Business Loans up to ₹50 Lakhs | Protium Finance for MSMEs
Up to ₹50 Lakhs

Empower Your Business with Protium Business Loans

Quick financing solutions designed for MSMEs and sole proprietors with minimal documentation and fast approval process.

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Most Popular

GST Business Loan Program

Avail business loans up to ₹50 Lakhs through our GST program designed for established businesses.

Key Features:

  • Loan Amount: ₹10 Lakhs – ₹50 Lakhs
  • Minimum CIBIL Score: 700
  • Minimum Business Vintage: 3 years
  • Minimum Annual Turnover: ₹1 Crore
  • BTO (Banking credit over Turnover): Minimum 70%
  • Maximum FOIR: 85%
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Banking Business Loan Program

Secure funding of up to ₹30 Lakhs with our banking program ideal for growing businesses.

Key Features:

  • Loan Amount: ₹5 Lakhs – ₹30 Lakhs
  • Minimum Business Vintage: 2 years
  • NTC (New to Credit) Allowed
  • Minimum Annual Turnover: ₹36 Lakhs
  • Minimum ABB: ₹25,000
  • Maximum FOIR: 80%
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Eligibility Criteria

Business Vintage

2-3+ Years

Annual Turnover

₹36L – ₹1Cr+

CIBIL Score

700+

Documents Required

Keep these documents ready when you apply for your business loan:

  • KYC (Borrower & Co-borrower)
  • Banking Statements (Last 6 or 12 months)
  • Latest ITR
  • GST (24 months) – For GST program

Why Choose Protium Business Loans?

Quick Processing

Fast approval process with minimal documentation requirements.

Flexible Loan Amounts

Business loans ranging from ₹5 Lakhs to ₹50 Lakhs based on your needs.

Minimal Documentation

Simple documentation process with clear requirements.

Ready to Grow Your Business?

Apply now for a Protium Business Loan and take the next step towards achieving your business goals. Our team is ready to assist you through the entire process.

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Frequently Asked Questions

What is the maximum loan amount I can avail?

Through our GST program, you can avail business loans up to ₹50 Lakhs. For the Banking program, the maximum loan amount is ₹30 Lakhs. The actual loan amount approved will depend on your business’s financial health and eligibility criteria.

What documents are required for applying?

You need to provide KYC documents (for both borrower & co-borrower), banking statements (last 6 or 12 months depending on the program), latest ITR, and GST returns for 24 months (for the GST program).

How long does the loan approval process take?

Our loan approval process is designed to be quick and efficient. Upon submission of all required documents, you can expect a decision typically within 2-3 business days.

Can I apply for a loan if I’m new to credit (NTC)?

Yes, under our Banking program, we accept applications from businesses that are new to credit (NTC). You’ll need to meet the other eligibility criteria including business vintage of at least 2 years and minimum annual turnover of ₹36 Lakhs.

What is FOIR and BTO mentioned in the eligibility?

FOIR stands for Fixed Obligation to Income Ratio, which measures the percentage of your income that goes toward paying debts. BTO stands for Banking Turnover Ratio, which is the ratio of banking credit to your business turnover. These metrics help us assess your repayment capacity.