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About the Business Loan Eligibility Calculator
Business loan underwriting starts with your monthly surplus — receipts less operating costs — rather than a salary slip. Lenders read twelve months of bank statements, GST returns and ITRs, and they take the average, not your best month.
Enter your average monthly surplus as income and your existing facility EMIs as obligations. The result is the term loan your cash flow can carry; a secured facility against property will stretch further at a lower rate.
The formula
This is the EMI formula solved for the principal instead of the instalment.
Things worth knowing
Frequently asked questions
On business vintage, average monthly banking balances and credit turnover, filed GST returns and ITRs, and the promoter's personal credit score. Most want at least two to three years of operating history.
Yes, typically up to ₹50 lakh for an established business with clean banking, at rates around 14–20%. Beyond that, or for a better rate, lenders will want collateral.
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