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Overview Eligibility Features & Benefits Fees & Charges Documents FAQs Terms & Conditions

Product Overview

Protium Finance Business Loan is designed to support MSMEs and small business owners with fast and flexible financing solutions. It helps businesses manage working capital, expand operations, purchase inventory, and handle day-to-day expenses.

With a digital-first approach, Protium Finance ensures quick approvals, minimal paperwork, and easy access to funds.

With fast processing, minimal documentation, and easy eligibility, it is a reliable option for entrepreneurs and individuals looking for quick financial assistance.

Eligibility Criteria

Applicant must be an Indian resident
Age: 21 to 65 years
Minimum business vintage: 1 year or more
Stable business income/turnover
CIBIL Score: Generally above 650
Self-employed individuals / business owners

Features & Benefits

Loan Amount: ₹2,00,000 to ₹50,00,000 (up to ₹3 Crore for machinery)
Quick approval & fast disbursal
Minimal documentation required
Collateral-free loan options available
Flexible repayment tenure up to 5 years
Suitable for various business types
Digital and hassle-free application process
Competitive interest rates

Fees & Charges

Processing Fee: 3% to 7% +GST
Interest Rates: 11% – 36% p.a. (Fixed or Floating)
Processing Fee: 3% to 7% of the loan amount (+GST)
Foreclosure Charges: Nil for first 12 months (in some schemes), otherwise 5%–6% of outstanding principal
Penal Charges: Applicable on delayed EMIs
Other Charges: As per lender policy

Documents Required

Identity Proof (Aadhaar Card / PAN Card)
Address Proof
Business Proof (GST Certificate / Shop Act / Registration Certificate)
Bank Statements (Last 6 months)
Income Proof (ITR / Profit & Loss Statement)
Passport-size photographs

FAQs

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It is designed to support business needs such as expansion, working capital, and operational expenses.

You can apply through digital platforms or authorized partners of Protium Finance.

Yes, it is available across multiple locations in India.

MSMEs, small business owners, and self-employed individuals are eligible.

Yes, repayment options are structured based on business requirements.

Terms & Conditions

Loan approval is subject to internal credit policies of Protium Finance
Interest rates, tenure, and loan amount may vary based on profile
Applicant must provide accurate and complete documents
Processing fees are non-refundable
Prepayment/foreclosure charges may apply
Late payments may attract penalties and affect credit score
Final approval is at the sole discretion of the lender
Loan disbursal is subject to verification and formalities

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