Small-Value Business Loan – Support for Your Small Dreams | Grow Rupiz
Big dreams often start small. Whether you run a tea stall, a general store, a beauty parlour, or a small online business, sometimes a little extra money is all you need to grow. That is where a Small-Value Business Loan can help. At Grow Rupiz, we do not give loans ourselves. But we help people like you get the right loan from banks and NBFCs. We guide you at every step—no confusion, no stress.
What is a Small-Value Business Loan?
A Small-Value Business Loan is a loan of a small amount, usually between Rs. 25,000 to Rs. 5 lakh. It is given to small shop owners, traders, service providers, and others who need money to run or grow their small businesses.
This type of loan is perfect for:
- Buying stock or materials
- Paying rent or salaries
- Expanding your shop
- Doing marketing or delivery
- Managing daily expenses
You do not need a big business or big documents. Even small businesses and beginners can apply.
Who Can Apply for a Small-Value Business Loan?
This loan is best for:
- Kirana (grocery) shop owners
- Street vendors
- Tailors and parlour owners
- Mobile/DTH recharge shop
- Small tea or food stalls
- Fruit and vegetable sellers
- Photocopy & stationery shops
- Small manufacturers or delivery agents
- Online sellers (Instagram, Meesho, Amazon, etc.)
- Service providers like electricians, plumbers, tutors, etc.
If you have a small but steady business, you can apply—even if your income is not very high. Just remember, it is easier than getting high-value business loans.
How Grow Rupiz Helps You
At Grow Rupiz, we act like your loan guide. We understand your need and connect you to the best lender. We do not charge you for our help. Here is how we work:
- Listen to Your Need: We talk to you, understand your business, and how much loan you need.
- Find the Right Loan: We check which banks or NBFCs will give you a small business loan at good terms.
- Help with Documents: We tell you what documents you need and help you prepare them correctly.
- Apply on Your Behalf: We apply to the lender with your papers and follow up with them regularly.
- Get the Loan: Once approved, you get the loan in your bank account. We support you till the end.
We do this every day for shopkeepers and small business owners—just like you.
Benefits of Small-Value Business Loan
- Small Amounts for Daily Use: No need to take a big loan if you do not need it. Take only what suits your business.
- Quick Process: Most lenders approve and give money within 3–7 working days.
- Low Documents: Some lenders need only Aadhaar, PAN, and bank statement.
- No Collateral Needed: You do not have to give gold, land, or house as security.
- Helps Grow Your Credit Score: If you repay on time, it helps build a good credit history for future loans.
- Easy EMIs: Pay in small parts every month. EMIs can start from Rs. 1,000–Rs. 2,000 depending on your loan.
Documents Required for a Small-Value Business Loan
Not all lenders ask for many documents. But commonly you need:
- Aadhaar Card
- PAN Card
- Address proof (if not on Aadhaar)
- 6-month bank statement
- Business proof (Shop license, Udyam, bills, etc.)
- Income proof (if available)
Even if you do not have all the papers, talk to us. We may still help.
Eligibility for Small Business Loan
- Age: 21 to 60 years
- Business running for at least 6 months
- Income from the business
- Bank account in your name
- Basic KYC documents
Some lenders allow loans even if your CIBIL score is low, especially for small amounts. We can also assist you in getting a low CIBIL loan for your business.
Small vs High Value Business Loans
| Feature | Small-Value Business Loan | Regular Business Loan |
| Loan Amount | Rs. 25,000 to Rs. 5 lakh | Rs. 5 lakh to Rs. 1 crore |
| Documents Needed | Basic KYC, Bank proof | Full financials |
| Collateral | Not needed | Often needed |
| Time to Approve | 3–7 days | 7–15 days |
| Good For | Daily use, small growth | Large investment |
If you are just starting or want to keep it light, small-value loans are the smart choice.
Common Uses of Small-Value Business Loan
You can use your loan amount for many things:
- Buying raw materials or items to sell
- Paying shop rent or deposit
- Repairing or improving your shop
- Hiring one helper or staff
- Creating business cards or pamphlets
- Joining online selling platforms
- Paying off other small dues or loans
Small-Value Business Loan FAQs
Q: What If I Do not Have CIBIL?
Do not worry. We work with lenders who allow first-time borrowers or people with no credit score. Also, some allow low CIBIL loans if your income and bank statement are okay. We check everything before applying.
Q: Is this loan safe?
Yes, we only deal with RBI-registered NBFCs and trusted banks.
Q: What if I delay payment?
There will be extra charges or penalty. So, pay on time to avoid problems.
Q: Can I take loan again?
Yes, if you repay on time, you can take again. Some lenders also increase your limit.
Q: How will I get the money?
Loan will be transferred directly to your bank account.
Q: Will Grow Rupiz take any money?
No. We help you free of cost. We get paid by the bank or NBFC.
