FT Cash Business Loan

FT Cash is a Financial Services Company that offers different retail business loans that suit is ideal for the different needs of the retailers. Their different business loan for the retail store includes MSME loan, SME loan, term loan, working capital loan, Flexi loan, and capital loan.

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FT Cash Business Loan

  • Interest Rate

    Up to 18%

  • Loan Amount

    ₹1L - ₹50L

  • EMI Per Lakh


  • Processing Fees

    Up to 2%
  • Pre-Payment Charges


Features & Benefits of FT Cash Business loan

The FT Cash business loan online application may be given for expanding the business or for the various working capital needs like paying salaries, purchasing machines etc. Here are key features of FT Cash Business loans:

  • Purpose of your loan- the borrower can avail the FT Cash business loan for expanding or modernising their business, to purchase assets and to set up new units.
  • This business loan is available for both the self-employed professionals and non-professionals.
  • You must be within the age of 21 to 65 to avail this type of business loan.
  • Security- Unsecured and secured both.
  • The loan tenure can range from 1 to 36 years.
  • The FT Cash business loan interest rate can be within the range of 18% to 24%.
  • The EMI of the FT Cash business loan starts from Rs 3615.
  • The processing fee of the loan amount is 2%.

The Benefits of taking Business Loan from FT Cash are as follows:

  • FT Cash offers special business loans for the retailers.
  • It enables easy, simple loan application and documentation and quick loan disbursal facility when you submit the documents required for FT Cash business loan in order.
  • No collateral security is required.
  • Automated daily and weekly payment facility is available.

FT Cash Business Loan Overview

FT Cash is a Financial Services Company that offers different retail business loans that suit is ideal for the different needs of the retailers. Their different business loan for the retail store includes MSME loan, SME loan, term loan, working capital loan, Flexi loan, and capital loan.

FT Cash Business Loan Fees and charges

Aside from interest rates, company loans are subject to a number of additional variables, including:

Foreclosure charges- If you wish to pay off your full loan before the end of the term, you'll have to pay these fees. After paying one EMI, FT Cash allows you to prepay your loan with prepayment fees. - NIL foreclosure charges

Processing fee- A processing charge of 2% of the loan amount plus relevant service tax is requested by FT Cash.

FT Cash Business Loan Interest Rates

FT Cash is known to provide attractive interest rate for business loans. Its secured and unsecured loans have different rate of interests. Check out the table below to learn about the interest rate provided by this financial institute and also its eligibility.

Secured loan 1.5%-2% per month
Unsecured loan 1.12%-1.41% per month
Interest Rate  18.00%
Processing Fee 2% of Loan Amount
Tenure  From 1 month to 36 months
Lowest EMI per lakh Rs 3,615
Loan amount Min Rs 50,000 and Max 1 crore
Part payment facility Not allowed
Foreclosure facility Allowed after one EMI without any foreclosure charges
Eligibility  Self-employed professionals and non-professionals  Age group- 21 to 65 years

Factors affecting FT Cash Business loan interest rates

There are several factors that can help to determine if you are eligible for applying for a business loan from FT Cash and these are as follows:

Loan amount- the business loan rate of interest is determined by the amount of the loan that you are applying for. Higher loan amount will result in a lower rate of interest and lower EMIs. This bank gives a loan of minimum of Rs 50,000 and a maximum of Rs 1 crore. 

CIBIL Score- FT Cash will offer you the business loan at a higher rate of interest if your CIBIL score is below 300 or a loan defaulter. Hence, if you want to apply for a business loan at FT Cash, make sure that the CIBIL score is at least 700 or above. Higher CIBIL score will result in faster loan approval and lower interest rate. 

Revenue- FT Cash will also enable you to apply for a business loan at their bank if you have a higher monthly revenue and it gives loans to those whose annual turnover is at least Rs 6,00,000.

Time in business- This bank also offers loans at a lower interest rate if you have a great knowledge and experience in your business. Your business must be in existence for a minimum of 12 months in order to apply for the loan.

Documents Required for FT Cash Business loan

If you want to apply for the FT Cash business loan, you must submit all these documents as FT Cash business loan requirements:

Address proof of the individual: Aadhaar Card, voter ID, Bank statement, registry copy, utility bills, rent agreement. 

Identity proof of individual: Driving license, Passport, PAN card, Aadhaar card, Voter ID card.

Business existence proof: PAN, Sales tax/ VAT/excise/service tax registration, trade license, copy of partnership deed, certificate of practice, registration certificated issued by RBI, SEBI.

Copy of income TAX PAN for 24 months

Bank statement of last 6 months

How the EMI calculation works for FT Cash Business loans?

The Equated Monthly Instalment Equator Calculator assists in calculating the monthly instalment amount. The FT Cash Business Loan EMI Calculator makes calculating monthly EMIs simple and quick. To obtain the results, we must enter information such as the loan amount, rate of interest, and duration into the calculator. This online calculator estimates your loan eligibility, loan amount, and the best interest rate offer available to you. It determines if a company loan is eligible based on a variety of parameters. To assess the loan amount eligibility of its borrowers, these elements include age, loan amount, loan tenure, and income, among others.

How FT Cash compares with other lenders?

Interest Rate 19.00% - 0.00% 11.90% - 21.35% 11.20% - 16.30%
Processing Fee 2.00% Rs. 499 2.00% to 3.00%
Loan Amount Rs. 1 Lakh to Rs. 9 Lakh Rs. 50,000 to Rs. 50 Lakh Rs. 5 Lakh to Rs. 100 Crore
Loan Tenure 12 to 48 Months 12 to 48 Months 12 to 48 Months
Lowest EMI Per Lakh Rs. 2,990 Rs. 2,628 Rs. 2,594

FT Cash Business Loan Customer Care Number

You can get in touch with the executive of FT Cash using the following the numbers:
  • Mumbai

Address: 3rd Floor, Times Square, C Tower, Opp Mittal Industries, Marol, Mumbai - 400059

+91 983 349 6939
  • Ahmedabad

Address: A - 306, Sumel 7, Near Soni Ki Chawl, Rakhiyal Road, Ahmedabad - 380023

+91 983 349 6939
  • Hyderabad

Address: House No - 1-11-251/11, Technals Co working space, Begumpet, Hyderabad- 500016

+91 983 349 6939
  • Pune

Address: 301, TRIOS Coworking Private Limited, Lalwani Icon, Viman Nagar, Pune 411014

+91 983 349 6939


From refinancing to reducing your interest, we have the answers right here.

What is the minimum turnover requirement for a Business Loan?

A profit for at least two years, as well as a minimum corporate turnover of Rs 6,00,000, are necessary for FT Cash.

Who Can Take a Business Loan?

This type of business loan is available to both self-employed professionals and non-professionals, and you must be between the ages of 21 and 65 to qualify.

What are the benefits FT Cash Provides on business loan?

FT Cash is one of the largest NBFCs sector banks in the country that provides lowest business loans starting at 18%. The bank also charges a low processing fee starting from 2% of loan amount. Along with that, the bank also offers special business loan schemes. 

Does FT Cash have a fixed rate of interest on a business loan?

FT Cash offers business loans at attractive rates ranging from 18% go 24%. The bank also provides various customised offers for self employed professionals to get loan at a very low rate of interest.

Does FT Cash Checks for CIBIL Score for business loan?

Yes, FT Cash checks the CIBIL Score of its borrowers before granting the loan. Higher the CIBIL Score, better will be the chance of getting the loan approved.

What is the maximum and minimum business loan amount I can get from FT Cash?

You are eligible to get a minimum of Rs 50,000 to a maximum of Rs 1 Crore business loan amount from the FT Cash bank. It also depends on the income and repayment capacity.

What are the KYC documents I will have to submit to apply for a business loan from FT Cash?

To Apply for FT Cash business loan, you need to provide at least one Officially Valid Document (Voter ID / Aadhaar / Passport / Driving license/) and PAN.

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