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SME Finance

Aditya Birla Finance Limited

Secured Business Loan

Quick loans to help your SMEs flourish

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  • Get loan disbursal in no time
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Secured Business Loan

The Small and Medium Enterprises (SME) sector in India has matured tremendously over the last few decades, providing employment opportunities to millions of people and bringing several industries to rural areas. The SME sector employs millions of Indians and functions as a subsidiary to large industries in the country. The sector also contributes to a large portion of the country's exports.

  • Business Loan Below 1 Crore

The Small and Medium Enterprises (SME) sector in India has matured tremendously over the last few decades, providing employment opportunities to millions of people and bringing several industries to rural areas. The SME sector employs millions of Indians and functions as a subsidiary to large industries in the country. The sector also contributes to a large portion of the country's exports.

  • Business Loan Above 1 Crore

The Small and Medium Enterprises (SME) sector in India has matured tremendously over the last few decades, providing employment opportunities to millions of people and bringing several industries to rural areas. The SME sector employs millions of Indians and functions as a subsidiary to large industries in the country. The sector also contributes to a large portion of the country's exports.

The Small and Medium Enterprises (SME) sector in India has matured tremendously over the last few decades, providing employment opportunities to millions of people and bringing several industries to rural areas. The SME sector employs millions of Indians and functions as a subsidiary to large industries in the country. The sector also contributes to a large portion of the country's exports.

The Small and Medium Enterprises (SME) sector in India has matured tremendously over the last few decades, providing employment opportunities to millions of people and bringing several industries to rural areas. The SME sector employs millions of Indians and functions as a subsidiary to large industries in the country. The sector also contributes to a large portion of the country's exports.

Why Aditya Birla Finance SME Loans?

Aditya Birla Finance extends business loans to entities in the SME sector to help them meet their financial requirements. Businesses in this sector require loans to meet urgent funding constraints for a gamut of operational objectives – expansion, purchasing new premises, importing equipment, hiring skilled workforce, and so on. Our SME Loans in India offer flexible repayment options at a lower rate of interest. Additionally, they are approved within a week of the company submitting its documents. Currently, we offer Working Capital Demand Loan, Term Loan, Transaction Banking Facilities with our bankers, Line of Credit and Business Loans (up to Rs 25 crores) to SMEs in India.

Aditya Birla Finance SME Loans process

  • Minimum ticket size: Rs 1 crore
  • Maximum ticket size: Rs 25 crore
  • Initial assessment: Nature of requirement, customer's repayment capability, financial valuation
  • Average turnaround time: 7 days after receiving the complete set of documents (subject to credit appraisal, which is the sole discretion of ABFL and terms and conditions as agreed under individual loan agreement).
  • Assessment methodology: We offer Parameterised Lending to ensure that funds are released in a timely manner to the customer.

Please ask us for the list of required documents at the time of inquiry.

Next steps...

Do you want complete product details? Download the brochure : Click here

If you want to apply for SME Loans, Download the application form : Click here 

Do you have questions?

Call 1800 270 7000 or write us at care.finance@adityabirlacapital.com.

​​​​​​​​​​​Are SME Loans for you ?

If you are a business owner looking to expand the scope of your current operations, gain access to higher technological input, realign your business goals to revive your enterprise, set up ancillary units in different geographical locations and increase economies of scale, SME Loans in India can prove extremely beneficial for you. This loan for business offers you the opportunity to set higher business objectives by sealing the working capital gaps your business may face.

SME Loans will help you in case your business:

  • Requires affordable credit in a short period of time
  • Payments have been delayed by larger corporations, thus putting current projects at risk
  • Does not have access to organised finance
  • Requires long-term and short-term finance

Secured Business Loan FAQ's

A secured loan is a debt wherein collateral backs the loan as a valuable asset. The lender takes ownership of the asset until the loan is repaid. If the borrower defaults on the loan, the lender can seize the collateral and sell it to recoup the loan amount.

The different types of secured loans are:


  • Home loan
  • Loan against property (LAP)
  • Loan against Insurance policies
  • Gold Loans
  • Loan against mutual funds/shares
  • Loan against Fixed deposit

The acceptable collateral for a secured loan depends upon your lender. For instance, in a mortgage scenario, your home invariably functions as the collateral. Some other types are:


Real estate properties


  • Bank accounts (savings accounts, certificates, and money market accounts)
  • Vehicles
  • Mutual fundss

In the event of a missed payment or default on your secured loan, the lender has the authority to seize the collateral you pledged. The lender can sell the item to recover the loan amount, whether it's your car, house, or personal property.

To prevent defaulting on secured debt, ensure that you choose a loan amount that you can comfortably manage. It's also crucial to make all payments on time and in full to avoid any default.

The secured business loan rates provided by financial institutions differ from one bank to another. It primarily relies on factors such as the applicant's credit score, repayment capacity, cash flow, business needs, etc.

Yes, owning properties like a home, office, shop, factory, warehouse, etc., is a prerequisite to qualifying for a secured business loan.

The minimum repayment period is 12 months, while the maximum repayment duration can extend up to 15 years.

Proprietorship, Partnership, Public, and Private Limited Companies.
A loan is generally disbursed within 7-10 working days after the submission of complete and correct documents.
ABFL provides both short term and long term loans based on the business requirement of the client. This may range from 3 months to 12 years.
You can pay the processing fee through cheques/NEFT/RTGS facility.
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What do we offer?

  • Unsecured Business Loan

This is a unique business loan offering that is provided without security. It helps companies in a competitive environment through loans for business expansion, machinery purchase, or even starting a new business.

  • Working Capital Demand Loan

Having working capital to run a business may not be always possible. Explore the option of our Working Capital Demand Loan to meet your SME’s financial needs.

  • Supply Chain Financing Solutions – Invoice Discounting

This enables you to convert your receivables into cash, improves liquidity, and enables continuous cash flow. This solution provides finance by discounting the sales bills of your vendors or your purchase bills. 

  • Line of Credit

An arrangement between ABFL and the borrower to establish a maximum loan balance that they are permitted to access or maintain. Customers may draw upon the available line of credit within its limit. 

This is a unique business loan offering that is provided without security. It helps companies in a competitive environment through loans for business expansion, machinery purchase, or even starting a new business.

Having working capital to run a business may not be always possible. Explore the option of our Working Capital Demand Loan to meet your SME’s financial needs.

This enables you to convert your receivables into cash, improves liquidity, and enables continuous cash flow. This solution provides finance by discounting the sales bills of your vendors or your purchase bills. 

An arrangement between ABFL and the borrower to establish a maximum loan balance that they are permitted to access or maintain. Customers may draw upon the available line of credit within its limit.