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Fuel Your Business Growth with the Right Funding

Whether you're launching a new venture, expanding operations, purchasing equipment, or managing working capital, Goodluck Finance Services offers tailored business loan solutions that meet your unique needs. We partner with 30+ banks and NBFCs to ensure you get the most competitive rates and fastest approvals in the market.

Our dedicated business lending team understands the challenges of running a business. We simplify the borrowing process so you can focus on what matters most — growing your business and serving your customers.

Types of Business Loans We Offer

MSME Loans

Collateral-free loans up to Rs. 50 Lakhs for micro, small, and medium enterprises. Quick processing with government-backed schemes like MUDRA and CGTMSE.

  • No collateral required
  • Subsidized interest rates
  • Approval within 5-7 days
Term Loans

Long-term business loans from Rs. 5 Lakhs to Rs. 2 Crores for expansion, machinery purchase, or infrastructure development with tenure up to 7 years.

  • Flexible tenure up to 7 years
  • Fixed or floating rates
  • Moratorium period available
Working Capital Loans

Manage day-to-day operations smoothly with working capital loans. Overdraft facilities, cash credit lines, and revolving credit options available.

  • Pay interest only on utilization
  • Renewable annually
  • Quick disbursement
Startup Loans

Special loan programs for new businesses and startups. We help first-time entrepreneurs access funding through government schemes and startup-friendly lenders.

  • Startup India scheme support
  • Business plan assistance
  • Mentorship included

Key Features & Benefits

Loan Amount
Rs. 1 Lakh to Rs. 2 Crores based on business profile and turnover.
Interest Rate
Starting from 11% p.a. with rates based on business vintage and financials.
Tenure
Flexible repayment from 12 months to 84 months (7 years).
Fast Processing
Loan approval within 48 hours, disbursement within 3-5 business days.

Eligibility Criteria

  • Business vintage of minimum 2 years (1 year for MSME schemes)
  • Minimum annual turnover of Rs. 10 Lakhs
  • Profitable business for at least 1 financial year
  • Valid GST registration and ITR filing
  • No major defaults or CIBIL issues for the business or proprietor
  • Applicable for proprietorship, partnership, LLP, and Pvt. Ltd. companies

Documents Required

Business Documents
  • Business registration certificate
  • GST registration & returns
  • Partnership deed / MOA / AOA
  • Shop & Establishment Act license
Financial Documents
  • Last 2 years ITR with computation
  • Last 2 years audited balance sheets
  • Last 12 months bank statements
  • KYC of all directors / partners

Government Schemes We Help You Access

MUDRA Loans
Up to Rs. 10 Lakhs for micro enterprises under Shishu, Kishor & Tarun categories.
CGTMSE
Collateral-free credit up to Rs. 2 Crores with government guarantee coverage.
Stand-Up India
Loans from Rs. 10 Lakhs to Rs. 1 Crore for SC/ST and women entrepreneurs.

Frequently Asked Questions

Yes! Under MUDRA and CGTMSE schemes, collateral-free business loans are available up to Rs. 2 Crores. Many of our NBFC partners also offer unsecured business loans up to Rs. 50 Lakhs based on your business profile and cash flows.

Most lenders require a minimum business vintage of 2 years. However, under MUDRA schemes, even businesses operational for 1 year can apply. For startups, we have special financing options through startup-friendly NBFCs and government programs.

The loan amount is determined based on multiple factors including your annual business turnover, profitability, existing liabilities, credit score, collateral value (if offered), and the purpose of the loan. Generally, lenders offer up to 30-40% of annual turnover as unsecured business loans.

Yes, most business loans allow prepayment after a lock-in period of 6-12 months. Prepayment charges typically range from 0-4% of the outstanding amount, depending on the lender and loan type. Many floating rate loans have zero prepayment charges.
Need Business Funding?

Talk to our business loan specialists for personalized guidance and the best deals.

+91 8930296373

Ready to Take Your Business to the Next Level?

Get a customized business loan offer in just 48 hours. No hidden fees, no surprises.