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Business Loan Comparison

Business Loan Comparison | LASYA SRI
LASYA SRI BUSINESS LOAN ADVISORY
Compare • Understand • Choose Better
SMART BUSINESS LOAN COMPARISON

Choose the right business loan, not just the lowest rate.

Compare starting interest rate, maximum loan amount, tenure, processing fee, working-capital structures and lender-specific business-loan features across leading banks and NBFCs.

ROI ComparisonLoan QuantumTenureProcessing FeeOD / Working Capital
START HERE

Find your best-fit business lender

Use the analytical ranking for initial screening, then open each lender to review the exact product data supplied.

Start Comparison
AnalysisQuick ComparisonLender DetailsDecision GuideFAQs
WHY THIS PAGE IS DIFFERENT

Six factors define the real business-loan fit

Business-loan selection should consider not only the headline rate, but also sanctioned quantum, tenure, processing fee, OD/working-capital structure and business-specific eligibility.

01

Starting ROI

Compare the lowest stated rate where a numeric starting rate is supplied.

02

Loan Quantum

Check whether the lender can support your required funding size.

03

Tenure

Longer repayment can improve cash-flow comfort but may increase total interest.

04

Processing Fee

Upfront charges affect the effective cost of business borrowing.

05

Facility Type

Compare term loan, OD, WCDL, flexi and supply-chain structures.

06

Business Fit

Turnover, profitability, vintage, location and sector can influence approval.

BUSINESS LOAN ANALYTICAL RESULT

Read the lender data beyond the headline rate

The analytical layer below uses only the figures and product descriptions you supplied. “Profile Based” entries are excluded from numeric ROI ranking.

Lowest Numeric Starting ROI—
Highest Stated Maximum Loan—
Longest Stated Tenure—
Lenders Compared8 Banks / NBFCs
DEEP ANALYTICAL RESULT

What the business-loan data means for your shortlist

Dynamic analysis based on the exact ROI, loan-amount, tenure, fee and product-structure data supplied in this comparison.
Best Starting ROI—

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Starting ROI Spread—

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Largest Stated Loan Quantum—

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Longest Stated Tenure—

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Lowest Percentage Fee—

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OD / Flexible Structure—

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Fast Disbursal Signal—

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Turnover-Based Eligibility—

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Top 3 by Starting ROIInitial Pricing Ranking
Analytical Summary—

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AT-A-GLANCE

Quick lender snapshot

Use this for initial screening. Open the detailed lender section before deciding.

Lender
Interest Rate
Maximum Loan
Tenure
Processing Fee
HDFC BankBusiness Growth Loan & Dropline OD
10.75% – 22.50%*
Up to ₹50 Lakh*
12 –48 Months
Nominal / Fixed + GST*
ICICI BankBusiness Instalment & Overdraft Facilities
From 9.99%*
Up to ₹2 Crore*
12–60 Months
Up to 2.5%*
Axis BankUnsecured Business Loan
9.99% – 20%*
Up to ₹40 Lakh*
12–36 Months
Up to 2%*
Kotak Mahindra BankCustomized Growth Finance
From 9.99%*
Up to ₹50 Lakh*
12 – 48 Months
₹12,999 + GST*
IDFC FIRST BankSmart Business Loans
9.99% – 13%*
Up to ₹1 Crore*
12 – 60 Months
Up to 2%*
IndusInd BankSupply Chain & Business Loans
Profile Based*
Based on Turnover*
12 – 48 Months
As per Bank Policy*
Bajaj FinanceFlexi Business Loans
10% – 25%*
Up to ₹75 Lakh*
12 – 96 Months
Up to 1.2%*
Tata CapitalStructured Corporate & MSME Growth Capital
10% – 14%+*
₹5 – ₹75 Lakh*
12 – 60 Months
As per Policy*
DETAILED LENDER COMPARISON

Open a lender to see every important detail

Expandable cards keep the full business-loan data readable on desktop and mobile.

HDFC BankBusiness Growth Loan & Dropline OD
Interest Rate10.75% – 22.50%*
+
Loan AmountUp to ₹50 Lakh*
Select AreasUp to ₹75 Lakh*
Tenure12 –48 Months
Processing FeeNominal / Fixed + GST*
Term Loans and Dropline Overdrafts. Dropline OD limits reduce monthly with principal pay-down. Complimentary business credit-card and cash-management features are included as described in the provided data.
ICICI BankBusiness Instalment & Overdraft Facilities
Interest RateFrom 9.99%*
+
Loan AmountUp to ₹2 Crore*
Tenure12–60 Months
Processing FeeUp to 2.5%*
FacilityTerm Loan / OD / WCDL
Single-framework access to Term Loans, Overdrafts and Working Capital Demand Loans. InstaOD is described for eligible existing current-account holders with digital setup.
Axis BankUnsecured Business Loan
Interest Rate9.99% – 20%*
+
Loan AmountUp to ₹40 Lakh*
Working Capital Tenure12–36 Months
Capital Asset TenureUp to 60 Months*
Processing FeeUp to 2%*
Primarily fixed-rate term loans for business expansion, with higher/expanded limits described for select professional-service profiles. Includes digital accounting and insurance-related value-add features as provided.
Kotak Mahindra BankCustomized Growth Finance
Interest RateFrom 9.99%*
+
Loan AmountUp to ₹50 Lakh*
Tenure12 – 48 Months
Processing Fee₹12,999 + GST*
StructureTerm Loan + OD*
Hybrid term-loan and revolving-overdraft framework with custom step-up repayment structures. Dedicated relationship management and sector-specific advisory are included in the supplied description.
IDFC FIRST BankSmart Business Loans
Interest Rate9.99% – 13%*
+
Loan AmountUp to ₹1 Crore*
Tenure12 – 60 Months
Processing FeeUp to 2%*
Machinery FundingUp to 85% Invoice*
Technology-driven term loans and cash-flow-backed overdraft lines. Machinery finance is described as funding up to 85% of invoice value, with digital drawdown and repayment management.
IndusInd BankSupply Chain & Business Loans
Interest RateProfile Based*
+
Loan AmountBased on Turnover*
Tenure12 – 48 Months
Processing FeeAs per Bank Policy*
Eligibility₹1 Crore + Turnover*
Supply-chain finance, vendor-financing lines and term loans with dynamic limits based on turnover and corporate-distribution relationships. The supplied data also states 3 years of profit history as a requirement.
Bajaj FinanceFlexi Business Loans
Interest Rate10% – 25%*
+
Loan AmountUp to ₹75 Lakh*
Tenure12 – 96 Months
Processing FeeUp to 1.2%*
Disbursal0 – 1 Day*
Flexi Hybrid Loan structure allows withdrawal and prepayment of funds. The supplied data describes interest-only EMIs for the first half of tenure and zero fees for part-prepayments.
Tata CapitalStructured Corporate & MSME Growth Capital
Interest Rate10% – 14%+*
+
Loan Amount₹5 – ₹75 Lakh*
Tenure12 – 60 Months
Processing FeeAs per Policy*
Eligibility₹1 Crore + Turnover*
High-ticket unsecured term loans with structured payment schedules. The supplied data states a minimum ₹1 crore turnover, 36-month stability, business-insurance options and corporate advisory support.
LASYA SRI DECISION GUIDE

What should a business borrower compare first?

Need the largest funding amount?

Check stated maximum quantum before prioritising ROI.

Need working capital flexibility?

Compare OD, WCDL, flexi and supply-chain facilities rather than term-loan pricing alone.

Need longer repayment?

Compare tenure together with cash-flow comfort and overall interest burden.

Need machinery finance?

Review lender-specific machinery-funding features where supplied.

Turnover-led business?

Check lenders where eligibility or limits are linked to turnover and operating history.

Need fast access to funds?

Review digital or fast-disbursal features together with cost and repayment structure.

BUSINESS LOAN FAQs

Questions to answer before applying

Is the lowest starting ROI automatically the best business loan?

No. Final selection should consider loan amount, tenure, processing fee, facility type, turnover requirements and lender underwriting together.

Why compare OD and term-loan structures separately?

OD or flexi structures may better suit working-capital needs, while term loans may suit fixed asset or expansion funding.

Why does maximum tenure matter?

Longer tenure can reduce monthly repayment pressure, but the final structure and total borrowing cost should still be reviewed.

Why is turnover eligibility important?

Some lenders link business-loan eligibility or limits to turnover, profitability, vintage and cash-flow strength.

*Data displayed above has been populated from the information supplied for this page. Interest rates, limits, fees, tenure, eligibility and product features may vary by profile, location, lender policy and final sanction terms. Analytical rankings use only the supplied comparison data and are intended for initial screening.