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Business Loan Interest Rate

Businesses backed by reliable funding sources can achieve amazing things. Regardless of where you are in the life span of your business, IDFC FIRST Bank business loans make it convenient to finance business needs. Whether you are a start-up or a seasoned entrepreneur looking to scale your business, IDFC FIRST Bank business loans can help.

We offer the industry's competitive business loan interest rates to make your financing affordable, so you can focus on achieving your business goals faster than your competition.

IDFC FIRST Bank business loans are designed to help you meet a variety of business requirements, including market expansion, equipment purchases, facility upgrades, and working capital requirements. With us, you can experience a convenient application process, personalised eligibility criteria, and preferential business loan interest rates.

Factors that Affect Business Loan Interest Rates

Business Reputation

A strong brand reputation can signal financial stability and trustworthiness to lenders.
A history of positive customer reviews and feedback can enhance your business' reputation and make it more attractive to lenders.

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Revenue

Higher and more consistent revenue generally indicates lower risk to the lender, which can lead to more favourable loan terms.
A growing revenue stream demonstrates your business's potential for future growth and financial stability.

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Existing Loans

Multiple existing loans can increase your debt burden making you a riskier borrower.
The terms and conditions of your existing loans can also impact your eligibility for future loans and the interest rates you'll receive.

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Relationship with the Bank

A long-standing relationship with the bank can demonstrate your commitment and trustworthiness.
Holding multiple bank accounts (e.g., Checking, Savings, Investment) can strengthen your chances of securing favourable loan terms.

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Repayment History

A clean repayment history on previous loans shows lenders that you are a reliable borrower.
Making timely payments can boost your credit score and make you more appealing to lenders.

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