KFINONE | LOGINTOLOANS | KINFOMEDIA

KURAKULA'S Business Loans: Fuel Your Growth Journey

KURAKULA'S we empower businesses with tailored financing solutions. Whether you're starting up, scaling up, or optimizing operations, our loans provide the strategic capital you need to thrive.

  • Term Loans: Secure substantial capital for long-term success
  • Business Expansion Loans: Maintain momentum with seamless cash flow
  • Invest in Equipment and Technology: Scale confidently into new markets
  • Equipment Financing Loans: Upgrade without draining working capital
  • Invoice Financing & Bill Discounting: Transform unpaid invoices into immediate cash

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Eligibility Criteria

  • Business Profile Entity Type: Sole Proprietorships, Partnerships, LLPs, Private/Public Companies, MSMEs. Sector: Services, trading, or manufacturing (non-farm)
  • Operational History Minimum 1 year in business with stable location. No frequent changes in business address
  • Applicant Details Age: 21-65 years, Indian citizenship required. Valid ID proof mandatory
  • Financial Health Credit score 700+, stable revenue, healthy cash flow. No defaults in last 12 months
  • Application Strengtheners Collateral and asset ownership improve approval chances. Property, equipment, or inventory
  • Financial Documentation Complete ITR filings for last 2 years, GST returns, and bank statements. 6 months bank statements required
  • Business Type No blacklisted industries or speculative businesses eligible. Manufacturing, services, retail preferred

Why Choose Kurakulas for Your Business Loan?

  • Pre-Approved Offers: Get instant pre-qualified offers with just your basic details, saving you time and effort.
  • Secure & Confidential Process: Your data is protected with bank-level encryption, ensuring complete privacy and security.
  • No Collateral Required Options: Explore unsecured funding solutions without risking your business or personal assets.
  • Wide Lender Network: We connect you with the best offers from 20+ leading banks and NBFCs all in one place.
  • Versatile Usage: Use the funds for any business need—working capital, expansion, new equipment, or inventory purchase.
  • Flexible Moratorium Period: Option to avail an EMI holiday at the beginning of your loan term to ease initial cash flow.
  • Digital Application Tracking: Track your loan application status in real-time through our online portal or app.
  • Industry-Specific Solutions: Tailored loan products designed for retail, manufacturing, services, and other specific sectors.
  • Easy Eligibility Check: Instantly check your eligibility online in 2 minutes without any impact on your credit score.
  • Debt Consolidation Facility: Simplify your finances by merging multiple high-interest loans into one manageable EMI.
  • Special Offers for Women Entrepreneurs: Access exclusive loan schemes with preferential terms to empower your business growth.
  • No Obligation Quotes: Receive and compare your loan terms with absolutely no obligation to proceed.

Business Loan Document Checklist

All required documents for your loan application

A. Essential KYC & Identity Proof (For All Applicants)
  • PAN Card: Copy of your business's PAN card and the PAN cards of all promoters/partners.
  • Address Proof (Individual): For all promoters/partners. You can provide any one of:
    • Aadhaar Card
    • Passport
    • Voter ID
    • Driving License
  • Address Proof (Business): For your office, shop, or factory. You can provide any one of:
    • Electricity Bill
    • Water Bill
    • Telephone Bill
    • Property Tax Receipt
  • Photographs: Two recent passport-size photographs of all promoters and property owners.
B. Crucial Financial Documents (The Health Report of Your Business)
  • Bank Statements: Last 12 months' current account bank statements.
  • Income Tax Returns (ITR): Personally and for your business, for the last 2-3 years.
  • GST Returns: GST registration certificate and GST returns for the latest 2 years.
  • Financial Statements: Audited or provisional financial statements (Balance Sheet, Profit & Loss Account) for the last year and projections for the future.
C. Business Legitimacy & Registration Documents
  • Business Profile: A brief overview of your business on company letterhead.
  • Business Registration Proof:
    • For Sole Proprietorships: Udyam Aadhaar Registration Certificate or MSME certificate (if applicable)
    • For Partnerships: Partnership Deed and Firm PAN Card
    • For Pvt. Ltd. Companies: Certificate of Incorporation, MOA, AOA, and a list of directors & shareholders
  • Other Registrations: Copies of VAT, Sales Tax, or other business-specific registration certificates.
D. Additional Documents (If Applicable)
  • Property Documents: If you are providing property as collateral, relevant ownership papers will be needed.
  • Rental Agreements: If your business premises or residence is rented, a copy of the rental agreement.

Master Your Business Loan EMI in 5 Simple Steps

Navigating a business loan doesn't have to be complicated. Our EMI calculator is designed to give you instant clarity and confidence. Here’s how to make it work for you:

  1. Start with Your Vision: Enter the amount you need to bring your business goals to life. This is your Loan Amount—the fuel for your growth.
  2. Find Your Comfort Zone: Adjust the Loan Tenure. A longer period lowers your monthly payout; a shorter one clears debt faster.
  3. Get Your Instant Estimate: Provide the Interest Rate offered by our partners and click Calculate.
  4. Understand the Full Picture: View a complete breakdown of Monthly EMI, Total Interest, and Total Repayment.
  5. Plan with Confidence: Experiment with the numbers until you find an EMI that fits your monthly budget.

Account Statement Requirements

    Account Statement:

  • Business registration proof (for self-employed applicants) such as GST Certificate, Shop Act License, or Partnership Deed
  • Audited financial statements (Profit & Loss Account and Balance Sheet) for the last 2 years
  • Bank statement of business account for last 12 months (if applicable)
  • Proof of Ownership/Lease Agreement of business premises
  • KYC documents of Applicant/Co-applicant/Guarantor – PAN Card, Aadhaar Card, Passport, or Voter ID
  • Recent passport-size photographs of Applicant and Co-applicant
  • Any existing loan sanction letter copies (if applicable)
  • Company/Business PAN Card (in case of firm/company applicants)