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Hiranandani Financial Services Pvt. Ltd.

Loans for
Business Expansion
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  • Collateral free loan
  • Longer tenure loan, easy repayment
  • No guarantor required

Business Loans


Running or expanding a business can become challenging as one has to maintain the required cash flow at all times. A business loan can help greatly in providing the necessary funds at the right time to grow or sustain a business. Applying for small business loans at HFS is very convenient and the funds get disbursed quickly if the eligibility criteria are met. Let’s look at how these loans can be customized as per your business needs.

Uses of business loans:

Upgrade your office
premises/facilities

Complete all pending
office repairs

Increase
working capital

Expand your business by
opening more branches

Pay off your
high-cost debts

Why the HFS business loan is ideal for you:

Easy and fast process:

Applying for a business loan at HFS is a matter of 3 easy steps. Simply call us at your doorstep, apply for a loan, get quick loan approval and receive the necessary funds in your account!

Collateral-free

Yes, you heard that right. Our smart business loans are collateral and guarantor-free, so you don’t have to be worried about either. As long as you have the zeal to grow, our business loans are just right for you.

Repayment tenure

The tenure for smart loans or collateral-free loans goes up to 5 years; while that for secured business loans goes for as long as your business needs. At HFS, you have the flexibility to choose the type of loan and tenure depending on your requirements.

Hassle-Free documentation

We understand that receiving the right funds at the right time is crucial for any business. With minimal documents, we ensure faster disbursal of the business loan.

Loan in 3 easy steps

Step 1 Step 1 Call us at
your doorstep
Step 2 Step 2 Quick loan
approvals
Step 3 Step 3 Get funds into
your account
Smart Business Loan
  • Loans up to 25 Lakhs
  • Tenure ranging from 12 to 60 months
  • No guarantor/security required
  • Convenience of doorstep service
  • Attractive Rate of Interest
Secured Business Loan
  • Loan up to Rs. 2 Crore
  • Loan up to 70% of the market value of the property
  • Longer tenure as per business needs
  • Attractive interest rates
  • Balance transfer facility

Self-employed (Individuals)

  Self-Employed (Individuals) include self-employed - Sole proprietors, Partners & Directors in firms in the Business of Manufacturing, Trading or Services.

Documents required:

  • Proof of Identity: Passport / Voters ID / Driving License / PAN Card / Aadhar Card
  • Address Proof: Driving License / Voter ID / Utility Bill (Latest 2 months) / Registered Rental Agreement / Passport
  • Bank Statements: Latest 6 months' bank statements / 6 months’ bank passbook
  • Latest ITR along with computation of income, B/S & P&L a/c for the last 2 years certified by a CA
  • Business Continuity Proof: Shops and Establishment License / GST Registration Certificate / VAT Returns / Sales Tax Returns
  • Other Documents: Certified copy of Partnership Deed, Certified copy of MOA / AOA.

Additional Document Required:

  • Only for secured Business loan - Copy of all property documents

Private Limited Cos and Partnership Firms

 Private Limited Cos and Partnership Firms engaged in the Business of Manufacturing, Trading or Services

Documents required :

  •  ID / Business Continuity Proof: PAN Card / S&E License / Tax Returns / Utility Bill
  •  Address Proof: Utility Bill (Latest 2 months) / Registered Rental Agreement
  •  Bank Statements: Latest 6 months' bank statements / 6 months’ bank passbook
  • Latest ITR along with computation of income, B/S & P&L a/c for the last 2 years certified by a CA
  • Other Documents: Certified copy of Partnership Deed, Certified true copy of Memorandum & Articles of Association

Additional Document Required :

  • Only for secured Business loan - Copy of all property documents

Self-employed (Professionals)

  Self-Employed (Professionals) include self - employed Doctors, Chartered Accountants & Architects.

Documents required:

  • ID Proof: Passport / Voters ID / Driving License / PAN Card / Aadhar Card
  • Address Proof: Driving License / Voter ID / Utility Bill (Latest 2 months) / Registered Rental Agreement / Passport
  • Bank Statements: Latest 12 months' bank statements / 12 months’ bank passbook
  • Latest ITR along with computation of income, B/S & P&L A/c for the last 2 years certified by a CA

Additional Document Required:

  • Only for secured Business loan - Copy of all property documents

Self-employed (Individuals)

  Self-Employed (Individuals) include self-employed - Sole proprietors, Partners & Directors of firms in the Business of Manufacturing, Trading or Services.

Documents required:

  • • Minimum age of Applicant: 21 years
  • • Years in business: Minimum 3 years
  • • Minimum Annual Income: ₹ 1, 00,000/- p.a. for Metro locations & ₹ 75,000 p.a. for Non-Metro locations.

Private Limited Cos and Partnership Firms

  Private Limited Cos and Partnership Firms engaged in the Business of Manufacturing, Trading or Services

  • Years in business: Minimum 3 years
  • Minimum Annual Income: ₹ 100000/- p.a. for Metro Locations & ₹ 75,000/- p.a. for non-metro locations.
  • Business must be profit making for the last 2 years

Self-employed (Professionals)

  Self-Employed (Professionals) include self - employed Doctors, Chartered Accountants & Architects.

  • Minimum age of applicant: 21 years
  • Years in business: Minimum 3 years
  • Minimum Annual Income: ₹ 1, 00,000 p.a. for Metro locations & ₹ 75,000 p.a. for other locations