Fast & Flexible Structured Business Loans

for GST-Registered Businesses only
Starting from ₹25 Lakhs — ₹10 Cr

*No Personal Loans are offered.

Rayan NxtZen - Registration Form

Is Your Business Eligible?

Before applying, make sure your business meets these simple criteria.

Apply in Four Easy Steps

We’ve simplified the entire loan journey so you can focus on your business.

Fill out an Online Application Form

Give basic details about your business such as Name, Business Name, Contact info, GST details, etc.

Upload required documents

Submit documents like Aadhar card, PAN card or more.

Get your application verified and reviewed

Our team reviews your application and shares the outcome with you.

Receive funds directly in your bank account

Approved funds are transferred directly to your business bank account.

Loan Amounts Designed According to Your Business

Designed for diverse industries, our collateral-free business loans help meet funding needs across expansion, marketing, operations, and technology upgrades.

SME Financing

Our SME loans are built for businesses that need fast, hassle-free capital without operational disruption. Designed for diverse industries, these loans help meet funding needs across expansion, marketing, operations, and technology upgrades.

Term Loan

Structured financing for long-term business needs, offering fixed loan amounts, predictable EMIs, and flexible repayment tenures. Designed to support planned investments without collateral, term loans help businesses grow steadily with clarity and control.

Working Capital Loan

Working Capital Loans help businesses manage daily operational needs such as inventory, salaries, and vendor payments. These loans ensure smooth cash flow and help businesses handle seasonal or short-term funding gaps without disruption.

Business Expansion Loan

Our Business Expansion Loans support businesses looking to scale operations, open new locations, or enter new markets. This funding helps businesses grow capacity, strengthen market presence, and pursue expansion opportunities with confidence.

Retail Business Loan

Retail Business Loans provide quick access to capital for inventory purchases, store upgrades, marketing efforts, and seasonal demand. Designed for both single-outlet and multi-store retailers, these loans help businesses maintain momentum in a fast-moving retail environment.

Machinery & Equipment Loan

Machinery and Equipment Loans support the purchase or upgrade of equipment needed to improve productivity and efficiency. These loans help manufacturing and service businesses invest in modern tools and technology to support long-term growth.

Trader / Wholesale Loan

Trader and Wholesale Loans are designed to support businesses that manage large inventory volumes and bulk purchases. These loans help traders and wholesalers maintain steady supply, and respond to market fluctuations.

Renovation / Upgrade Loan

Renovation and Upgrade Loans help businesses modernise their workspace, improve interiors, upgrade equipment, or enhance customer-facing areas. This funding supports operational improvements and brand refreshes.

FAQ's

Our approval process is quick. Once documents are submitted and verified, approval can happen within 24–72 working hours.

Interest rates depend on your business profile, cash flow, banking behavior, and loan amount. Once you apply, our team provides a personalized quote.

Absolutely. We follow strict security and data privacy protocols to ensure your information is fully protected.

Yes. We focus more on your business performance, banking activity, and GST data, not just your credit score.

No. All our loans are completely unsecured, requiring zero collateral.

Typical documents include:

  • GST certificate
  • Current account bank statements
  • Proof of business (shop act, trade license, etc.)
  • PAN & Aadhaar

Our team guides you on any additional documents needed.

Your Next Growth Phase Starts Here.

Loan approvals are subject to eligibility checks and credit assessment. Applicable terms, interest rates, and repayment structures may differ based on the financial profile of the business. All loans are strictly for business purposes. Please review the Terms and Conditions carefully before applying.