Grow Your Business

Fuel Your Business Growth with Flexible Financing

Get business loans up to $500,000 with competitive rates starting from 9.5% p.a. Quick approval, flexible repayment, and dedicated business banking support for your entrepreneurial journey.

Funding Calculator Check Eligibility
Business Loan

Why Choose hth Business Loans?

Specialized services designed to support your business growth and financial needs.

Fast Fund Disbursement

Funds disbursed within 48-72 hours post-approval

Competitive Interest Rates

Rates from 9.5% p.a. with flexible repayment options

No Collateral Needed

Up to ¥100,000 unsecured for established businesses

Flexible Repayments

Daily, weekly, or monthly repayment choices

Financing Solutions for Every Business Size

Tailored financing solutions for businesses of all sizes

Startups & Micro Businesses

Ideal for new ventures and small businesses

  • Loans: ¥10k - ¥100k
  • Interest: 11%-15% p.a.
  • Collateral: None Required

Small & Medium Enterprises

Suitable for growing, established businesses

  • Loans: ¥100k - ¥500k
  • Interest: 9.5%-12% p.a.
  • Collateral: Partial Required

Large Enterprises

For established companies and larger enterprises

  • Loans: ¥500k - ¥5M
  • Interest: 8.5%-10% p.a.
  • Collateral Options

Business Funding Calculator

Calculate how much funding your business can get

50,000 500,000 5,000,000
10,000 100,000 500,000

Your Funding Options

Maximum Eligible Funding

$0
Based on business profile
Monthly EMI $0
Processing Fee $0
Total Interest $0
Total Repayment $0

Eligibility based on 25% of annual revenue, business age, and type. Collateral may be required for higher amounts.

Types of Business Loans

Choose the financing solution that fits your business needs

Annual Rate from 9.5%

Working Capital Loans

Fund daily operations, manage cash flow gaps, and cover short-term expenses.

  • Up to 100k Loan
  • Fast Funding
  • Flexible Repayments
Annual Rate from 10.5%

Equipment Financing

Purchase or lease machinery, vehicles, and other business equipment.

  • Secure financing for up to 90% of your equipment needs.
  • Equipment as collateral
  • Potential tax benefits
Rates from 11.5% p.a.

Startup Loans

Launch or expand your startup with dedicated financing options.

  • Up to 50k Loan
  • Business plan required
  • Startup Support
Rates from 10.0% p.a.

Inventory Financing

Procure inventory, raw materials, or merchandise.

  • Seasonal financing
  • Inventory as collateral
  • Fast Processing
Rates from 9.8% p.a.

Accounts Receivable Financing

Improve cash flow by advancing on outstanding invoices.

  • Get financing for up to 90% of your invoice value.
  • Customers with good credit
  • Flexible Terms
Annual Rate from 9.5%

Commercial Real Estate Financing

Purchase, construct, or renovate commercial property.

  • Up to 1 Million
  • Longer terms available
  • Property as collateral

Business Loan Eligibility

Minimum Business Age

6 Months*

*Unsecured loans are 3 years
Minimum Annual Revenue

¥50,000 Annual Revenue

Schedule

650+

Profitability

Past 2 Years

Eligibility by Business Type:
  • Sole Proprietorships
  • Partnerships
  • Private Limited Companies
  • Limited & Public Companies

Startups with a solid business plan and founder investment may also qualify for loans.

Required Documents

  • Business Registration Certificate
  • GST Registration Certificate
  • MOA & AOA (for companies)
  • Trade License/Shops Act Registration

  • Audited Financials (last 2-3 years)
  • ITR of Business & Partners (last 2-3 years)
  • Bank Statements (last 6-12 months)
  • Projected Financial Statements

  • PAN Card of Business & Partners
  • Address Proof of Business Premises
  • KYC Documents of Promoters/Partners
  • Photographs of Promoters/Partners

Business Loan Interest Rates

Preferential rates determined by business profile and loan type

Sport Categories Interest Rate Range Service Fee Loan Amount Loan Term
Working Capital Loans Annual Interest: 9.5% - 12.5% 1% - 2% 10,000 - 500,000 6 - 36 Months
Equipment Financing Annual Interest: 10.5% - 13.5% 1.5% - 2% Up to 90% of equipment cost covered. 12 - 60 Months
Startup Loans Annual Interest: 11.5% - 15% 2% - 3% 5,000 - 50,000 12 - 36 Months
Inventory Financing Annual Interest: 10% - 13% 1% - 1.5% Up to 80% of inventory value 3 - 12 Months
Discover more about 华体会 with hth. Annual Interest: 9.8% - 12.8% 1% - 1.5% Up to 90% of invoice value funded. 30 - 180 Days
Commercial Property Loans Annual Rate 9.5% - 11.5% 1% - 2% 50,000 - 1,000,000 5 - 20 Years

Interest rates are determined by your business credit score, financial health, collateral, and relationship with hth. Existing clients and financially sound businesses may qualify for lower rates.

Apply for Business Loan

Fuel your business growth with our flexible financing solutions

Our business banking specialist will contact you within 24 hours to discuss your funding needs

Business Loan FAQs

Frequently Asked Questions about Business Financing

For complete applications with all documents, we typically approve business loans within 3-5 working days. Working capital loans can be approved within 48 hours for eligible businesses. Disbursement happens within 24-48 hours after approval and documentation completion.

It depends on the loan amount and business profile. For loans up to $100,000, established businesses with good financials may qualify for unsecured loans. For higher amounts or startups, collateral (property, equipment, inventory, or guarantees) is typically required. We also offer collateral-free loans under government schemes for eligible businesses.

Yes, we have specialized startup business loans. Startups need a strong business plan, promoter investment of at least 20-25%, and sometimes collateral or personal guarantees. We also consider factors like founder experience, market potential, and innovation. We offer mentorship along with financing for promising startups.

We prefer a credit score of 650 or above for business loans. However, we consider businesses with scores between 600-650 on a case-by-case basis, especially if they have strong business financials, collateral, or are in specific industries. For startups, we focus more on the business plan and promoter profile.

Yes, business loan interest is tax-deductible as a business expense under Section 37(1) of the Income Tax Act. The entire interest paid during the year can be deducted from your business income. Additionally, if the loan is used for business expansion, certain deductions may apply. We recommend consulting with your tax advisor for specific benefits.

Yes, we allow prepayment of business loans. For floating rate loans, you can prepay after 6 months with a nominal charge of 1-2% on the outstanding amount. No prepayment charges apply after 12 months. For fixed rate loans, prepayment charges of 2-3% may apply if prepaid within the first 2-3 years.

Ready to Grow Your Business?

Our commercial banking experts are ready to help you find the perfect financing solution for your business.

Call Us: (555) 987-6543 Contact Support