Check If You Qualify for Flexible Business Funding
A Dropline Loan from Rohini Financial Services gives you the flexibility to manage your business cash flow while paying interest only on what you use. To ensure quick approval and the best loan terms, it’s important to meet a few basic eligibility criteria.
✅ Eligibility Criteria
👤 Applicant Type
You can apply for a Dropline Loan if you belong to one of the following categories:
Self-employed professionals (Doctors, Architects, Consultants, etc.)
Business owners and entrepreneurs
Small and Medium Enterprises (SMEs)
Traders and manufacturers
Partnership firms and private limited companies
💼 Business Vintage
The business should have a minimum operational history of 2–3 years.
Applicants must show consistent revenue and positive cash flow during this period.
💰 Income Requirement
The applicant should have a stable income or business turnover as per the loan amount applied.
Proof of repayment capacity (via income tax returns or financial statements) is required.
🏦 Credit Score
A minimum credit score of 700 is generally preferred for faster approval and competitive interest rates.
Applicants with a strong repayment track record may be eligible for a higher credit limit.
📍 Residency
The applicant must be an Indian citizen with valid identity and address proof.
📄 Documents Required
Keep these documents handy to ensure faster loan processing:
KYC Documents: PAN Card, Aadhaar Card, Passport, or Voter ID
Business Proof: GST Registration, Udyam Certificate, or Partnership Deed
Financial Statements: Last 2 years’ ITR, Balance Sheet, and Profit & Loss Account
Bank Statements: Last 6 months
Address Proof: Utility bill or business address proof
Photographs: Passport-size photos of the applicant(s)
💡 Tips for Easy Approval
Maintain a good credit score and clean financial history.
Ensure all documents are updated and accurate.
Choose a realistic loan amount based on your repayment capacity.