Find Out If You Qualify for a Commercial Loan
At Rohini Financial Services, we make business financing simple, transparent, and accessible. Whether you’re a growing enterprise, a trader, or a service provider, our Commercial Loan solutions are designed to help you expand your operations, manage working capital, or invest in new opportunities.
Understanding your eligibility criteria is the first step toward securing your business loan quickly and efficiently.
Who Can Apply for a Commercial Loan?
Our Commercial Loans are available for a wide range of businesses and professionals, including:
Proprietorships, Partnerships, LLPs, and Private Limited Companies
Manufacturers, Traders, and Service Providers
Self-Employed Professionals (such as doctors, architects, consultants, etc.)
Established Businesses looking for expansion, modernization, or infrastructure investment
Commercial Loan Eligibility Criteria
To qualify for a Commercial Loan from Rohini Financial Services, applicants typically need to meet the following requirements:
1. Business Vintage
Minimum 2 to 3 years of business operations with stable revenue.
Startups may be considered based on financial strength or collateral.
2. Annual Turnover
A consistent turnover that demonstrates business stability and repayment capacity.
3. Credit Score
A good credit history (CIBIL score of 700 or above) increases approval chances and may qualify for better interest rates.
4. Financial Documents
Bank statements, balance sheets, profit & loss statements, and IT returns for the last 1–2 years.
5. Collateral (if applicable)
For secured commercial loans, assets such as property, equipment, or inventory can be offered as collateral.
Unsecured loans are also available for eligible businesses with strong financial profiles.
6. Business Plan & Purpose
A clear explanation of the loan purpose (e.g., expansion, working capital, machinery purchase, or construction) helps tailor financing solutions effectively.
Documents Required
To speed up your loan approval process, keep the following documents ready:
Completed loan application form
KYC documents (PAN, Aadhaar, business registration proof)
Business financial statements (audited or certified)
Bank statements (past 6–12 months)
GST returns or IT returns
Collateral documents (if applicable)
Factors That Influence Eligibility
Business performance and profitability
Repayment history and existing loans
Nature of industry and market stability
Company structure and ownership pattern