Collateral Free Business Loan

An individual's yearly income is verified by obtaining an income certificate, which is an essential document in India. State residents need an income certificate in order to participate in any federal or state welfare program. LeagalDcos Advisor is where you may go to get help for your income certificate application from your state goverment.

Easy Process and Documentation

Required Paperwork

  • Government of the Central/State issued photo ID proof.
  • Address proof issued from Central /state government.
  • Passport-size colour photograph.
  • Ration card (BPL) or National Food Security Card. (if applicable)
  • Signed self-declaration from applicant/head of family.

Process, Service Charges, Time duration

  • When you send us your paperwork, our experienced staff will review your paperwork with local government officials to determine the service’s cost, feasibility, and completion date. After a quote has been given, it remains fixed. Location affects project duration and cost. Send us your documents and specific requirements to get a price and turnaround estimate.
  • On an average Procurement takes four to six weeks.
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Estimated range of cost : Rs. 2500 to Rs. 5000

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1. Check your Business for loan Eligibility

2. Submit an Online Application

3. Get Sanctioned

4. Receive Funds within 3 days


Eligibility CriteriaDescription
Age:21 to 65 years
Minimum Turnover:₹ 6,00,000
Business Existence (in months):6 months
ITR (months):24 months
Loan Amount:₹ 50,000 to ₹ 1 Cr
Loan Tenure:36 months
Owned House or Place of Work:Not Required
CIBIL Score:750 and above


  • Proof of personal address: Aadhaar card, voter ID, bank statement, register copy, rental agreement, utility bill
  • Identification documents: passport, driver’s license, PAN card, Aadhaar card, voter ID
  • Proof of Business Existence: PAN, VAT/Excise/VAT/Service Tax Registration, Copy of Partnership Certificate, Business License, Certificate of Practice, RBI, Certificate of Registration issued by SEBI 
  • Copy of 24 months Income Tax PAN
  • Bank statements for the last 6 months


There are various types of loans available in the market that companies can take advantage of. Depending on loan requirements, risk, repayment period and eligibility, these loans are classified as follows: :
  •  Business lines of Credit
  •  Commercial Real Estate Loans
  •  Equipment financing
  •  Invoice financing
  •  Term Loans
  •  Micro Loans
  •  Working Capital loans


Bank offers loan at 18.00% rate with the lowest EMI of ₹ 3,615 per lakh. If you are paying EMI more than this then you can opt for balance transfer and relocate your loan to EZO Business Loan.
Interest rates on Business loan in EZO are very attractive starting from 18.00% to 27.00%. Bank offer various offer for self employed professionals to get loan at very low rate of interest.
If you apply for loan from EZO, your lowest EMI per lakh will be ₹ 3,615.
These loans are shorter tenure loans. You can repay your loan in a flexible period of minimum 1 months to maximum 36 months.
EZO Business Loan offers you a loan if you need a minimum amount of ₹ 50,000 to a maximum amount of ₹ 1 Cr.
EZO Business Loan charges a processing fee of 2% of loan amount with applicable tax.
Yes, age is an important eligibility factor to get a loan as you should be at least 21 years old at loan approval time and 65 years old at loan maturity time.
Bank charges a fee in case you want to repay your entire loan amount before the end of tenure period. The fee charged by EZO is Nil foreclosure charges.