Nine questions. At the end you get an indicative range for both the unsecured and the secured route, and — the part nobody else gives you — the single factor that is limiting the number.
How this works out the number
Two independent constraints are calculated, and the lower one wins.
What your turnover supports. Lenders size unsecured business loans as a share of annual turnover — commonly 10% to 25%, rising with how long you have been trading. GST status and how the business is registered adjust it further.
What your cash flow can service. An assessed surplus is calculated from turnover, existing EMIs are deducted, and what remains is converted into the loan it could support at a typical rate and tenure.
Telling you which of those two is binding is the genuinely useful output. If turnover is the limit, you need security or more turnover. If serviceability is the limit, clearing an existing obligation or extending the tenure changes the answer — and that is often much easier.
This is an estimate, not an assessment
A lender will look at things no calculator can see: the actual pattern of credits in your bank statement, whether there have been cheque returns, how many enquiries are on your credit report, and their own appetite this month for your sector. Treat this as a well-informed starting point.
What makes the biggest difference
- Business vintage. Crossing three years changes the available multiple more than anything else.
- GST filings. Regular filing versus irregular filing is worth roughly 20% of your eligibility. No registration at all is worth about 40%.
- Existing obligations. Every rupee of existing EMI reduces what is available, often by more than people expect.
- Property. Not because it is required, but because it opens an entirely different and usually much larger route.
Will using this affect my credit score?
No. Nothing here touches your credit report. No bureau is contacted, no enquiry is made, and you are not identified to anyone.
How accurate is the range?
It is a well-informed estimate based on how Indian lenders typically size these loans. It cannot account for your actual bank statements or a specific lender's current appetite. Our advisors use the same logic as a starting point and then apply judgement.
Do I have to give my phone number?
No. The full result is shown to everyone. We ask for contact details only if you decide you want an advisor to look at it properly.