Loan Process

Door-step services

Our representative will come to your business premise to help you understand the product.

No paper hassles

All required information and photo will be captured in our digital application by our representative.

Easy verification

Our credit representative will visit your business place and residence to conduct a simple verification.

Loan decision making

Our central credit team decides whether to sanction the loans using our unique data science model & credit bureau inputs.

Loan disbursement

Once the loan is approved, it is disbursed in your account. The loan documents are sent as an SMS link and you also get a true copy.

EMI Calculator

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  • Monthly EMI

  • Total Interest Payable

  • Total Amount Payable

    Principal + Interest


What is a business loan?

A business loan is a secured or unsecured loan given to small businesses. These loans can be used for various working capital requirements like upgrading or purchasing machinery, purchasing raw materials or for similar short term operational needs. The loan can be repaid in equal instalments at fixed monthly intervals.

Who can get a business loan?

Any individual who is in the age group of 21-59 years is eligible to get a loan. The person should be owning and running a business in the same area for 3 years or more. The business should be operated from a permanent structure.

What is the minimum and maximum loan amount?

Depending on the repayment capacity the minimum loan amount that can be availed is INR 50,000 and maximum loan amount limit is INR 25,00,000.

What documents are required for a business loan?

The documents that are required to avail the loan are KYC documents like Identify proof, address proof and business documents like bills/cash registers etc., For more details please click here

How do I apply for a business loan?

We have our branches across the country. To apply for a loan, you can contact our branch nearest to you. To know the branch location, please click here

What are the various benefits of a business loan from Aye?

We provide doorstep services, which means that our staff will come to the business place and residence for all process. Other than this, our documentation requirements are minimum and pricing is transparent. Only at the time of loan disbursement, to sign loan documents, you will have to visit our branch. Also, we have tie-up with insurance companies to protect your life and health.

How long does it take to sanction a loan amount?

Once you apply for a loan, our staff will visit your business place to assess loan eligibility. Our experts use this information along with our own insights to take a decision on your application. This process takes about 10-12 days.

Do I need to have a guarantor for a loan?

No guarantor is required for availing a loan. This saves you from the hassle of depending on others to get a loan.

What are the fees and charges?

For every case, that is disbursed we charge an application fee, processing fee and interest rate. Please note that we do not charge any fee during applying for a loan. Depending on the loan type, we also charge legal and technical fees. For more details, please click here

How do I pay the EMIs?

The EMIs can be paid through registered NACH or through specified banks. The process of registration of NACH is taken care by us.

I have a loan with Aye Fin – can I get another loan?

Yes, if you have completed a specified period being our customer and you have been paying your EMIs mostly on time then you can get another loan with us.

How do I contact you?

You can reach us directly through our branches or through our customer care number or you can email us. For further details, please click here