Business Loan Consultant in Delhi — Compare 40+ Lenders Before You Borrow
Need funding to grow or manage your business? AF Advisors, a trusted business loan consultant in Delhi, helps businesses explore loan options from 40+ banks and NBFCs. With 22+ years of experience and ₹7,000+ Crore in loans disbursed, we provide personalized guidance for working capital, business expansion, and other financial requirements.Get expert assistance in comparing suitable loan options and choose financing that fits your business needs and cash flow..
Business Loan — quick facts
*Indicative — final rate, fee and tenure depend on the lender's policy and your profile.
- EMI = Principal + Interest, split monthly
- Depends on loan amount, tenure & rate
- Rate driven by turnover, banking & credit profile
- Shorter tenure keeps total interest cost lower
Get the Right Business Loan in Delhi with Expert Guidance
A business loan is finance extended to a proprietorship, partnership or company for working capital, expansion, equipment purchase or day-to-day cash flow needs. Depending on the lender and your profile, it can be secured or entirely unsecured, and is usually repaid as EMI over a tenure of up to 3–5 years.
Rigid financing and cumbersome processes shouldn't be what stands between you and the next stage of your business. Lenders assess your turnover, banking pattern, GST filings and credit history to decide how much to sanction and at what rate.
As a business loan consultant in Delhi, AF Advisors compares offers across 40+ banks and NBFCs, so you get a facility built around how your business actually runs, with simple documentation and a quick decision.
Fuel the next stage, without slowing the business down
The right facility keeps cash flowing while you invest in growth — here's what a well-structured business loan gets you.
Fast turnaround
With complete documentation, funds can be sanctioned and disbursed in as little as 3–7 working days.
Flexible end-use
Use funds for working capital, expansion, equipment purchase or bridging a cash flow gap — most lenders don't restrict end-use.
Builds business credit
Timely repayment strengthens your business's credit profile, improving terms on the next round of financing.
Interest paid on a business loan used for business purposes is generally allowable as a business expense under the Income Tax Act, 1961, subject to conditions. AF Advisors is not a tax advisor — please confirm applicability with your Chartered Accountant.
Every kind of business finance, under one roof
The right facility depends on your business structure, turnover and what the funds are for.
Working Capital Loan
To fund day-to-day operations, inventory and short-term cash flow gaps.
Term Loan for Expansion
For setting up a new unit, outlet or line of business, repaid over a fixed tenure.
Machinery & Equipment Loan
To purchase new machinery or equipment, often secured against the asset itself.
Unsecured Business Loan
No collateral required — sanctioned on turnover, banking and credit history.
MSME / GST-Based Loan
Assessed largely on GST returns and digital transaction history for registered MSMEs.
Business Loan Balance Transfer
Move an existing business loan to a lender offering a lower rate or better terms.
Loan Against Bills / Invoice Discounting
Unlock cash tied up in unpaid invoices from your customers.
Startup / New Business Finance
Structured options for early-stage businesses with limited operating history.
From first call to funds in your account
Five stages, start to finish. We stay on the file at every one of them.
Share your business details
Turnover, vintage and the amount you need — a five-minute conversation, on call or WhatsApp.
We shortlist lenders
Rate, processing fee and tenure compared across our 40+ bank & NBFC partners, including GST/banking-based options.
Documentation
GST returns, bank statements and ITRs organised and reviewed before submission — so nothing bounces back at the lender.
Sanction
Formal approval letter from the chosen lender, terms confirmed in writing.
Disbursement
Funds credited directly to your current account as per the sanction terms.
Who is eligible for a business loan?
Every lender has its own policy, but nearly all check the same three things first.
Business vintage
Most lenders expect the business or firm to have been operating for at least 2–3 years.
Turnover & banking
A minimum annual turnover and a healthy current account banking pattern signal repayment capacity.
Credit score
A healthy CIBIL/business credit score speeds up approval and widens your choice of lenders.
Documents required
The exact list depends on your profile.
KYC
- PAN Card & Aadhaar Card
- Passport / Voter ID
- Latest electricity bill
Income
- Last 2–3 years' ITR & financials
- Latest 2 years' GST returns
Bank
- Last 6–12 months current account statements
Business
- Business registration proof (GST, Shop Act, MSME/Udyam)
- Business address proof
KYC
- PAN Card & Aadhaar Card of partners/directors
- Company PAN
- Board resolution / authorisation letter
Income
- Last 2–3 years' ITR & audited financials
- Latest 2 years' GST returns
Bank
- Last 6–12 months current account statements
Business
- Incorporation certificate / partnership deed
- MOA & AOA (companies)
- GST registration certificate
Fixed vs floating interest rate
Both structures affect your EMI differently over the life of the loan — here's the difference in plain terms.
Fixed Rate
Stays the same for the loan tenure, unaffected by market movement.
- Predictable EMI, easier to budget
- Usually higher than the floating rate
- Doesn't fall even if market rates drop
Floating Rate
Moves with the lender's benchmark (repo-linked) rate.
- Typically lower over the loan's life
- EMI/interest cost can rise or fall with the market
- Preferred by most borrowers
Key factors to check before you apply
Lenders size the loan against your annual turnover and banking pattern — overstating either slows down approval.
Offering collateral usually brings down the rate; unsecured loans are faster but priced higher.
Business loan rates vary widely by lender and risk profile — always compare the effective cost, not just the headline rate.
Typically 1%–3% of the loan amount — factor this into your actual cost of funds.
Check foreclosure and part-prepayment charges before signing, especially if you expect to repay early from cash flow.
What you get with AF Advisors
- Secured & unsecured facilitiesELIGIBLE
- GST / MSME-based assessmentSUPPORTED
- Tenure optionsUP TO 5 YRS
- Business loan balance transferAVAILABLE
- Documentation & CA-financial supportINCLUDED
- Eligibility check & lender comparisonNO COST
One team, every kind of secured finance
Home Loan
Owning a house is everyone's dream — we build the platform that gets you there, with rates and terms matched to your profile.
View →Loan Against Property / Mortgage Loan
Unlock the value already sitting in your property, with funding of up to ₹100 Cr and structures tailored to your need.
View →Business Loan
Finance your next big move with flexible interest rates, tenure and payback options built around how your business actually runs.
You are hereCommercial Loan
Owning your workplace builds equity and saves on rent — we arrange the right loan to make that commercial property yours.
View →Industrial Property
No business dream is too big — tailor-made financing for manufacturing setup, expansion, and industrial or office equipment.
View →Overdraft / CC
A revolving credit limit for business or personal use — pay interest only on what you draw, not the full sanctioned amount.
View →Not sure which one?
Tell us your need — we'll match the right product.
Talk to an advisor →Banks & NBFCs we work with
A snapshot of our lending network across Delhi NCR — the full list runs to 40+.
- State Bank of India
- HDFC Bank
- ICICI Bank
- Axis Bank
- Punjab National Bank
- Bank of Baroda
- Kotak Mahindra Bank
- IDBI Bank
- LIC Housing Finance
- PNB Housing Finance
- Bajaj Housing Finance
- Tata Capital Housing Finance
- Canara Bank
- Union Bank of India
- IndusInd Bank
- Aditya Birla Housing Finance
See the number before you commit to it
Loan amount, tenure and rate — adjust each and watch your monthly EMI change in real time.
Check your eligibility for Business Loan
Share your details — an advisor will call you back with the best-matched lenders.
Why choose a loan consultant over walking into one bank
Options with no collateral
We shortlist unsecured business loan options first where your turnover and credit history support it, before asking you to pledge security.
Fast turnaround
With complete documentation, funds can be sanctioned and disbursed in as little as 3–7 working days.
No cost to you
Eligibility checks and lender shortlisting are free for the borrower — we're compensated by the lender only after disbursement.
Business Loan FAQs
Eligibility depends on your business turnover, banking pattern, existing obligations and credit history. We check this across multiple lenders so you see the real range on offer.
Not always — many lenders offer unsecured business loans based on turnover and credit history. Offering collateral, where available, usually brings the rate down.
Broadly: KYC of the applicant/promoters, business registration proof, ITR and GST returns, and bank statements. Exact requirements vary by loan type — we give you a checklist specific to your case.
Yes — this is a balance transfer. If your current lender's rate has fallen behind the market, we assess whether the switching cost is worth the savings.
The eligibility check and lender comparison cost you nothing. We're compensated by the lender once a loan is disbursed.
With complete documentation, sanction typically comes through in 3–7 working days. Higher-ticket or collateral-backed loans can take a little longer.