Yes Bank Business Loan

Yes Bank business loan offers entrepreneurs up to 75 lakhs with flexible tenures of up to 7 years for working capital, expansion, or machinery purchase.

Yes Bank’s business loan comes with various loan portfolios, including term loans, healthcare finance, specialized programs like Healthcare Finance Solution and Smart Edge financing solutions.

If you are planning to avail of a business loan with an efficient and hassle-free application process, Yes Bank and its offerings can be an apt choice for you.

Read further to understand more about Yes Bank’s business loan!

Yes Bank Business Loan Highlights

Take a quick look at the key details, and the highlights of Yes Bank’s business loan interest rate and other offerings in the table below:

Yes Bank Business Loan Fees & Charges

The table below summarizes the fees & charges associated with Yes Bank business loan services:

Types of Yes Bank Business Loans

Yes Bank brings to you diverse business loans, including unsecured options for self-employed individuals. These financing solutions cover business equipment and MSME loans. This section summarizes Yes Bank’s other key financing solutions.

Yes Bank Business Equipment Loan

• Aim: It falls under the type of YES Unsecured Business Loan and is related to aid with fiances of industrial equipment, printing, and packaging segments.
• Loan Amount: Rs. 10 lakh to Rs. 8 crore (Printing and Packaging), Up to Rs. 5 crore
• Tenure: Up to 60 months
• LTV Ratio: Up to 80% of the asset cost
• Security: Equipment purchased
• Collateral: Not required

MSME Loans

Yes Bank’s MSME solutions aim for progressive business growth. It provides a dedicated trade desk, hassle-free MSME Loans, convenient transactions with YES Transact with POS solutions, along other services:

Yes Bank Smart Overdraft

• Aim: Providing working capital to MSMEs in manufacturing, trading, and self-employed professionals.
• Loan Amount: Rs. 20 lakh to Rs. 1.5 crore (without balance sheet)
• Types of Facility: Overdraft & Drop Line Overdraft
• Security: Residential/Commercial/Industrial Properties

Yes Bank Smart Edge

• Aim: Financing MSME’s working capital and other business requirements.
• Loan Amount: Rs. 1 crore to Rs. 3 crore (based on scorecard linked assessment model)
• Assessment: No mandatory balance sheet & P/L required

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Yes Bank Scorecard-based Lending

• Aim: Financing businesses in trading, manufacturing, and services based on turnover.
• Loan Amount: Up to Rs. 5 crore
• Facilities: Cash Credit, Overdraft, Term Loan, etc.
• Security: Loan against Residential/Commercial/Industrial Properties

Yes Bank Commodity Finance against Agricultural Commodities

• Aim: Customized solutions, loan products, and refinancing for agricultural commodities.
• Security: Agricultural commodities
• Features:
  • Loans up to Rs 2 crore in one day.
  • Over 60 Agri-commodities financed.
  • Funding in Electronic Negotiable Warehouse Receipts (e-NWR).

Yes GST

• Aim: Yes GST aims to provide swift financing for MSMEs based on GST Returns, with no balance sheets or bank statements.
• Loan Amount: Offering loan from 1 to 2 Crores
• Tenure and Rates: With a 5-year tenure, annual review, competitive interest rates, and minimal charges, Yes GST is an accessible financial solution for MSMEs.

Rural & Agri Loans

Yes Bank’s Rural & Agri Loans, including timely financial support for farmers’ diverse needs. From Farm Mechanization funding to Micro Enterprise Finance, they address small businesses’ working capital requirements.

Yes Bank Farm Mechanisation Loan

• Aim: Financing farmers in Rural & Semi-Urban areas for the purchase of farm equipment.
• Loan Amount: Up to Rs. 25 lakh
• Tenure: Up to 6 years
• Repayment: Flexible (Monthly/Quarterly/Half-Yearly options available)

Yes Bank Micro Enterprise Loan

• Aim: Catering to working capital and investment credit requirements for micro-enterprises.
• Loan Amount: Up to Rs. 2 crores
• Collateral: Residential, commercial, industrial property, and liquid securities.
• Tenure: Up to 10 years for Term Loans/DLOD, 12 months for OD

Yes Bank Business Loans Eligibility Criteria

Here are the eligible criteria for Yes Bank Business Loan, that entrepreneurs have to meet::

• Age: The borrower should be between 25 and 68 years old.
• Business Type: The business must operate in the service, manufacturing, or trading sector.
• Eligible Entities: Sole Proprietorships, Partnerships, Private Companies, Limited Liability Partnerships, Self-Employed Professionals, and Closed Held Companies are eligible to apply.

Documents Required for Yes Bank Business Loans

To ensure a smooth application process for Yes Bank Business Loans, prepare these essential documents to expedite your business loan application with Yes Bank.

• KYC Of Applicant and Co-Applicant.
• 2 Years Audited Financials with Annexures.
• Bank Statements for the last 6 months.

Yes Bank Business Loan Interest Rates Vs Other Lenders

Here’s a comparative analysis of Yes Bank with other major lenders like Axis Bank, Kotak Mahindra Bank, SBI, and many more:

Benefits of Yes Bank Financing

One of the major advantages of Yes Bank is its streamlined and transparent financing experience. Opting for Yes Bank business loans comes with other multiple advantages, and the key benefits include:

How to Apply for Yes Bank Business Loan

Here are the quick steps that you should follow to avail a quick loan with Yes Bank:

• Step 1: Visit the Yes Bank website.
• Step 2: Navigate to the ‘Loans’ category and select ‘Business Loans.’
• Step 3: Existing customers can click ‘Apply Now,’ while new customers can choose ‘Request a Callback.’
• Step 4: New customers will be contacted by a bank representative who will explain the terms and conditions.
• Step 5: For existing customers, clicking ‘Apply Now’ initiates the application process.
• Step 6: Fill in the required details to proceed with your business loan application.

Yes Bank Business Loan Customer Care Number

Yes Bank’s customer care center is a comprehensive solution for all your banking queries. Reach out via email to yestouch@yesbank.in for general assistance and yesfirst@yesbank.in for YES FIRST customers.

Toll-Free Number:
Dial 1800 1200 for prompt assistance, providing a toll-free avenue for customers.

Anytime, Anywhere Accessibility:
Enjoy 24×7 assistance, especially for general queries handled from 8 am to 8 pm through the contact center.

Steps to Apply for Business Loan on Buddy Loan

Get a business loan with Buddy Loan just following these few steps
Buddy loan provides you the opportunity to avail of a business loan starting at an interest rate of just 11.99% per annum.

• Step 1: Visit buddyloan.com or Download & install the Buddy Loan app (Android or iOS).
• Step 2: Open the business loan application page. Enter your mobile number and OTP.
• Step 3: Specify the desired loan amount and email. Next, choose the Business Loan option.
• Step 4: Choose if you have a Business Proof (Yes/ No)
  • If ‘Yes’ (If you have a business proof), enter your business and personal details.
    Or
  • If ‘No’ (If you do not have a business proof), choose the profession type and enter your personal details.
• Step 5: Provide income details and Click the ‘Submit’ button.