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About Us
Designed specifically for small and medium enterprises (SMEs), KreditBee’s business loans empower entrepreneurs like you to achieve your goals. Whether it’s starting a new venture, expanding your operations, or managing everyday expenses, a personal loan for business is perfect for such uses.
Get a hassle-free business loan from ₹6,000 to ₹1 Crores directly into your bank account. Simply keep your PAN card, Aadhaar card, and a business or income proof handy when applying.
Choose a repayment tenure that suits your cash flow, ranging from 6 to 48 months. Apply now and let KreditBee be your partner in success.
Features and Benefits of a Business Loan with KreditBee
The best features for a smooth credit experience
100% Online Process
Collateral-free funds
Secure the financing you need without pledging any assets as security.
Easy Loan disbursal
Quick loan disbursal
Get funds directly in your bank account within a short time upon approval.
Hassle-free Documentation
Hassle-free Documentation
Experience a streamlined application process with hassle-free documentation.
Settlement against payroll
Collateral-free business loan
Access funds without the need for collateral or security deposits.
Documents Required
Photograph
PAN
Address Proof (Permanent & Current Address)
Business Income Proof (Bank Statements reflecting Business Income / GST Details)
Business Ownership Proof (GST Details / Udyam Registration Certificate / Shop & Establishment Certificate / FSSAI License)
Dedicated Customer Support
4.5 Happiness Rating
Minimal Documentation
Our Services
Experience Financial Freedom with Our Loans
Simple 3-Step Process
Get the Funds You Need in Just 3 Simple Steps with Our Easy Loan Process
Begin the loan application process by filling out a simple form with your basic information, desired loan amount, and monthly income. This should only take a few minutes of your time.
After submitting your loan application, you will receive an email requesting any additional documents needed to complete the application process. Your eligibility for the loan.
Once your eligibility has been confirmed, a representative will contact you by phone to finalize the loan process. Once approved, your loan will be disbursed quickly and efficiently.
Features
Representative Example:
Eligibility Criteria
Indian Citizen
Age to be 21 years and above
Business operations for a minimum of past 12 months
Minimum monthly personal income of ₹10,000
Monthly household income more than ₹25,000
Possess Government approved Valid Identity Proof & Address Proof
Aadhaar-linked mobile number
Other Fee & Charges
Foreclosure charges
Foreclosure charges of up to 4% of principal outstanding* + GST will be charged in case Foreclosure is opted
Part-Prepayment Charges
Part Prepayment Charges of up to 4% of principal prepaid* + GST will be charged in case Part-Prepayment is opted
Penal Charges
1. EMI bounce charge (1st day): 4% of principal overdue* or ₹500, whichever is lower
2. Penal charges for 2-180 days: 36% per annum on principal overdue
Retained Processing Fees in case of cool-off
1. A percentage of the one-time processing fees may be retained as the cool off fee if the customer exits the loan during the cooling-off period.
2. The exact amount of the cool off fees is disclosed upfront in the KFS (Key Fact Statement).
Stamp Duty
1. Stamp duty charges as per actuals shall be applied based on the disbursement office / branch.
2. The exact amount of the Stamp duty charges is disclosed upfront in the KFS (Key Fact Statement).
Maintenance & Procurement Cost
1. Maintenance & Procurement Cost may be applied based on the disbursement office / branch.
2. The exact amount of the Maintenance & Procurement Cost is disclosed upfront in the KFS (Key Fact Statement).
A hassle-free loan for any situation.
Get personal loans ranging from ₹6,000 all the way up to ₹10 Lakhs with competitive personal loan interest rates. Whether you’re looking for the best personal loans or need an instant personal loan online, we’ve got you covered. Apply for a personal loan online easily and enjoy quick disbursals directly into your bank account in just a few minutes.
Our flexible repayment plans ensure you can manage your personal loan EMI with ease and choose a tenure that suits your needs. Even if you have a low CIBIL score, you can still explore personal loan offers tailored to you. Curious about how to apply for a personal loan or what a personal loan is? We’ve made the process simple so you can get a personal loan effortlessly.
Eligibility
This fee is ONLY applicable when borrowers repay bill overdue. For example, if you have Rs 10,000/- overdue of principal, then customer to pay additional Rs 300/- for one month of delay in repayment of loan.
- Should be Indian Citizens.
- Must be salaried professionals.
- Must have a monthly take home salary of at least INR 30,000/-
- Should have a regular credit of salary to a bank account.
- Age should be between 25 and 55 years.
- Loans of up to 80% of your monthly salary..
Documents
Provide the following KYC documents for evaluation of your loan-worthiness
- PAN Card.
- Salary Slips (Last 3 months).
- Bank Statement of Salary Account (3/6 months).
- Address Proof.
Frequently Asked Questions
How can I apply for a medical emergency loan fro Kreditbee Finances?
You can apply for a medical emergency loan by filling out the online application form and submitting the necessary documents. Dhani Finances offers quick approvals and disbursement of the loan amount.