Business Loan

Growth requires capital, but it shouldn’t always require collateral. At WES BEN ENTERPRISES PVT LTD., we offer Unsecured Business Loans designed to fuel your entrepreneurial spirit. Unlike traditional secured lending, our business loans are based on your credit history and business performance, allowing you to access funds without pledging your assets.

Why Choose Our Unsecured Business Loans?

We specialise in supporting high-potential businesses by evaluating their true worth—their creditworthiness and operational success.

No Collateral Required:Keep your assets free while you get the funding you need.
Tailored for Growth:Ideal for startups, SMEs, and large enterprises alike.
Fast Approval:A streamlined evaluation process to ensure you don’t miss out on market opportunities.

Eligibility Criteria

We partner with businesses that show a strong track record and clear financial health. Our basic requirements include:

Entity Type:Open to Sole Proprietorships, LLPs, Partnerships, Start-ups, and Large Enterprises (excluding restricted or blacklisted industries).
Business Vintage:A minimum operational history of 6 to 36 months (varies by loan type).
Annual Turnover:Minimum turnover of ₹50,000+ at the time of application (quarterly or half-yearly).
ITR Filing:Minimum of 1 year with turnover details duly audited by a Chartered Accountant.
Age Limit:Applicant must be between 21 and 65 years at the time of loan maturity.
Credit Score:A score of 650+ is required (though 750+ is preferred for the best interest rates).
Location:Your office address must not be in a designated negative area.

Documentation Checklist

To speed up your application, please ensure you have the following documents ready:

Category	Documents Required
Identity & KYC	Duly filled application, 2 Passport photos, Aadhaar Card, Voter’s ID, or Passport.
Tax Information	Individual and Business PAN Cards.
Business Proof	Proof of Business Registration, GST Registration, and Business Ownership/Address proof.
Financials	CA-audited Balance Sheet, P&L statements (previous year), and ITR for the last 2-3 years.
Banking	Recent 6 months’ bank statements.