Top List of 120+ Term Loan Providers. Get an instant Term Loan with low interest rate, Also apply for Short term loan, Long term loan, personal loan, and more. Find the best Term Loan service providers near your location. as on Sep 20, 2025

SWOT Finance Consultancy

Navrangpura, Ahmedabad, 380009

5.0/5 Based on 5 Reviews

+918069831455

Loans Construction Loans Structural Adjustment Loans

Response Time: More than 60 MinsSulekha score: 8.2

SWOT Finance Consultancy, located in Navrangpura, Ahmedabad, offers comprehensive financial consultancy services, including business loans, personal loans, and financial planning solutions. The consultancy is well-regarded for its client-focused approach, providing tailored financial strategies to meet individual and business needs. They are known for their expertise in navigating complex financial landscapes, helping clients secure the best financial products available in the market. With a strong commitment to customer satisfaction, SWOT Finance Consultancy has earned positive reviews for its reliability and professionalism. The firm operates with a deep understanding of local market conditions, ensuring that clients receive relevant and effective advice.

Available Loan Types:

Offering 14 different types of loans

Loan Amount Range:

From ₹10 Lakhs to ₹1 Crore and above
Depending on the type of loan

Rushali Shah from Ahmedabad

"They helped me out with my education loan, which was quickly processed and i got the best intrest rate as well."

Dr. Rachna Patel from Ahmedabad

"I have taken education loan for my son. Hazel free process with SWOT Finance Consultancy. Thanks to Mr Vijay Shah. "

Chat

Enquire Now

BlissBarter

Bavdhan, Pune, 444709

+918069831441

Loans

Response Time: Within 15 MinsSulekha score: 8.5

At BlissBarter, we go beyond loan lending offering smart investment guidance and property consultation to help you grow, secure, and achieve your financial dreams. Here's to new beginnings, trusted partnerships, and building financial bliss together "Your financial bliss starts from here. Loans | Property | Investments Trusted advisors in Loans, Real Estate & Investments. Grow your wealth the right way. Book a consultation today."

Chat

Enquire Now

R C ENTERPRISES

Malad East, Mumbai, 400097

5.0/5 Based on 14 Reviews

+919883027670

Loans

Response Time: Within 60 MinsSulekha score: 7.7

R.C. Enterprises, located in Malad East, Mumbai, is a trusted business specializing in home improvement and repair services. They offer a wide range of services, including pest control, plumbing, and home cleaning solutions. The business has been operational for several years and is known for providing prompt, reliable, and cost-effective services. Customers appreciate their professionalism and the seamless process of booking services through platforms like Sulekha, which connects users with trusted local service providers. The team at R.C. Enterprises strives to meet the diverse needs of households, ensuring customer satisfaction every time.

Available Loan Types:

Offering 10 different types of loans

Loan Amount Range:

From ₹1 Lakhs to ₹55 Lakhs and above
Depending on the type of loan

Guest from Mumbai

"On time approval with maximum disbursement. Thank you Sir, always recommendated"

Chat

Enquire Now

Ride Delight Services

Whitefield, Bangalore, 560066

5.0/5 Based on 16 Reviews

+917569005912

Loans

Response Time: Within 30 Mins Sulekha score: 7.1

Ride Delight Services Private Limited, based in Whitefield, Bangalore, is a reliable service provider specializing in home loans, business loans, and property-related financial services. Established in 2021, the company operates under the Companies Act as a private limited company. It is led by directors Selvaraj Gokila and Dharmalingam Rajesh. The company is known for its quick response time and customer-centric approach, offering services tailored to meet the financial needs of individuals and businesses. With an authorized and paid-up capital of Rs. 100,000, Ride Delight Services focuses on providing hassle-free financial solutions, making it a trusted choice for clients in Bangalore?

Available Loan Types:

Offering 5+ different types of loans

Loan Amount Range:

From ₹5 Lakhs to ₹50 Lakhs and above
Depending on the type of loan

Rohith from Bangalore

"i hav lot of cibil issue i tried so many bank's rejected but mr rajesh and team get it done my loan within week thank u soooooo much"

Kiran from Bangalore

"Very good service I have lot issues I get loan within week thank u"

Chat

Enquire Now

Prime Growth Finance Services

Mira Road, Mumbai, 401107

+918048102267

Loans

Response Time: Within 15 MinsSulekha score: 5.9

Welcome to Kailash Sitaram Pradhan! We are a trusted and reliable business that has been providing loans since 2015. Our services include mortgage loans, loan against property, loan against property without map, loans against rent receivables, loans on Lal Dora property, plots, commercial buildings, residential buildings, and industrial buildings. We cater to all loan amounts, ranging from less than 10 lakhs to more than 50 lakhs. Our team consists of experienced and dedicated professionals who strive to provide the best financial solutions to our customers. We are located in Mira Road and our working hours are flexible to accommodate our clients' needs. Trust Kailash Sitaram Pradhan for all your loan needs!

Chat

Enquire Now

Sharath

Indiranagar, Bangalore, 560008

+918035427918

Loans

Response Time: Within 15 MinsSulekha score: 5.5

Welcome to Sharath - a leading provider of loans in Indira Nagar. With our years of experience and dedicated team of experts, we offer a wide range of loan services including business loans, loan against cash credit, and loan against overdraft. Our flexible terms and competitive interest rates make us the go-to choice for businesses of all sizes. Whether you need a loan of less than 10 lakhs or more than 1 crore, we have got you covered. Our commitment to customer satisfaction and transparent processes have made us a trusted name in the industry. Visit us today to explore your options and take your business to new heights.

Chat

Enquire Now

Failed Cibli Consulting Private Limited

Chitlapakkam, Chennai, 600064

+918035424089

Loans Construction Loans Loan against Mutual Funds

+3 more

Response Time: Within 15 MinsSulekha score: 6

Are you struggling with a low CIBIL score? Facing challenges in getting a loan approved? At Failed Cibli, we specialize in credit repair, financial consulting, and loan services. With over 10 years of expertise and 1,00,000+ satisfied clients, we have successfully helped individuals and businesses improve their credit scores and secure loans hassle-free.

Chat

Enquire Now

Amit Aggarwal

Kamla Nagar, Delhi, 110007

+919021110319

Loans

Response Time: Within 15 MinsSulekha score: 6.6

Chat

Enquire Now

Baig Associates

Banjara Hills, Hyderabad, 500034

4.9/5 Based on 87 Reviews

+918069867989

Loans

Response Time: Within 60 MinsSulekha score: 8.8

Baig Associates, located in Banjara Hills, Hyderabad, specializes in offering a wide range of loan services to meet diverse financial needs. Established in 2016, this firm has built a reputation for reliability and customer satisfaction, catering to both individual and commercial clients. Their services include vehicle loans, home loans, mortgage loans, and loans against property, among others. The firm prides itself on its dedicated team of professionals who work tirelessly to find the best loan solutions for their clients. Operating with a high response rate and strong customer feedback, Baig Associates ensures that financial goals are within reach for all their customers.

Available Loan Types:

Offering 10+ different types of loans

Loan Amount Range:

From ₹10 Lakhs to ₹50 Lakhs and above
Depending on the type of loan

MMS Steels Power Private Ltd from Hyderabad

"Excellent Service, Highly Affordable Service, Extremely Professional Behavior, Most Trusted Company, Service on-Time Excellent service sir I'm really sooo happy to have your mind blowing service's thank God to have your contact number thank you sooo much sir "

Chat

Enquire Now

Pratima Credit Services

Kadru, Ranchi, 834002

+919021108540

Loans

Response Time: Within 15 MinsSulekha score: 6.9

Established in 2021, Pratima Credit Services has quickly become one of the leading financial services consultants in Jharkhand State. Our firm is dedicated to providing comprehensive assistance and support to potential customers, enabling them to avail various financial services from Banks, NBFCs, and Insurance Companies. At Pratima Credit Services, we go beyond merely offering loans. We provide holistic financial planning and easy loan assistance anytime, anywhere. Our strong affiliationsdirectly or through Corporate DSAswith more than 50 leading banks and NBFCs, including Union Bank, BoB, Axis Bank, HDFC Bank, Tata Capital, Bajaj Finance, and Lendingkart, ensure that our customers have access to a wide range of financial products. We also offer mutual fund investment services, partnering with all leading mutual fund companies such as HDFCMF, ICICIMF, SBIMF, and ABSLMF etc. Our AMFI registration code for mutual fund distribution is ARN-187795. In addition, we are affiliated with ICICI Lombard General Insurance Company, providing a variety of general insurance services. For life insurance, we have teamed up with Indias leading life insurance provider, LIC of India, ensuring that our clients receive the best coverage and support. At Pratima Credit Services, we are committed to being your reliable partner in financial growth and security. Whether you need assistance with loans, investments, or insurance, our dedicated team is here to help you every step of the way. For more information, please visit our website or contact us

Chat

Enquire Now

Why Choose Sulekha?

Sulekha is your go-to platform for finding a wide variety of loan providers catering to diverse financial needs such as personal loans, term loans, home loans, vehicle loans, car loans, education loans, and more. With Sulekha, you gain access to a comprehensive network of reputable lenders, ensuring you find the perfect match for your specific requirements. The platform simplifies your search process, saving you time and effort by connecting you with trusted professionals who can offer tailored loan solutions. Choose Sulekha for a seamless and efficient loan-seeking experience.

1. When to Consider Taking Out a Term Loan?

Business Expansion: Opening new locations or upgrading facilities often requires significant capital. A term loan can provide the necessary funds to support these growth initiatives, allowing you to spread out the costs over time.
Large Capital Expenditures: When purchasing expensive equipment or real estate, a term loan can be beneficial. This allows businesses to invest in assets that enhance productivity and profitability without depleting cash reserves.
Refinancing Existing Debt: Consolidating multiple high-interest debts into a single term loan with a lower interest rate can reduce overall interest payments and simplify financial management, making it easier to focus on business operations.
Stable Revenue Stream: If your business has a predictable revenue stream, managing the monthly payments of a term loan can be feasible. This stability ensures that loan repayments can be made without disrupting other financial commitments.
Specific Funding Needs: For working capital, marketing campaigns, or product development, a term loan can provide the required funds. This targeted use of the loan can drive future revenue growth and operational efficiency.
Building Credit History: For new businesses, taking out a term loan and making timely payments can help establish and build a strong credit history. This can improve future borrowing terms and overall financial credibility.
Emergencies and Unexpected Opportunities: Term loans can offer quick access to funds during emergencies or when lucrative business opportunities arise. This flexibility allows you to address urgent needs or capitalize on time-sensitive opportunities.

2. Eligibility Criteria for Taking a Term Loan?

Age of the Applicant: Individuals should typically be between 21 to 65 years old at the time of loan maturity. For businesses, lenders generally require the business to have been operational for at least 2-3 years.
Credit Score: A good credit score is crucial, with most lenders preferring a score of 650 or above. A higher credit score can increase the chances of loan approval and may result in more favorable terms and interest rates.
Income and Employment Stability: Individuals must provide proof of steady income through salary slips, income tax returns, and bank statements. Businesses need to show financial statements, tax returns, and consistent revenue over the past few years to demonstrate financial stability.
Business Financial Health (for business loans): Lenders look for profitable businesses with positive cash flow to ensure loan repayment ability. Detailed financial records and a clear picture of future earnings potential are essential for approval.
Collateral: Term loans are often secured, requiring collateral such as property, equipment, or other valuable assets. The value and type of collateral can significantly impact the loan amount and terms offered by the lender.
Loan Purpose: Clear documentation and explanation of the loan purpose, whether for business expansion, equipment purchase, or working capital, is essential. This helps lenders understand how the loan will be used and its expected benefits.
Existing Debt: Lenders assess existing debt obligations to ensure the applicant can manage additional loan repayments without financial strain. A manageable level of existing debt improves the chances of loan approval.
Business Plan (for business loans): A detailed business plan outlining the loan purpose, expected benefits, and repayment strategy is crucial. This plan helps lenders understand how the loan will contribute to business growth and profitability.
Legal and Regulatory Compliance: The business should comply with all relevant laws and regulations, and proper licensing and permits should be in place. Compliance ensures that the business operates within legal boundaries, reducing risks for lenders.
Relationship with the Lender: Existing relationships with the lender, such as maintaining business accounts or previous loans, can be beneficial. A good repayment history with the lender can positively influence the loan approval process and terms.

3. What are the Benefits and Advantages of a Term Loan?

Predictable Repayment Schedule: Term loans come with fixed monthly payments, making it easier for borrowers to budget and manage cash flow. They have a specific end date, providing clarity on when the debt will be fully paid off.
Fixed Interest Rates: Many term loans have fixed interest rates, ensuring that the cost of borrowing remains constant throughout the loan term. This stability protects borrowers from fluctuations in interest rates.
Larger Loan Amounts: Term loans often provide larger sums of money compared to other types of loans, making them suitable for significant investments such as business expansions, equipment purchases, or real estate acquisitions.
Flexibility in Usage: Borrowers can use term loan funds for various purposes, including working capital, purchasing assets, refinancing other debts, or funding specific projects.
Builds Credit History: Successfully repaying a term loan can help improve the borrower's credit score, enhancing their ability to secure future financing on favorable terms.
Interest Tax Deduction: For businesses, the interest paid on term loans is often tax-deductible, reducing the overall cost of borrowing.
Longer Repayment Periods: Term loans can have extended repayment periods, sometimes up to 10-30 years for real estate loans, making the payments more manageable.
Structured Repayment Plans: Many term loans are amortized, meaning each payment covers both interest and principal, gradually reducing the loan balance over time.
Potential for Lower Interest Rates: If the term loan is secured by collateral (such as property or equipment), borrowers may benefit from lower interest rates compared to unsecured loans.
Enhanced Business Growth: Term loans provide the necessary capital for businesses to invest in growth opportunities such as expanding operations, entering new markets, or developing new products.

4. Important Factors to Consider When Taking a Term Loan?

Interest Rate: Determine whether the interest rate is fixed or variable, as this affects your monthly payments and total interest cost. Look at the Annual Percentage Rate (APR), which includes the interest rate plus any fees or other costs, providing a more accurate picture of the loan's overall cost.
Loan Amount: Ensure the loan amount meets your financial needs without being excessive, as borrowing more than necessary can lead to higher interest payments. It's crucial to find a balance that covers your needs but remains manageable.
Repayment Term: Consider whether a short-term or long-term repayment period is better for your financial situation. Shorter terms generally have higher monthly payments but lower total interest costs, while longer terms have lower monthly payments but higher overall interest.
Monthly Payment: Ensure the monthly payment is affordable within your budget. Use a loan calculator to understand how different terms and interest rates impact your payments, helping you to choose a loan that fits your financial plan.
Fees and Charges: Be aware of any origination fees, prepayment penalties, and late fees associated with the loan. These can significantly impact the overall cost and flexibility of the loan.
Credit Score Requirements: Your credit score affects your eligibility and the interest rate offered. Ensure your credit score meets the lender's requirements to qualify for favorable terms, and work on improving it if necessary.
Collateral: Determine if the loan is secured or unsecured. Secured loans require collateral, which can be seized if you default, while unsecured loans do not require collateral but typically have higher interest rates.
Lender's Reputation: Research the lender’s reputation, customer service, and reviews. A reputable lender will offer transparent terms and good customer support, ensuring a smoother loan process.
Loan Purpose: Clearly define the purpose of the loan and ensure it aligns with your financial goals. Different loans may have specific terms based on their intended use, such as business expansion or home renovation.
Economic Conditions: Consider current and future economic conditions that may affect your ability to repay the loan. Economic downturns can impact your income and employment, affecting your repayment capacity.
Documentation and Eligibility: Understand the required documentation and ensure you meet all eligibility criteria, such as proof of income and employment history, to avoid delays or rejections.
Legal and Regulatory Aspects: Be aware of any legal or regulatory requirements related to the loan, especially if borrowing from a foreign or online lender, to ensure compliance and avoid potential legal issues.

5. Term Loan Interest Rates?

Bank Name	Term Loan Interest Rate (per annum)	Loan Amount	Tenure Range
State Bank of India	7.50% - 10.25%	Up to ₹2 crore	1 - 15 years
HDFC Bank	8.25% - 11.50%	Up to ₹10 crore	1 - 15 years
ICICI Bank	8.35% - 11.75%	Up to ₹5 crore	1 - 10 years
Axis Bank	8.40% - 11.90%	Up to ₹5 crore	1 - 10 years
Punjab National Bank	7.75% - 10.50%	Up to ₹1 crore	1 - 10 years
Bank of Baroda	7.60% - 10.40%	Up to ₹2 crore	1 - 12 years
Canara Bank	7.85% - 11.20%	Up to ₹2 crore	1 - 12 years
Kotak Mahindra Bank	8.50% - 12.00%	Up to ₹10 crore	1 - 15 years
Union Bank of India	7.70% - 10.75%	Up to ₹1 crore	1 - 10 years
IDFC First Bank	8.75% - 12.50%	Up to ₹5 crore	1 - 10 years

Please note: Interest rates and fees can vary based on the loan amount, tenure, credit profile of the borrower, and specific bank policies. It is advisable to check with the respective bank for the most accurate and updated information.

Was this article is helpful?

Most Common Questions About Term Loans

1. Who are the best Term Loan providers?

SWOT Finance Consultancy
BlissBarter
R C ENTERPRISES
Ride Delight Services
Prime Growth Finance Services

2. What documents are required for a Term loan?

You will typically need identification proof (like a PAN card or passport), address proof (such as a utility bill or Aadhaar card), income proof (like salary slips or IT returns), bank statements, and any collateral documents if required.

3. What are the eligibility criteria for a Term loan?

Eligibility criteria generally include a minimum age (usually 21 years), stable income, a good credit score, and fulfilling the lender's specific employment or business requirements. Collateral may be required for secured term loans.

4. How do I apply for a Term loan online?

To apply online, you can apply online with the Sulekha form above with your loan requirements, and connect with the best loan providers that suit your needs. Visit the lender's website, fill out the application form with personal and financial details, upload the required documents, and submit the form. You'll receive a response from the lender after they review your application.

5. How can I get an instant Term loan?

Instant term loans can be obtained from lenders offering quick disbursement services. Ensure you meet their eligibility criteria, have all required documents ready, and apply online through their quick approval process.

6. What is the percentage rate for Term loans?

The interest rate for term loans varies depending on the lender, borrower’s credit profile, loan amount, and tenure. Rates typically range from 8% to 18% per annum but can differ based on individual circumstances and market conditions.

7. Can I get a Term loan with a low CIBIL score?

It is possible, but challenging, to get a term loan with a low CIBIL score. Lenders may charge higher interest rates or require collateral. Improving your credit score beforehand can increase your chances of approval.

8. What is the processing fee for a Term loan?

Processing fees for term loans vary by lender and are generally between 1% to 2% of the loan amount. Some lenders may also have a minimum fee regardless of the loan size.

9. Can I get a Term loan with a bad credit score?

Obtaining a term loan with a bad credit score is difficult but possible. You may need to provide collateral or a co-signer, and expect higher interest rates. Some specialized lenders cater to high-risk borrowers.

Tips & Solutions for Applying Loan View All Blogs

Home Buying Trends 2021 by Jenson

For most people, the primary purpose of buying real estate as an investment is to make a profit. However, there can be...

Important Things That NRIs Should Know About Home Loan In India by Pavithra S

If you are an NRI who wish to buy a residential property in India using a home loan, then it is essential for you to be aware...

Home Loan Agreement- Important clauses to know! by Pavithra S

Buying a house is still considered a big achievement in a person’s life as it entails several processes before one could heave...

How To Avoid Rejection Of Your Personal Loan Application Devi Bhuvanesh

Are you in urgent need of money for personal reasons? To meet the immediate financial requirement, one can apply for a personal loan...

Read all Blogs

4.3

Based on 636 Reviews

Akash Gupta Banjara Hills

20 Aug, 2025

I was thoroughly impressed with your deep knowledge of the commercial lending market. You successfully identified the ideal loan product for our specific needs, resulting in very favorable terms. Your strategic advice was invaluable and we are extremely pleased with the outcome.

Krish Gandhi Delhi

19 Jun, 2025

He has provided me the loan without itr and gst from private financer even my cibil score is bad I love it

Universal Traders Chikkadpally

18 Oct, 2023

vijayalakshmi cheated me she took 20000 from me promosing me loan of 8 lakhs , she switched off her mobile , already filed a complaint with cyber crime cell , please dont trust her she is a fraud

Santosh yadav Goregaon

14 Jun, 2023

Mera loan kahi se ho nahi Raha tha , because of low credit score,but Mr Deepak and omkar sir help me start to end ,mera 14 lakh ka business loan, thanks dhansuvidha finance

Vivek Vargaonkar Goregaon

04 Jun, 2023

Fake company. Fraud workers . I applied for 20 lakh business loan . My Case was taken by Deepak salaskar . He charged me 2950 rs as Processing fees for loan . Deepak told me that this amount is refundable. Within 6 days after payment of 2950 my file got rejected and Deepak denied to refund my 2950 saying that it's non refundable amount . Now he is not picking my calls also . So better safeguard your precious money from these fraudsters.

Anup prajapati Goregaon

06 Apr, 2023

My experience with dhansuvidha has been way too good. Extremely professional and helpful staff. They guide you accordingly. I am thankful to Mr. Deepak sSpecifically as he did guide me right from the start to finish (disbursement ). Even post disbursement , he keeps in touch and guides in case we have any queries and even constantly reminds of the monthly emi just so that we are ready for the emi/debit.

kishan Goregaon

29 Mar, 2023

Dhan Suvida Finance is very good company special kiran madam and soni madam help me yeh logo ko jab bhi phone karu hamesha response milta hai mujhe help karne ke liye thanku

Harsha Ameerpet

13 Mar, 2023

This is Harsha, I have taken services from True Money Financial Solutions And Services. Sravan guided me in every prospects and helped me to get my Home Loan. So i request every one to connect with True Money Financial Solutions And Services for any kind of Home loans, Business loans, Mortgage loans etc.

Top Term Loan Providers

What type of business loan do you need?

Find the Top Term Loan Providers from Sulekha

Top List of 120+ Term Loan Providers. Get an instant Term Loan with low interest rate, Also apply for Short term loan, Long term loan, personal loan, and more. Find the best Term Loan service providers near your location. as on Sep 20, 2025

SWOT Finance Consultancy

BlissBarter

R C ENTERPRISES

Ride Delight Services

Prime Growth Finance Services

Sharath

Failed Cibli Consulting Private Limited

Amit Aggarwal

Baig Associates

Pratima Credit Services

Latest User Reviews for Term Loan Providers

Why Choose Sulekha?

1. When to Consider Taking Out a Term Loan?

2. Eligibility Criteria for Taking a Term Loan?

3. What are the Benefits and Advantages of a Term Loan?

4. Important Factors to Consider When Taking a Term Loan?

5. Term Loan Interest Rates?

Most Common Questions About Term Loans

1. Who are the best Term Loan providers?

2. What documents are required for a Term loan?

3. What are the eligibility criteria for a Term loan?

4. How do I apply for a Term loan online?

5. How can I get an instant Term loan?

6. What is the percentage rate for Term loans?

7. Can I get a Term loan with a low CIBIL score?

8. What is the processing fee for a Term loan?

9. Can I get a Term loan with a bad credit score?

Tips & Solutions for Applying Loan View All Blogs

Home Buying Trends 2021

Important Things That NRIs Should Know About Home Loan In India

Home Loan Agreement- Important clauses to know!

How To Avoid Rejection Of Your Personal Loan Application