Innovative features:
Collateral Free: We understand your business and know that it’s difficult to arrange for a collateral every time you
need funds for your working capital requirements. We stand strong with you all the time and help you to scale.
Flexible loan amount, tenor and ROI: We understand that one size doesn’t fit all and all businesses are not
same. We customise each of our offerings exactly as required by you empowering you to decide what works best
for your business and avail loan up to Rs 3 lakhs.
Loans for all your business needs: Business loan from Arthan Finance is one of the easiest ways to access
money and meet expenses related to business expansion, debt consolidation, purchase of raw material, maintain
stock/inventory, investment in machinery, renovation of business place, immediate working capital, balance transfer
facility, and other short and medium term loans for business purposes, etc.
Insurance to cover your risk: We know how much you value your family and provide you cheaper group life
insurance, whereby the nominee of the loan will not have to worry about repayments in case of any unfortunate
event.
Easy repayment options: We offer loans with easy repayment options. You do not have to leave your shop or
counter even for a minute as a variety of repayment modes such as NACH, bank transfers, online payments,
Cheques, Universal QR code, UPI, payment link etc are already available. If you still want to spend some time and
have a coffee at our branch, you are always welcome and we will be happy to take you through some of the most
trusted and efficient method of payments.
Faster Processing: Running a business is hard work, especially when your business is small and growing fast.
We value your time and our digital & paperless processing makes the loan disbursed in the quickest time to ensure
you get the money when you need it.
Eligibility
Unsecured Business Loans are designed to meet the ever-growing aspirations of business owners and to become
their preferred financial service provider of choice. The criteria to avail our Micro Business Loan is simple and
flexible.
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Business Vintage: We value your experience and want a minimum of 5 years business vintage in the current
business activity.
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Bureau Score: It’s just another number for us. Our assessment doesn’t entirely depend on the bureau score.
We look at your business holistically and do the risk ranking to extend the credit facility.
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Business profitability: We are equally eager to see you prosper in your business and remain profitable. That
helps to create stronger and lasting relationship.
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Age of Promoter: While age is just another number and we know you are young at heart, but most of our best
match happens when you age is between 25 years and 65 years.
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Ownership of Home/Business: We take pride and share the same feeling when you own your house or your
business place. Therefore, we look at you owning at least your residence or business place.
Documentation
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KYC documents of the applicant (PAN card and address proof)
- KYC documents of the co–applicants or directors/ partners/ promoters (PAN card and address proof)
- Bank Statements of last 1 year (all the business accounts) in PDF format
- GST Registration certificate and GST returns if available
- Proof of continuation (ITR/Trade license/Establishment/Sales Tax Certificate)
- Last 2 years financial statements if available
- One guarantor is mandatory
Please note that the list of documents mentioned is indicative. During loan processing, additional
documents may be required.
