term loans with subsidies for eligible small businesses.

5. How to get the lowest interest on term loans?

Maintain good credit, provide proper documents, and apply to banks or top NBFCs to get the lowest business loan interest rate.

Final Thoughts: Choose the Right Business Loan Today

Whether you’re planning long-term growth or need short-term cash flow support, term loans for business are the most reliable financing solution in India today. With multiple online platforms, it’s easier than ever to apply for business loans, compare offers, and get funding fast.

Don’t wait. Use 2025’s digital tools, understand your term loan requirements, and take your business to the next level.

Ready to Apply?

Explore India’s best term business loans online and choose the one that fits your vision — short-term, long-term, secured or unsecured, it’s your call. Just ensure you’re financially prepared and pick the right lender.