Business / MSME Loan
Fuel your business growth with the right financing.
Whether you need working capital, equipment finance, or a term loan to expand — we match your business with the most suitable lender from our network.
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Interest Rate
₹2 Cr
Max Loan Amount
5 Yrs
Max Tenure
5–7 Days
Processing Time
Why Choose a Business Loan Through Kozynex?
MSME-Specific Products
Access government-backed MSME schemes and priority sector lending products with preferential rates.
Collateral & Unsecured Options
Both secured (against property or assets) and unsecured business loans available depending on your profile.
Working Capital Finance
Cash credit, overdraft, and invoice discounting facilities to manage day-to-day business operations.
Equipment & Machinery Finance
Dedicated financing for purchase of equipment, machinery, and business assets.
Flexible Repayment
Repayment structures tailored to your business cash flow — monthly, quarterly, or bullet repayment options.
Zero Borrower Fees
Our service is completely free for borrowers. We are compensated by the lender, not by you.
Eligibility Criteria
- Business vintage of minimum 2 years
- Annual turnover as per lender requirements (typically ₹10 L+)
- Proprietorship, partnership, LLP, or private limited company
- Promoter CIBIL score of 700 or above preferred
- GST registration preferred (mandatory for higher amounts)
- Profitable business with positive net worth
Documents Required
- PAN Card (business and promoter)
- GST registration certificate
- Last 2 years ITR with financials (P&L, Balance Sheet)
- Last 12 months bank statements
- Business registration / incorporation documents
- KYC documents of all promoters/directors
Frequently Asked Questions
Can a startup get a business loan?
Most lenders require a minimum business vintage of 2 years. However, some NBFCs offer loans to newer businesses with strong financials or collateral.
What is the difference between a term loan and working capital?
A term loan is for long-term investments (equipment, expansion) with fixed EMIs. Working capital finance (CC/OD) is for day-to-day operations with a revolving credit limit.
Is collateral required for a business loan?
Not always. Unsecured business loans up to ₹50 lakhs are available for eligible profiles. Higher amounts typically require collateral.
Does Kozynex charge any fee?
No. Our services are completely free for borrowers. We are compensated by the lender as a registered DSA/LSP.
Ready to Grow Your Business?
Get a free consultation and find the best business loan for your needs — no fees, no obligations.