Here are a few factors

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Location Delhi, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Jodhpur, Coimbatore,
Ahmedabad, Indore, Surat, Vijayawada
CIBIL Score 680+
Processing Offline
Business Vintage 3 Year
Minimum Turnover 1 Cr+
Loan Amount & Tenure 10 Lac- 50 Lac
(12 month- 36 Month)
Loan Product Only Term Loan No OD Limit
Rate of Interest & Type Income Program-18% to 19% Banking & GST Program-20%-22% (Reducing)
TAT Sanction-3 Days
Disbursement-7 Days
Processing Fees 2%
Foreclosure Charges 4%
Applicant Type Any Self Employed Person
Whether Co-Applicant Mandatory Yes
Proprietor Age/Co-Applicant Age 24 Year-60 Year
Part Payment Allowed No
Whether Ownership Proof Required Yes, Either Office or Residence should be owned within Branch Location
Business Registration Proof Mandatory Yes
Program GST Program-25 Lac, Banking Program-25 Lac, Income Program-50 Lac
Product for Professionals No
Negative Profile Both Side Rented Applicant, Grain Traders, Advocates, Jewellers, Share Traders, Gym,
Liquor Business, Real Estate
USP 1. No of Enquiries not matter
2. No. of running loan doesn't matter
Additional 1. 51% Shareholding required on Loan if applicant is LLP/Partnership firm/Company 
Right Documents - Easy Process

Required Documents to Apply for Credit Saison Business Loans

  • KYC of applicant & Co-Applicant
  • Last 3 year ITR with computation of income of applicant & co-applicant
  • Last 3 year audited balance sheet of applicant
  • Last 3 year Tax audit report of applicant
  • Last 12 month Bank Statement of applicant & co-applicant
  • 26AS of last 2 year of applicant & co-applicant
  • Copy of GST registration
  • Copy of MSME registration
  • Copy of Last 12 month GST return
  • Sanction letter of all running loan
  • Debt Sheet
  • Latest utility Bill of residence if owned or rent agreement if rented
  • Latest utility Bill of Office if owned or rent agreement if rented
  • 2 Reference with contact details
  • Last 3 year Debtors & Creditors on letter head
  • List of Directors & Shareholders, if applicant if Company or List of Partners if applicant is Partnership firm/LLP

Note : Credit Saison Business Loan may ask for additional documents based on the applicant’s profile. The above list is for reference purposes only.

Some Important Points

1. KYC Means If Applicant is
  • Company-MOA, AOA, COI , PAN Card
  • Partnership Firm/LLP- Partnership Deed & PAN Card
  • Proprietorship Firm- PAN Card, Adhaar Card, Passport size photo
For Co-Applicant
  • KYC means  Adhaar Card, PAN Card, Passport Size Photo
Co-Applicant means in case of
  • Company : Directors
  • Partnership firm/LLP : Partners
  • Proprietorship Firm : Spouse of Proprietor
2. If applicant is professional, then his professional degree is required

About Credit Saison Business Loan

Welcome to a world without restrictions, where you may pursue your entrepreneurial aspirations. Introducing the Credit Saison Business Loan, a driver of development, creativity, and resounding achievement in the business world.

Every note of growth and development matters in the composition of the business. With Credit Saison at its side, your company sets off on a journey driven by specialized finance solutions that recognize your particular requirements.

A Credit Saison Business Loan equips you with the means to realize your goals, whether they include starting new businesses or expanding existing ones.

Visit Our Website

For the first step, you will have to visit our website to explore the loan options that fit your needs.

Select and Apply

Once you shortlist the loan you have been looking for, apply for it, and proceed with the further process.

Submit Your Document

One of the most important steps. Now you will have to submit all the required documents digitally.

Enjoy Your Financial Freedom!

Once your application is approved based on your eligibility, you will receive your loan amount shortly.

Leave Your Question


Credit Saison Business Loan is a financial service offered by Credit Saison India, a tech-based non-banking financial institution. The loan is intended for SMEs seeking funds for working capital needs, business expansion, or other related purposes.

You can apply for this loan online. Visit the Credit Saison India website, complete the application form and provide your business details. This includes your business name, address, PAN, GSTIN, and bank account information. Documents like KYC, proof of business, and financial statements will also need to be uploaded.

 Eligibility criteria include having a registered business (proprietorship, partnership, LLP, or private limited company), being operational for a minimum of 24 months, having an annual turnover of at least Rs. 1 Cr, a positive net worth and cash flow, as well as good credit history and score.

Interest rates start from 18% per annum. Other charges include a processing fee (up to 2% of the loan amount plus GST), penal/additional interest rate (2% per month on the overdue amount plus GST), and miscellaneous charges. Foreclosure charges vary based on the timing of foreclosure.

 You can borrow anywhere between Rs. 10 lakh to Rs. 50 lakhs. The duration for the loan can vary between 12 months and 36 months.