Fund Your Business. Grow Without Limits.
Working capital, machinery, expansion, or overdraft — ₹5L to ₹2 Crore from 60+ lenders at rates from 12% p.a.
Subject to credit & business assessment · Rates 12%–36% p.a. · Tenure 12–84 months
6 Business Loan Products
Working Capital
₹5L–₹1Cr
Equipment Finance
₹10L–₹2Cr
Business Expansion
₹10L–₹2Cr
Overdraft / LOC
₹5L–₹75L
MSME / SME Loan
₹1L–₹1Cr
Invoice Discounting
₹5L–₹50L
60+
Partner Banks & NBFCs
Incl. fintechs
48hr
Loan Approval Time
From doc submission
12%
Starting Interest Rate
Per annum (secured)
₹2 Cr
Maximum Loan Amount
For eligible businesses
Choose the Right Business Loan
Different businesses need different capital solutions. We offer 6 products — our advisors help you choose the right one for your exact need.
Working Capital Loan
Fund day-to-day operations — inventory, salaries, raw materials, and short-term expenses without disrupting cash flow.
Amount
₹5L – ₹1Cr
Tenure
12–36 months
Equipment & Machinery Finance
Purchase or upgrade plant, machinery, or equipment. The asset itself often serves as collateral for better rates.
Amount
₹10L – ₹2Cr
Tenure
24–84 months
Business Expansion Loan
Scale your business — open new branches, hire staff, enter new markets, or upgrade infrastructure.
Amount
₹10L – ₹2Cr
Tenure
24–60 months
Business Overdraft / Line of Credit
A revolving credit limit you draw from as needed and repay when cash flows in. Pay interest only on utilised amount.
Amount
₹5L – ₹75L
Tenure
12–24 months
MSME / SME Loan
Government-backed and private MSME loans for registered micro, small, and medium enterprises across Karnataka.
Amount
₹1L – ₹1Cr
Tenure
12–60 months
Trade Finance / Invoice Discounting
Get immediate liquidity against outstanding invoices or purchase orders. Ideal for businesses with B2B payment cycles.
Amount
₹5L – ₹50L
Tenure
30–180 days
The Smarter Way to Fund Your Business
We don't just connect you to one lender — we navigate 60+ options to find the best fit for your business profile.
Fast Approval in 48 Hours
Our streamlined digital process and 60+ lender network means business loan decisions arrive within 48 hours — not weeks.
6 Loan Products Under One Roof
From working capital to equipment finance — we assess your business need and match you with the most suitable product.
Secured & Unsecured Options
No assets? No problem. We have unsecured business loan options up to ₹75L based on your business revenue and creditworthiness.
Dedicated Business Advisor
A relationship manager with business lending expertise guides you from document preparation to final disbursement.
MSME Government Schemes
We help eligible businesses access CGTMSE, Mudra, and other government-backed schemes for subsidised interest rates.
All Business Structures Welcome
Sole proprietorship, partnership, LLP, private limited, or OPC — we have lender partners for every business type.
Get Your Business Loan in 5 Steps
From sharing your business details to receiving funds — fully digital, advisor-assisted.
Share Business Details
Tell us your business type, vintage, annual turnover, and required loan amount. Takes under 5 minutes.
Select Loan Product
Our advisor reviews your profile and recommends the best loan product — working capital, term loan, or OD facility.
Upload Documents
Submit documents digitally — business registration, ITR, bank statements, GST returns. No branch visit.
Receive Lender Offers
Get multiple pre-approved offers from our 60+ partner banks and NBFCs. Compare rates, terms, and processing fees.
Funds Disbursed
Accept the best offer, complete final KYC, and receive funds directly in your business account within 2–3 working days.
Does Your Business Qualify?
Check eligibility criteria and documents needed to apply.
Eligibility Criteria
Note: Eligibility varies by lender and loan product. Final assessment is at the lender's discretion. Subject to credit and business due diligence.
Documents Required
- Business Registration / Certificate of Incorporation
- PAN Card (Business & Proprietor/Directors)
- Aadhaar Card of all promoters
- Last 2 years ITR with P&L and Balance Sheet
- 12 months current account bank statements
- GST Returns (last 12 months)
- Latest audited financials (for loans above ₹50L)
- Office / shop address proof
Documents vary by loan product and amount. For secured loans above ₹50L, property documents and valuation report are also required.
Our lending network
60+ Banks, NBFCs & Fintech Lenders
Businesses That Grew With Us.
Real Bangalore business owners. Real capital. Real growth.
“Applied for a working capital loan on Monday, had the funds by Thursday. Our expansion into the second outlet finally happened!”
Arjun Shetty
Restaurant Owner · Koramangala
“Needed machinery finance urgently. OpenCredit matched us with an asset-backed loan at a rate I didn't expect. Complete professionals.”
Meena Iyer
Garment Manufacturer · Peenya
“As an LLP with 3 years of operation, getting a business loan was frustrating. OpenCredit found 4 lenders who actually understood our business.”
Ravi Kumar
IT Services Firm · Whitefield
“They helped us access CGTMSE-backed lending which reduced our processing fees significantly. Highly knowledgeable team.”
Sunita Reddy
Pharma Distributor · Rajajinagar
“Large loan, complex profile. But OpenCredit's advisor sat with us for an hour, prepared our case, and we got approved in 5 days.”
Farhan Khan
Construction Contractor · Yeshwanthpur
“Used an OD facility to manage seasonal cash flow. It's been a game-changer — I draw what I need and only pay interest on that amount.”
Kavitha Nair
Bakery Chain Founder · HSR Layout
Common Questions
Ready to Fuel Your Business Growth?
Talk to our business loan advisor — free consultation, no obligation.
Subject to credit and business assessment. Loans disbursed by RBI-registered partner banks/NBFCs.
Open Credit is a loan marketplace/DSA. Loans disbursed by RBI registered partner banks/NBFCs.