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Best Rate

1.50% P.M

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  • Extremely fast and Simple process
  • Paperless process
  • Collateral free - 100% Unsecured Loans and thus no collateral required
  • No hidden charges


  • 18% P.A. onwards (reducing interest rate basis)
  • Processing Fee: 2% of the sanctioned amount + GST

Documents Required

  • Income Proof: Latest 3 months bank statement via PDF upload / netbanking (for new to credit customer only)
  • ID Proof: PAN Card, Election Card, Passport, Driving License, Aadhar card, UID (Unique Identification Document) issued by Govt. of India
  • UID (Unique Identification Document) issued by Govt. of India
  • Any of the above address proof acceptable for a close relative staying with applicant (Spouse/ Parents/ Son/ Daughter) with relationship proof confirmed with applicant.
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FlexiLoans is a leading online lending platform that provides instant funds to small businesses for their various needs like working capital needs, growth and expansion of the business, etc. The company is a registered Non Banking Financial Company (NBFC) that provides customers with instant loans with flexible repayment tenures. FlexiLoans is currently operational in over 1000 cities and provides many products like term loans for small businesses, line of credit, loan against POS, vendor financing and other value added services. The details of the term loan for the small businesses are mentioned below.

Eligibility for FlexiLoans Business Term Loan

The eligibility for the tem loans of FlexiLoans is kept very simple and basic. This is to ensure that the loans can be disbursed to a maximum number of applicants so they can get the benefit of immediate financial assistance for their business needs. The details of the eligibility criteria of FlexiLoans for its Term Loans are mentioned below.

Age of the business

FlexiLoans provides loans to existing businesses for their multiple needs like growth, expansion, working capital, etc. While determining the eligibility of the business, one of the prime factors to be considered is the age of the business. FlexiLoans provides Term Loans to small businesses that have been in existence for a minimum period of 1 year.

Minimum turnover

Another eligibility requirement for FlexiLoans term business loans is the turnover of the business organization or the monthly business sales. FlexiLoans requires the businesses to have a minimum turnover or monthly business sales of Rs. 2,00,000

The small businesses meeting the criteria of the company can easily apply for its term loans and can avail the benefit of instant financial aid in the form of loan at affordable rates for a reasonable tenure.

Documents Required for FlexiLoans Business Term Loan

The documentation process of FlexiLoans is simple and hassle free to ensure that the customers business loans for their entities. The details of the documents required by FlexiLoans are mentioned below.

Identity proof of the owner (Partner, etc.)

Applicants need to provide the PAN card of the owner or the partner or the promoter of the entity as the case may be. PAN card is a mandatory requirement and cannot be ignored.

Address proof of the owner (Partner, etc.)

Address proof of the applicant is also another mandatory requirement for which the applicant can provide either of the following documents.

  • Aadhaar Card
  • Passport
  • Voter Id
  • Ration Card 
  • Latest Utility Bills
  • Registered rent Agreement/ Lease Agreement

Bank Statements

Bank Statement of the business showing the transactions for the past 6 months of the current account of the business have to be submitted as part of the documentation.

Business documents

The business documents of the entity are the documents relating to the ownership proof of the owner and the documents showing the registration of the business with various Acts in place. Following documents have to be submitted along with the ownership proof as part of business documents.

  • GST Registration Documents
  • Shop and establishments Act Registration Certificate
  • PAN Card of the Business entity

Financial Documents of the business

The financial documents of the business to be provided as part of the documentation are

  • Audited Financial Statements (Balance Sheet, Profit and Loss Statement, Computation of Income, Cash Flow Statement, Income Statement) for the past 2 years
  • Latest ITR of the past 2 years
  • GST Returns  for the past 6 months

The above documents have to be submitted digitally. Customers can get information regarding the format for the same through the customer care of FlexiLoans.

How to apply for FlexiLoans Business Term Loans?

The application process for the term loans of FlexiLoans is entirely digital. It ensures that the customers can apply for the loan from anywhere and at any time convenient to them. The entire process being digital reduces or rather eliminates the need for the customers to visit the lender multiple times for purposes like getting the application form, submitting the same with documents and or any other query regarding the same.

The steps involved in the application process for FlexiLoans Term Loans are explained below.

  • First step is to click to the website of FlexiLoans
  • The next step is to click on the tab ‘Apply Now’ available at the top right corner of the home page.
  • After clicking on the same, the customers will be directed to a new page where they will be required to fill in their basic details like
    • Name (which has to be the same as mentioned on their PAN Card)
    • Mobile Number
    • Email Id
    • Occupation (Business or salaried employee)
    • Loan Amount required
  • After filling the above details, the applicant will then have to click on the ‘check eligibility’ tab.
  • The eligibility of the applicant will be checked within a few minutes and the applicant can then fill the application form.
  • After duly filling the application form, the applicant will have to upload the required documents along with it before submitting the same.
  • FlexiLoans will then verify the documents and the application submitted.
  • Upon satisfaction of the same, the applicant will be granted the loan of the required amount and the funds will be disbursed within 2 days in the bank account mentioned by the applicant in the application form.

Features and Benefits of FlexiLoans Term Loan

The features and benefits of FlexiLoans Term Loans that make it an attractive option for the small businesses are mentioned below.

Amount of loan 

The amount of loan that can be availed as business loan or term loan of FlexiLoans is a minimum of Rs. 50,000 and maximum Rs. 1,00,00,000.


The tenure for repayment of FlexiLoans is very reasonable and flexible. Customers can choose the tenure to be up to a maximum of 24 months or 2 years for the term loans offered by FlexiLoans.

Rate of interest

The rate of interest charged on the term loans of FlexiLoans is very competitive and does put any burden on the customers. FlexiLoans charges interest starting from 1% per month of the loan amount. The final rate of interest will depend on the amount of loan, tenure, credit profile of the customer, etc.


Customers do not have to provide any collateral for the term loans of FlexiLoans. The loans can be disbursed without any collateral or guarantor which in turn ensures a faster disbursal of the loans at the same time safeguarding the ownership of the business and its assets or interests.

Flexibility in repayment of loans

FlexiLoans offers flexible repayment options to the customers. Customers can repay the loan taken in weekly or monthly EMIs as per their convenience.

Fees and charges

FlexiLoans does not charge any extra or hidden costs for its loan products. The company charges nominal processing charges as well as late payment charges in case of delay or default in payment of EMIs. The details of the same can be obtained from the customer care of the company.

Contact Details of FlexiLoans

Grievance Redressal Mechanim

Grievance Redressal Officer: Mr. Manish Lunia


Email id:


Privacy Policy Link:

FAQs - FlexiLoans Term Loan

1. What is the quantum of loan under FlexiLoans term Loan?

The quantum of loan under FlexiLoans Term Loan is Rs. 50,000 up to Rs. 1,00,00,000.

2. What is the tenure of loans?

The tenure of the loan is up to 24 months or 2 years.

3. What is the rate of interest of FlexiLoans Term Loans?

The rate of interest starts from 1% per month of the loan amount. The final rate of interest will vary from case to case.

4. What are the modes of payments of the EMIs?

The available modes of payment of the EMIs are,

  • Auto debit from the bank account via ECS form /NACH mandate
  • Post Dated Cheques (PDCs)

5. What are the other products of FlexiLoans?

The other products of FlexiLoans are,

  • line of credit
  • Loan against POS
  • Vendor Financing
  • Value Added Services

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