Business Loans in Kerala & for NRIs — Up to ₹10 Crores (2026)

Business Loans in Kerala — 2026 Overview

Blueberry FM facilitates business loans for Kerala entrepreneurs and NRIs through a network of 15+ banks and NBFCs. Whether you need working capital, equipment finance, or a term loan for expansion, we match you with the right lender at competitive rates.

Business Loan Types Available

• Term Loans: ₹5 Lakhs – ₹10 Crores | 3–10 years
• Working Capital Loans: Cash credit, overdraft, invoice financing
• MSME Loans: CGTMSE collateral-free up to ₹5 Crores
• Equipment Loans: Up to 80–90% of equipment value
• Startup Loans: MUDRA, PMEGP, Stand-Up India
• NRI Business Loans: For returning NRIs and Gulf-based investors

Interest Rates (2026)

• PSU Banks: 8.5% – 12% p.a.
• Private Banks: 10% – 15% p.a.
• NBFCs: 14% – 20% p.a.
• CGTMSE/MUDRA: 8.5% – 12% p.a.

Eligibility

• Business operational for 1–2 years (new businesses via CGTMSE/MUDRA)
• Valid business registration and GST
• CIBIL score 650+ preferred
• Positive cash flow and ITR filing

Documents Required

• Business registration documents
• Last 2 years ITR with financials
• Last 6–12 months bank statements
• GST registration and returns
• KYC — PAN, Aadhaar (passport for NRIs)

Register Your Business First

All business loans require a registered entity. Choose the right structure:

• Private Limited Company — best for large loans and investor funding
• LLP Registration — for professional partnerships
• Sole Proprietorship — for MUDRA and small business loans
• Partnership Firm — for traditional partnerships

Explore All Loan Types