When money flows smoothly, business grows smoothly.
With fast approvals, minimum documentation, direct bank tie-ups, and 100% transparency, Lunexa Solutions ensures you never feel lost in the loan process.
Running a business in India is full of opportunities, but we all know the truth — a dream needs finance to grow. Whether it's a new startup idea, expanding your existing shop, buying machinery, increasing stock, or managing working capital, a Business Loan acts as fuel for your growth.
Business Loans in India are now more accessible than ever. Banks and NBFCs offer flexible loan options specially designed for small businesses, startups, MSMEs, traders, manufacturers, freelancers and professionals.
But here’s the challenge most business owners face:
Which loan should I choose? Am I eligible? How much loan can I get? What documents do I need? Will the bank approve my loan?
This is where Lunexa Solutions becomes your trusted financial partner.
Eligibility Criteria
Every business wants to know — Am I eligible for a business loan?
Here is an easy breakdown:
1. Age Criteria
Most lenders accept applicants between:
21 to 65 years
2. Business Vintage
For most unsecured loans, the business must be at least:
1 to 3 years old
Startups can apply under startup loan categories.
3. Annual Turnover
Banks usually want to see:
Stable turnover and consistent sales
Turnover requirements vary based on loan amount.
4. Banking History
Healthy bank statements for the past 6–12 months are important.
5. ITR Requirements
Business owners may need:
Minimum 1–2 years of ITR
6. CIBIL Score
Most lenders prefer:
CIBIL score of 650+
But Lunexa Solutions guides even low CIBIL applicants.
Best Business Loan Schemes and Offers
Lunexa Solutions offers end-to-end assistance, no agent fraud, genuine direct bank submissions and seamless guidance.
Business Loans Interest Rates and Charges
Here are all the charges associated with taking a Business loan from Lunexa Solutions.
| Fees & Charge Type | Charge |
|---|---|
| Rack Interest Rate Range | Minimum 10.75% and maximum 22.50% |
| Loan processing charges | Up to 2.00%* of the loan amount NIL Processing Fees for loan facility up to ₹5 lakh availed by micro and small Enterprises subject to URC submission prior to disbursal |
| Premature Closure Charges (For Full Payment) |
Premature closure Charges (applicable on principal outstanding) post Cooling-off Period / look-up Period.
|
| Premature Closure Charges (For Part payment) |
Partial Premature closure charges (applicable on part payment amount) :-
Partial premature payment is allowed up to 25% of Principal Outstanding, only once in the |
Where Can You Use Your Business Loan?
Understanding Business Loans in India helps entrepreneurs take the right financial decisions. From working capital loans to MSME loans, every business has access to multiple funding options.
For Doctors
For Medical Shop
for Women
For CA
For Manufacturers
For Traders
For Professionals
For Self Employed
Our Legacy in Numbers
24 Hrs
98+
40Cr+
Lack of financial knowledge
Confusion about loan types
Incorrect documentation
Multiple rejections by banks
Fraud agents charging hidden money
No proper guidance
Why Choose Our Business loan
Features and Benefits of Business Loans
Quick Funding
When your business needs money, time matters. Loans help you get funds fast.
No Collateral Options
Many business loans do not require property or security.
Improve Your Business Credit Score
Regular EMI payments help build strong credit.
Multiple Loan Options
You can choose according to your business size and requirement.
Smooth Cash Flow
Helps manage payments, stock purchase and expenses.
Easy Online Process
Most submissions are digital with quick verification.
Frequently Asked Questions
Frequently Asked Questions
Benefits
- Transfer Loan Balance with Ease
Transfer your existing Business Loan to any Bank for lower EMIs, and enjoy our benefits
-
Attractive Interest rates on existing loan transfer.
-
Flexible tenure up to 48 months to transfer your loan balance, apply now.
-
- Dropline Overdraft Facility
Enjoy Overdraft Facility without any security. Limit is set in a separate Current Account which drops monthly till the end of the tenure. Pay the interest only on the amount utilised.
-
Dropline Overdraft Facility up to ₹1 lakh - ₹25 lakh*
-
No guarantor/ security required
-
Tenure ranging from 12-48 months
-
Attractive rate of interest
-
- Convenient Borrowing
- For any help with your loan, you can reach out to us Call +91-7388830379 Mail Us: info@lunexasolutions.in
Eligibility
- Nationality: Indian
- Age: 21-65 years
- Income: ₹1.5 lakh annually
- Turnover: ≥ ₹40 lakh
- Employment: 3 years in current business, 5 years business experience
- Profitability: 2 years
- Self-employed individual
- Proprietor, Private Ltd. Co.
- Partnership Firm involved in the business of Manufacturing, Trading or Services.
Loan Details
PAN Card
- A Permanent Account Number (PAN) Card is required for the Company/Firm/Individual applying for the Business Loan.
Identity Proof (Any one)
- Aadhaar Card
- Passport
- Voter's ID Card
- PAN Card
- Driving Licence
Address Proof (Any one)
- Aadhaar Card
- Passport
- Voter's ID Card
- Driving Licence
Bank Statement
- Bank statements of the previous six months are required.
Financial Statements
- Latest Income Tax Return (ITR), along with the computation of income
- Balance Sheet and Profit & Loss Account for the previous two years, after being CA Certified/Audited
Proof of Continuation (Any one)
- Income Tax Return (ITR)
- Trade Licence
- Establishment/Sales Tax Certificate
Other Mandatory Documents
- For Sole Proprietorship: Sole Proprietorship Declaration
- For Partnership Firm: Certified Copy of Partnership Deed
- For Company: Certified true copy of Memorandum & Articles of Association (certified by Director) Or Board resolution (Original).
Lunexa Solutions is a trusted financial consultancy firm offering personalised loan advisory and end-to-end support for Home Loans, Car Loans, Personal Loans, Business Loan, Loan against Securites, Loan against Properties and Credit Card L... Read More
Copyright 2025 | Designed And Developed By RNA Infotech