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Long-Term Loans


Overview

Our Long-Term Loans are specially designed for businesses planning major expansions, infrastructure development, or significant capital investments. With extended repayment tenure up to 15 years, these loans provide the financial backbone for your long-term growth strategy while maintaining manageable monthly payments.

Loan Amount

₹10 Lakh – ₹5 Crore

Interest Rate

10% – 16% p.a.

Tenure

5 – 15 Years

Processing

3 – 7 days

Business Meeting

Key Features

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Flexible Loan Amount

Access substantial funding from ₹10 lakhs to ₹5 crores for major business investments and expansion plans.

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Quick Processing

Enjoy repayment flexibility with tenure options from 5 to 15 years, ensuring comfortable EMIs.

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Flexible Tenure

Competitive rates starting from 10% per annum, designed for long-term affordability.

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Competitive Interest Rates

Enjoy attractive interest rates starting from 12% per annum based on your credit profile.

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No Usage Restrictions

Use the loan for any legitimate business purpose – equipment, expansion, working capital, or inventory.

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Minimal Collateral

Collateral requirements are minimal and flexible based on loan amount and business profile.

Eligibility Criteria

For Businesses

  • Business should be operational for minimum 2 years
  • Annual turnover of minimum ₹50 lakhs
  • Profit in at least 2 out of last 3 years
  • Good credit history with CIBIL score above 650
  • Business should be in manufacturing, trading, or service sector

For Applicants

  • Age between 25 to 65 years
  • Should be promoter/director/partner of the business
  • Minimum qualification: Graduate
  • Stable residential address for minimum 2 years
  • No history of loan defaults or criminal cases

Documents Required

👤 Personal Documents

  • PAN Card of all promoters/directors
  • Aadhaar Card of all promoters/directors
  • Passport size photographs (6 nos.)
  • Residence proof (Utility bills/Rent agreement)
  • Educational certificates
  • Bank statements (last 12 months)

🏢 Business Documents

  • Certificate of Incorporation/Partnership deed
  • MOA & AOA/Partnership agreement
  • Business registration certificates
  • GST registration certificate
  • Trade license/Shop establishment
  • Business bank statements (24 months)

📄 Financial Documents

  • Audited financial statements (3 years)
  • ITR with computation (3 years)
  • GST returns (last 12 months)
  • Management accounts (latest)
  • Stock statements and aging
  • Loan statements of existing loans

Other Fees & Charges

Processing Fee 1% to 3% of loan amount Legal & Technical Fee 0.5% to 1% of loan amount
Prepayment Charges 2% to 4% of outstanding Cheque Return Charges ₹500 per instance
Late Payment Fee 2% per month Statement Charges ₹100 per statement
Documentation Fee ₹5,000 to ₹15,000 Loan Cancellation 1% of sanctioned amount
ℹ️ All fees and charges are subject to GST as applicable. Actual fees may vary based on loan amount, tenure, and risk assessment.

Application Requirements

1

Initial Application

Submit the loan application form with basic business and personal details.

2

Document Submission

Provide all required documents for verification and assessment.

3

Credit Assessment

Our team will evaluate your creditworthiness and business viability.

4

Property Valuation

Technical and legal verification of collateral property (if applicable).

5

Loan Approval & Disbursement

Upon approval, complete loan documentation and receive funds.

Application Image

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Call: +91 98765 43210   |   Email: loans@nbfcfinance.com