Instant Business Loan

Looking for an instant business loan to speed your slow moving business? ZipLoan offers quick business loans to small business owners at easy-to-meet eligibility criteria and competitive interest rates. You can get a fast MSME loan online in just 3 days*.

instant business loan

ZipLoan is the Lender of Choice for Small Businesses.


Minimal Documentation

No balance sheet needed


No Prepayment Charges

After first 6 EMIs


Receive Funds Within 3 Days*

Straight into your account

Feature and Benefits

Get an instant business loan up to Rs. 7.5 lakh in just 3 days*. You can use the fund to invest in raw material purchases, buy new machinery, hire skilled employees, maintain inventory, or enhance working capital. With the help of a custom business loan, you can take your business to a new height and increase your profits.

Top features of Ziploan Business Loan

  • Quick Finance up to Rs 7.5 lakh – We offer easy and quick small business loans for MSME ranging from Rs. 1 to 7.5 lakhs. We have a flexible ticket size, so you can pick the amount that you require.
  • Loan in 3 Days* - Online submission of the documents helps us your MSME loan process faster. We disburse the funds within three days* after getting your MSME loan documents.
  • Apply Online - To get instant approval for a business loan, we have made the entire business loan application process online. You get same-day approvals with disbursals within three days after the documents are submitted and verified.
  • Best Interest Rates - Our business loan interest rates are the best in the industry. No manual intervention but the automated process makes our process and interest rates fair. The interest rates are offered on the basis of your business's repayment ability.
  • Flexible Repayment Tenure -  Our repayment tenure starts from 12 months to 36 months. Therefore, you get enough time to repay the loan amount.
  • No Prepayment Charges - We offer MSME finance at no prepayment charges after you have paid the first 6 EMIs (excluding pre-EMI).

Why should you choose the Ziploan business loan?

Ziploan is one of the trusted NBFCs in India which offers customized business loan solutions to MSMEs. Benefits of availing a loan from us is low-interest rates, flexible tenure, minimum documents, zero hidden charges, quick approvals and more.

By availing instant business loan you can:

  • Increase your business cash flow
  • Rent bigger space
  • Renovate your working space
  • Buy, upgrade, or repair machinery and equipment
  • Enable latest technology
  • Manitain stocks
  • Hire skilled employees
  • Purchase raw materials
  • Expand businesses to other areas
  • Grab bigger projects and scale 

Types of business loan Ziploan offers:

Ziploan has customized business loan for your special needs:

  • Working capital loans - Maintain a working captial loan without facing any issue with our quick business loan.
  • Machinery loans - Upgrade your plant with latest techonology with a machinery loan and get more orders instantly.
  • SME and MSME loans - Small and medium sizes businesses can increase their profit and sales with MSME loans.
  • Shop loans - Quick shop loan will help you scale your business.
  • Kirana loans - With help of kirana store loan you can upgrade and increase your kirana sales.
  • Business loan for women - Customized business loan for women give opportunity to female entrepreuers to live their dream.

Eligibility Criteria

Our business loan eligibility criteria are simple to let more and more business individuals avail of the loan amount.

  • An established MSME with a proven business vintage of more than two years.
  • Minimum annual turnover of Rs. 10 lakhs in the previous year.
  • The business must not have any default history.
  • The income tax filed during the last year should be more than Rs. 1.5 lakhs.
  • The borrower should own either house or a business place.

Documents Required 

 ProprietorshipPartnershipPvt. Ltd. / LLP / One Person Company
Bank statement (12 months)
Business registration proof
PAN Card
Aadhar Card
ITR of the previous two years

Fees & Interest Rates

Customized Interest RatesYes
Loan Tenureup to 36 months
Pre-closure chargesNil** after paid the first 6 EMIs
Eligibility CriteriaAnnual turnover more than Rs.10 lakh
Loan Amount₹ 1 Lakh – ₹ 7.5 Lakh

Business loans EMI calculation

Use our EMI calculator to calculate your EMIs, therefore you can use your fund wisely. However, you can also calculate your EMI manually using EMI calculation formula:

The online calculator uses the following formula:



  • E - EMI
  • P - Principal of loan amount
  • r - The rate of interest (calculated monthly)
  • n - Tenor

How to Apply for MSME Loan

Here are three steps process to MSME loan apply online from ZipLoan:

  • Submit Application - Simply enter your personal, business, and financial info to receive a business loan offer.
  • Upload Documents - Upload digital copies of your documents in a single-step process for verification.
  • Get Sanctioned - Receive your loan approval and disbursal within 3 working days*.

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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.

Ready for Ziploan to
empower your business ?