Collateral Free Business Loans – Get ₹5 Lakh to ₹50 Lakh!

Sanchetna Finance offers fast, collateral-free business loans for startups and MSMEs in India, enabling business growth without the need for asset pledging.

Key Loan Features

• No collateral or asset security is required at any stage of the application or approval process.


• Loan amounts typically range from ₹5 lakh up to ₹50 lakh, which is suitable for working capital, expansion, or equipment purchases.


• The application process is entirely online, featuring minimal paperwork and a convenient digital submission process.


• Approvals can be processed rapidly, sometimes in as little as 48–72 hours, with direct disbursal to the business account.


• Loans can be used flexibly for day-to-day business expenses, infrastructure upgrades, stock procurement, or hiring staff.


• Quick eligibility checks are available online, often taking just 2 minutes, making it easy for entrepreneurs to understand their loan options.

Eligibility and Benefits

• Many lenders require businesses to have 2–3 years of operating history and maintain basic income/turnover standards (such as a minimum ₹30 lakh turnover).


• A good credit score (typically above 685) increases approval chances and can affect the loan sanction amount.


• MSMEs and startups can leverage these loans for various needs, including inventory, staff salaries, new market entry, or equipment upgrades.


• Schemes like CGTMSE and PMMY (Pradhan Mantri Mudra Yojana) support collateral-free finance and help both new and established enterprises access funds without asset risk.

Unsecured business loans are ideal for growing businesses seeking financial flexibility and quick access to working capital while safeguarding their assets and maintaining ease of operation.