Business Loan in Lucknow

Small and medium-sized businesses can apply for small business loans in Lucknow at the lowest business loan interest rates. The requirements for business loan eligibility are simple and require minimal paperwork.

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

Features and Benefits - Small Business Loan in Lucknow

  • MSME Finance up to Rs 7.5 lakh – We offer small business loans for MSME ranging from Rs. 1 to 7.5 
  • Loan in 3 Days* - Once we receive your documents for a business loan, we disburse the funds within three days*.
  • Apply online - We have made the entire business loan application process easy and convenient. 
  • Best interest rates - Using an automated process and no manual intervention, we are able to offer fair business loan interest rates. Your business's repayment ability determines the interest rate.
  • Flexible repayment tenure - We offer repayment tenures ranging from 12 to 36 months. Hence, you will have sufficient time to repay the loan.
  • No prepayment charges - MSME loan at no prepayment charges after six EMIs (excluding pre-EMI).

In addition to its rich cultural heritage, Lucknow has earned the title 'City of Nawab'. The city has a touch of royal splendour that once upon a time was unlimited, with its traditional cuisine, fine arts, and courteous people. 

Funding for operational and capital purposes is a crucial need for business people who wish to participate in these industries. Ziploan is a reputed business loan provider in Lucknow that can provide you with a quick business loan in Lucknow if you are in need. Business loans of up to Rs. 7.5 lakh are available at low rates, with minimal documentation, flexible tenor, and many other benefits.

Business loan eligibility criteria

Our business loan eligibility criteria are easy to meet:

  • MSME with a business history of over two years.
  • Last year's annual turnover should exceed 10 lakh 
  • No default history.
  • Last year's ITR should exceed Rs. 1.5 lakhs.
  • Ownership of either a home or a business is essential.

Business loan documents

You need to provide the following business loan eligibility documents to avail of an instant business loan.

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

Business loan interest rates in Lucknow

We offer the lowest business loan interest rates in lucknow.

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

Note - We don't provide a startup business loan in Lucknow.

Business Loans EMI 

Equated Monthly Instalments (EMIs) let you pay off a loan in affordable monthly payments. Ziploan one of the reputed business loan lenders in Lucknow offers you a convenient EMI repayment option. You can repay the loan amount between 12 and 36 months.

You can calculate your EMI using our business loan EMI calculator.

How to Calculate Business Loan EMI?

Here is the formula to calculate business loan EMI.

EMI = P × r × (1 + r) n/ ((1 + r) n – 1)


P: Loan amount, r: interest rate, n: tenure in number of months

How to Apply for Business Loan in Lucknow

To apply for a business loan online from ZipLoan, follow these three steps:

  1. Submit Application - Complete our online application to receive a business loan offer.
  2. Upload Documents - Verify your documents in one step by uploading digital copies.
  3. Get Sanctioned - Your business loan will be approved within 3 days* and disbursed.

How to apply for a business line of credit loan?

Getting a line of credit for your business is pretty easy with Ziploan. Simply download our small business loan app and:

  • Sign up with your registered mobile number
  • Fill in your basic details to check your loan eligibility
  • Get a real-time conditional offer basis on your PAN & Aadhaar Card
  • Upload a few documents  – Address proof, bank statement & ITR 
  • Now track your loan application status on an app for approval
  • The loan application is approved and money is transferred directly to your bank account

Types of Business Loan Available in Lucknow

Here are the types of small business loan schemes that are available to you:

  • Short-term loan:  Finance for specific business areas on a short-term basis or for employee salaries or purchasing assets for the business. An owner of a business takes out a term loan to borrow a specific amount of money and repay it with interest over time.
  • Business credit line: A specific amount of money is available to the business owner at any time. Similar to a credit card, revolving credit provides a credit that resets once the amount withdrawn is paid in full.
  • Equipment financing: To purchase business equipment, or to purchase machinery, a business owner will need funds.
  • Invoice financingBusiness owners borrow money against customer invoices. A short-term requirement, it helps businesses manage cash flow, pays employees and suppliers, and boosts growth.
  • Line of credit - You can also get an instant line of credit up to Rs 3 Lakhs with a 2%* interest rate (per month) for your immediate business requirements
Ziploan is of the best business loan companies in Lucknow that provides a quick business loan for women in Lucknow at competitive interest rates. 

Note:- We don't provide a loan for new business in Lucknow.

Business loan in other cities

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 ?