Our Advisors are available 7 days a week, 9:30 am - 6:30 pm to assist you with the best offers or help resolve any queries.
Whether you are running a local shop, MSME, or startup, Manipal Fintech helps you discover the right business loan without hassle.
Part of The Manipal Group
Built on 90+ years of trust and legacy
Fast Disbursal
Funds disbursed within 24 to 72 hours*
Unsecured Loan
No collateral or third-party guarantee required
Flexible Tenure
Repayment tenures ranging from 12 to 60 months
Applying for a business loan with Manipal Fintech is simple, fast, and entirely online. Follow these four steps to get started.
Choose the business loan product that best fits your needs.
Share basic business and personal details to personalise your offers.
Our AI matches you with the best lenders in seconds.
Compare offers, complete verification, and receive funds quickly.
Not all business loans are the same and neither are business needs. What sets Manipal Fintech business loans apart from a standard bank loan is speed, simplicity and the freedom to borrow without putting anything at risk. Here's what you get when you apply through us.
We provide multiple business loan offers for your requirement from 10+ Banks & NBFCs. One application on Manipal Fintech puts you in front of all of them simultaneously - giving you real choice to get the best suitable plan.
Manipal Fintech business loans are unsecured, meaning, No property, No gold, No guarantor. Your assets stay with you and the loan is approved on the strength of your business credentials alone.
Starting from 12% p.a., based on your profile and eligibility and choose the best offer from 10+ lending partners all competing for your business. Manipal Fintech's MoneyPal AI ensures you never settle for a rate higher than you deserve.
No branch visits or follow-ups, everything happens online, from application to approval. Once your documents are verified, approval is fast and disbursal goes straight to your bank account.
We offer business loans with flexible tenure. Stretch your tenure or keep short according to your cash flow and need. The repayment schedule works around your business cycle - not the other way around.
Just PAN, Aadhaar, business proof and recent bank statements. That's it. Manipal Fintech has stripped away every unnecessary document so you can focus on running your business, not filling forms.
Quickly calculate your loan amount, interest rate, and repayment schedule with our advanced AI-powered calculator.
Customers trust fintech companies because they offer transparent services and prioritize security. With innovative solutions tailored to individual needs, they empower users to take control of their finances.
From a kirana store owner to a garment manufacturer or local trader - if you run a business in India, there's a loan built for you.
Meet your business requirements by financing raw material procurement, machinery upgrades, and production expansion—without touching your working capital. Use a business loan to cover business related expenses such as purchasing raw materials in bulk and managing other essential business expenses.
Fund inventory purchases, store upgrades, or seasonal stocking needs with a business loan designed for kirana stores, boutiques, and retail outlets across India.
Manage bulk procurement, logistics, and working capital cycles with flexible financing that keeps your supply chain moving without cash flow stress.
Doctors, consultants, and service firms can finance equipment, office expansion, or working capital to grow their practice with minimal documentation.
Early-stage businesses can access unsecured funding to launch operations, hire talent, or invest in marketing without diluting equity.
Small and medium enterprises can scale operations, upgrade technology, or bridge cash flow gaps with loans matched to MSME eligibility criteria.
Minimal documentation, so you spend less time on paperwork and more time growing your business with Manipal Fintech. Having the right business documents and KYC documents is essential for a smooth and quick business loan application process.
Please ensure all personal and business identifiers match accurately across your documents to avoid rejection during the loan application process.
No hidden charges. No fine print surprises. Manipal Fintech always shows you the complete cost before you commit.
*Charges may vary across lending partners. The exact applicable fees will be shown before you commit to any offer.
You don’t need to pledge property or gold to access capital. With an unsecured business loan, approval is based on how your business performs - not what you own. We look at your turnover, bank statements and repayment history to match you with the right loan.
Borrow without pledging any assets. Your loan is completely unsecured.
Minimal documentation and no collateral checks help speed up the process.
Choose a tenure between 12 and 60 months. Set an EMI that fits your cash flow.
Eligibility is determined by your revenue, bank statements and repayment history.
Managing a business often means balancing incoming payments with ongoing expenses and planning for business growth. Business loans are a key form of bank financing that can address a wide range of financial needs—whether it’s upgrading premises, expanding operations, purchasing equipment, or managing cash flow. Choosing the right business loan depends on aligning your specific financial needs with the loan’s repayment structure and costs.
provide a lump sum upfront, repaid over a fixed period with regular interest - ideal for long-term investments.
offers flexible access to funds as needed, perfect for managing fluctuating cash flow.
give you an upfront sum in exchange for a percentage of future card sales, useful for retailers with high card transaction volumes.
allows you to receive immediate cash by selling unpaid customer invoices to a lender at a discount.
Growing businesses don't borrow because they have to — they borrow because they want to move faster.
The right money at the right time. Never say no to an order or deal because the timing was off.
Scale faster without giving up ownership. Fund growth with debt instead of diluting equity.
Late payments are reality. A loan smooths the gap so operations never stop.
A fixed EMI schedule is a habit. Consistent repayment builds stronger credit and better terms next time.
Even when business slows, salaries and rent continue. Keep things running without tough trade-offs.
Not every business needs the same type of loan. A shopkeeper restocking before the festive season has a very different requirement from a manufacturer buying new machinery. The right loan depends on what you need the money for, how quickly you need it and whether you have assets to offer as security. Here's a simple breakdown.
These are loans that don’t require you to pledge any collateral. Approval is based on your business’s financial performance - things like revenue consistency, banking activity and repayment behaviour. This is the most widely used form of business credit for small and mid-sized businesses that want capital without tying up assets.
An overdraft facility is essentially a flexible line of credit linked to your account. It allows you to withdraw funds as needed, within a pre-approved limit. Interest is charged only on the amount you actually use, which makes it useful for managing short-term fluctuations in cash flow.
Working capital loans are designed to support the operational side of a business, the day-to-day expenses that keep things running. They are especially useful when there’s a mismatch between money coming in from customers and money going out to suppliers, employees, or overheads.
Secured loans are backed by collateral such as property or other business assets. Because the lender has additional security, these loans usually come at lower interest rates and higher loan amounts. They’re typically used when the funding requirement is large and the borrower is comfortable leveraging existing assets.
Hear from business owners across India who found the right funding - without any delays.
Customer testimonials scroll automatically.
My experience with Manipal Fintech was very good. The gold loan process was easy, and the staff helped me at every step. They explained everything clearly, and I got my loan quickly. I feel the service is honest and trustworthy.
Poonam kaur
Tilai
I run a garment trading business in Jaipur. Banks me kafi long process hota. Manipal Fintech se mujhe jaldi loan offers mil gaye aur pura process online tha.
Rakesh Sharma
Garment Trader, Jaipur
सब कुछ पहले ही clear tha, interest rate, fees, repayment. No confusion.
Mohammed Irfan
Electronics Retailer, UP
My experience with Manipal Fintech was very good. The gold loan process was easy, and the staff helped me at every step. They explained everything clearly, and I got my loan quickly. I feel the service is honest and trustworthy.
Poonam kaur
Tilai
I run a garment trading business in Jaipur. Banks me kafi long process hota. Manipal Fintech se mujhe jaldi loan offers mil gaye aur pura process online tha.
Rakesh Sharma
Garment Trader, Jaipur
सब कुछ पहले ही clear tha, interest rate, fees, repayment. No confusion.
Mohammed Irfan
Electronics Retailer, UP
Answers to common questions about unsecured business loans with Manipal Fintech.
An unsecured business loan does not require you to pledge property, gold, or other collateral. Approval is based on your business performance — revenue, bank statements, and repayment history.
Proprietorships, partnerships, LLPs, and private limited companies with consistent business income and banking activity can apply. Eligibility varies by lender and loan amount.
Typically KYC (Aadhaar/PAN), address proof, business registration documents, bank statements, ITR, and proof of business vintage. Exact requirements may vary by lender.
After you apply online and submit documents, suitable offers from lending partners can be shared quickly. Disbursal timelines depend on the lender and completeness of your application.
Rates start from around 12% p.a. depending on your profile. Processing fees, prepayment charges, and other costs are shown upfront before you accept any offer — see the pricing table on this page for details.
