Firstfund is not a lender. Loans come from RBI-regulated banks and NBFCs.
Business loan in Bengaluru
Share your business details once. Our team will connect you with RBI-regulated banks and NBFCs that lend to Bengaluru businesses, and explain every cost before you decide.
At a glance
The amount, rate and tenure depend on the lender, your business and your credit history.
Who we help
From neighbourhood shops to workshops and clinics, lenders fund all kinds of Bengaluru businesses.
Stock, a refit or a second outlet.
Bigger orders and longer credit to buyers.
Machines, raw material and working capital.
Kitchen equipment, interiors and expansion.
Equipment and a practice of your own.
Hiring, technology and day-to-day costs.
Each lender serves its own list of areas. Share your business PIN code and our team will tell you which lenders cover it.
What it’s for
Local guide
Bengaluru’s businesses include the manufacturing units of Peenya, Bommasandra and Jigani, wholesale trade in Chickpet, KR Market and SP Road, and a large base of startups, IT service firms, cafés and clinics.
Manufacturers here often borrow for machinery and for working capital tied to orders from larger companies; service firms borrow for hiring and technology. If you supply large companies on credit, invoice discounting or a TReDS platform can turn those invoices into cash. Lenders will look at your GST returns, bank statements and 2 years of ITR.
Many units sit just outside the city, along Hosur Road or in Bidadi and Doddaballapur, where lender coverage can differ from the centre. Share your business PIN code and our team will tell you which lenders can serve you.
Eligibility
Each lender sets its own criteria. Keep these handy; you won’t need to upload them on Firstfund.
Good to know
For MSME term loans, the lender must give you a Key Fact Statement with the APR, every fee and the repayment schedule before you sign. A fee that isn’t in it can’t be charged without your consent.
For floating-rate business loans to individuals and micro and small enterprises, sanctioned or renewed from 1 January 2026, banks and larger NBFCs can’t charge a prepayment fee. Small finance banks, regional rural banks, some co-operative banks and mid-sized NBFCs can’t charge one on such loans up to ₹50 lakh.
Firstfund doesn’t charge you to apply. A real lender pays the loan into your business’s bank account, deducts any processing fee shown in the KFS, and never asks for money upfront.
Based on Reserve Bank of India directions on Key Facts Statements (2024), pre-payment charges (2025) and digital lending (2025). Your lender’s KFS and loan agreement have the final terms.
Questions
Lenders lend where they operate, so where your business is registered and runs decides which lenders can serve you. Share your business PIN code and our team will check.
Many lenders ask for it, but not all. Some accept other business proof, such as Udyam registration or a shop licence, especially for smaller amounts.
Not always. Many lenders offer unsecured business loans. Larger amounts or longer tenures may need security, such as property or the equipment you buy.
Invoice discounting or TReDS can pay you most of the invoice value now. Under the MSMED Act, buyers should pay micro and small suppliers within 45 days, and you can report delayed payments on the MSME Samadhaan portal.
It is harder. Most lenders look for at least 2 years of business and a taxable profit. Some lend smaller amounts to newer businesses, and early-stage startups usually raise equity before they borrow.
No. Sharing your details with Firstfund is free. Lenders may charge a processing fee, which they must show in the Key Fact Statement.
Your next step
Share your details once. Our team will connect with you about the next steps.
Free. Firstfund never asks for an upfront payment.