How To Get A Small Business Loan Without Collateral?

A business loan without collateral is an ideal loan product for borrowers who don’t want to hypothecate any asset to get access to funds for their business. To avail a business loan without collateral, or an unsecured business loan, there is no need to offer any collateral. Thus, business owners who could not avail a loan earlier can now avail a loan quickly and scale up their business efficiently.

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Benefits of Collateral-free Business Loans

The following are the benefits of availing a loan without collateral:

  • No need for Collateral: the first and obvious benefit of availing this type of loan is that there is no need to pledge any collateral as a guarantee. In fact, there is not even a need for a co-guarantor either. Now, if no collateral is hypothecated, no property is seized.
  • Faster Approval: the time spent for the authentication of the collateral and assessing its value is nil in non-collateral loans. Thus, a lot of time is saved, and business loans without security are sanctioned in a time-efficient manner. We approve and disburse the loan amount in just 3* days.
  • Build Credit History: since unsecured loans are offered for a shorter time frame, they are an excellent way to build a good credit history and score. Your business may require a larger amount of loans in future, but no credit history at all may become a problem. So, you can avail a small business loan to build a positive credit history.
  • Flexible Repayment Options: most business loans without collateral come with flexible repayment facility. The lenders offer you several lending options among which you can choose the one that suits your needs the best.

How to Get Unsecured Business Loans?

NBFCs in India offer collateral-free business loans. To avail a collateral-free business loan, follow the steps mentioned below:

  • Visit the website of the lender.
  • Check your business loan eligibility by entering your details on the loan eligibility calculator.
  • If you are eligible, create your account on their website by verifying your number through the OTP sent on your number.
  • Fill the loan application completely with relevant information.
  • Upload the PDFs of the documents required.

The lender will call you on the registered number to assist you further in the process.

Solving Real problems

Ram Yadav

I have been running my business for over twelve years but have not been able to undertake expansion activities. I applied to Ziploan and they cleared my loan application in a very short span of time.

Kanchan Lata

I approached Ziploan for an equipment finance loan. Their eligibility criterion was easy to fulfill because it required only 2 years ITR and 10 lacs of annual banking credit.

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