SME LOANS
SME Loans
Every business needs fuel to grow — Unity Bank’s SME Loan offering is designed to deliver just that. Whether you’re scaling operations, managing working capital, or planning a capital expense, we provide structured, secured loan solutions to help you move forward with confidence.
Flexible business credit, built for momentum
We understand what growing businesses need
Access to timely credit, minimal documentation, repayment flexibility — we’ve built our loan solutions around the core needs of SMEs in India. If your business is registered, profitable, and ready to scale, we’ll work with you to unlock the right capital for your goals.
Tailored SME Loan Products
Working Capital Loan
- Loan Amount: ₹5 Crores+
- Ideal for: Managing day-to-day operations
- Structure: Revolving credit facility
- Basis of Sanction: Financial health and business need
Term Loan
- Loan Amount: ₹5 Crores+
- Ideal for: Business expansion or capital expenditure
- Structure: Fixed tenure with structured EMI
- Basis of Sanction: Financials and future projections
Key Features
Flexible repayment options
Choose a loan tenure that works for your business,
up to 36 months
Loan amounts starting
from ₹5 Cr
Designed for ambitious and growth-ready SMEs
Speed + structure
Robust underwriting, transparent documentation,
quick decisions
Who can apply?
Unity Bank’s SME Loans are available to businesses that meet the following:
- Registered as a Private Limited or Public Limited company
- Based and operational in India
- Owned by promoters aged 24 years and above
- Minimum 3 years of profitable operations
- Registered as an SME under UDYAM or relevant authority
Documentation Checklist
- KYC Documents – PAN, Aadhaar, GST Certificate
- Business Proof – UDYAM Certificate, Trade License, Partnership Deed (if applicable)
- Financials – Last 3 years' ITRs, audited Balance Sheet & Profit & Loss statements
- Bank Statements – Last 6 months
- Property Documents – Required for loans secured via LAP
How is Unity Bank Corporate Net Banking Beneficial for Your Business?
| Change Type | Details |
|---|---|
| Processing Fee | Up to 3.00% of the sanctioned loan amount |
| Penal Charges – Overdue | 2.00% p.a. on the overdue amount for the default period |
| Penal Charges – Other | 2.00% p.a. on the entire loan outstanding for non-compliance |
| Legal & Documentation | Case-to-case basis |
| 4th Sep | Refund of Electronics Purchase |
| Stamp Duty | As per actuals, payable by customer |
