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'SMARTFIN -LEADING BUSINESS LOAN AGENCY
16+ Years of Unsecured business loan Expertise"
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LOAN AMOUNT

UP TO 70 LAKSHS

INTEREST RATE

STARTING AT 9.99%

LOAN TENURE

1 YEAR TO 5 YEARS

UNSECURED BUSINESS LOANS

No collateral? No problem. We offer unsecured business loans with credit limits of up to ₹30 lakhs to help your business move forward—fast.
Enjoy a simple, fully online application process that’s hassle-free and quick. With flexible repayment options and competitive interest rates, we make it easier for you to access the funds you need to grow, expand, and succeed.

TYPES OF UNSECURED BUSINESS LOANS

 
  • MSME LOANS
  • TRADE FINANCE
  • GST BUSINESS LOANS
  • BUSINESS LOANS FOR WOMEN
  • LOAN WITHOUT FINANCIALS

WHY CHOOSE US

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GET UPTO ₹ 3CR

We offer SME business loans from ₹5 lakhs to ₹3 cr to support a wide range of business needs.

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LESS DOCUMENTS

We know paperwork can be overwhelming—so we’ve simplified our process to help you secure an SME loan quickly and easily.

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QUICK APPROVAL

Our fast-track process ensures your SME loan is approved in just one day—so you can focus on growing your business.

ELIGIBILITY FOR UNSECURED BUSINESS LOANS

CIBIL SCORE -700+
Business turn over -more than 30 lakhs .
Business proof GST REGISTRATION CERTIFICATE OR
 
LABOUR LICENCE

KYC DOCUMENTS

TYPES OF BUSINESS ORGANIZATIONS

PROPRIETORSHIP

1. Personal/KYC Documents:
  • PAN Card: For both the individual proprietor and the business entity.
  • Aadhaar Card: Proof of identity and address.
  • Other ID Proof: Passport, Driving License, Voter ID, or other valid government-issued ID.
  • Address Proof: Utility bills, rent agreements, or other documents confirming the business and personal address.
  • Bank Statements: Statements for the last 6-12 months for both personal and business accounts.
  • Loan Account Statements: If you have any existing loans, provide statements for those as well. 
     
2. Business Documents:
  • Business Registration Proof: For example, a copy of the shop and establishment certificate, trade license, or GST registration. 
     
  • Business Address Proof: If different from the registration proof, provide utility bills, rent agreements, etc.,. 
     
  • Business Profile/Letterhead: A formal letter outlining the business’s details. 
     
  • Income Tax Returns (ITR): Last 2-3 years’ ITRs, including computation of income, balance sheets, and profit and loss statements. 
     
  • GST Returns: Last 4 quarters of GST returns if applicable. 
     
  • Financial Statements: Balance sheets and profit & loss statements for the last 2-3 years. 

PARTNERSHIP

  • Partnership Deed:
    A copy of the partnership deed, which outlines the terms of the partnership, is essential to prove the firm’s existence and the partners’ roles. 
     
  • Business Registration Proof:
    This could be a copy of the MSME (Micro, Small and Medium Enterprise) registration certificate, Udyog Aadhaar certificate, or other relevant registration documents. 
     
  • GST Registration:
    A copy of the Goods and Services Tax (GST) registration certificate is usually required. 
     
  • Business Address Proof:
    This may include utility bills or a rent agreement for the business premises, if the address on the registration documents doesn’t match. 
     
2. Financial Documents:
  • Bank Statements:
    You’ll need the bank statements of the business account for the last 6 months.
  • Financial Statements:
    Provide audited or provisional financial statements for the last 2-3 years, including balance sheets, profit and loss statements, and any tax audit reports.
  • Income Tax Returns (ITR):
    Submit the ITRs of the firm for the last 2-3 years, along with the computation of income.
  • Loan Account Statements:
    If the firm has any other outstanding loans, you may be asked to provide statements for those. 
     
3. Partner’s Identity and Address:
  • KYC Documents:
    PAN cards, Aadhaar cards, driving licenses, voter IDs, or passports of all partners are required for Know Your Customer (KYC) verification.
  • Address Proof:
    Provide documents like Aadhaar card, voter ID, passport, utility bills, or rent agreements to prove the address of each partner. 
     
 

PRIVATE LIMITED

1. KYC (Know Your Customer) Documents:
  • Company: PAN Card, Aadhaar Card, Driving License, Voter ID, or Passport of the company.
  • Directors/Partners/Proprietor: PAN Card, Aadhaar Card, Driving License, Voter ID, or Passport.
  • Personal Documents: All individuals/partners/directors must provide PAN Card, Aadhaar Card, Driving License, Voter ID, or Passport, along with proof of address if it doesn’t match the officially valid documents. 
     
2. Business Documents:
  • Business Registration Proof:
    Certificate of Incorporation, Memorandum and Articles of Association (MOA/AOA), GST Registration Certificate, and other relevant documents. 
     
  • Business Address Proof:
    Utility bills, rent agreement, or other documents proving the business address. 
     
  • Proof of Business Continuity:
    Income Tax Returns (ITR), Trade License, Shop and Establishment Act Certificate, etc. 
     
3. Financial Documents:
  • Bank Statements: Last 6 months’ bank statements of the business account. 
     
  • Income Tax Returns (ITR): Last 2 years’ Income Tax Returns of the company and directors/partners. 
     
  • Financial Statements: Audited Balance Sheets and Profit & Loss Accounts for the last 2-3 years. 
     
  • Other Financial Documents: Provisional Financial Statements for the current year, processing of order book and sales. 
     
4. Additional Documents:
  • Application Form: Duly filled application form. 
     
  • Board Resolution: If required, a board resolution authorizing the loan. 
     
  • Other Relevant Documents: Depending on the lender, they may require additional documents such as a list of partners/directors, a copy of the partnership deed (if applicable), or any other relevant documentation. 

WHY CHOOSE US

WE PROVIDE BEST SERVICES

AS A LOAN AGENTS .WE ARE PROVIDE BEST SERVICES TO CLIENTS:

Loan Services
1. Loan Options: Offer various loan options (e.g., personal, business, home) and explain their features.
2. Eligibility Assessment: Help clients determine their eligibility for loans.
3. Application Assistance: Guide clients through the loan application process.
4. Documentation Support: Assist with gathering required documents.
5. Loan Comparison: Compare loan options from multiple lenders.
6. Interest Rate Negotiation: Negotiate competitive interest rates.
7. Loan Tracking: Keep clients updated on their loan application status.

Additional Services
1. Financial Guidance: Provide basic financial guidance and advice.
2. Customized Solutions: Offer tailored loan solutions based on client needs.
3. Transparent Communication: Ensure clear and transparent communication throughout the process.

 

BENEFITS

 

1. Convenience: Save clients time and effort.

2. Expertise: Leverage your knowledge to find the best loan options.

3. Personalized Service: Build strong relationships with clients.

SMARTFIN

SmartFin Loan Agency is a trusted financial services provider offering fast, reliable, and customized loan solutions. We simplify borrowing with expert guidance and transparent processes to meet every client’s unique needs.

CONTACT US

ADDRESS

PHONE NO :9666900200

EMAIL ID :weloans22@gmail.com

ADDRESS:  Flat no :302,Shiva sai sanidhi,Opp Sai baba Temple,Hindhi nagar,Punjagutta-Hyderabad-50082.