Tools/Business Loan Eligibility Calculator
Business Loan Eligibility Calculator
Estimate how much funding your business qualifies for - based on revenue, vintage, and existing obligations.
Business Profile
Indicative Eligibility
Up to ₹1.75 Cr
Boost your eligibility
GST + banking data
Clean filings and healthy banking can raise your eligible amount significantly
125+ lenders. Termsheet in 48h. Zero equity dilution.
How lenders decide your eligibility
Lenders look at four things: revenue (scale and consistency, verified via GST), vintage (years in business), obligations (existing EMIs relative to cash flow), and banking health (average balances, bounces). A common rule of thumb: eligibility of 25-40% of annual revenue for unsecured loans.
Different lenders weigh these differently - which is why one bank's 'no' means little. On Recur Club, one application reaches 125+ lenders, so you see your true eligibility across the market in 48 hours.
Explore Recur SwiftWhat is a business loan eligibility calculator?
A business loan eligibility calculator estimates how much funding your business can qualify for before you approach any lender. It applies the same core logic lenders use - revenue multiples adjusted for vintage and existing obligations - to give you a realistic starting number.
Checking eligibility here involves no credit bureau hit and no paperwork, so you can calibrate expectations and plan your raise before making a formal application.
How to use this eligibility calculator
- 1
Enter your annual revenue - lenders verify this against GST filings and bank statements.
- 2
Set your years in business. Most lenders prefer 2+ years of vintage.
- 3
Add your existing monthly EMI obligations, if any.
- 4
Read your indicative eligibility range instantly.
- 5
Unlock exact terms to see real offers - one application reaches 125+ lenders on Recur Club.
Factors that decide your actual eligibility
Revenue quality
Consistent, GST-verified, growing revenue supports higher multiples than lumpy or declining revenue.
Existing obligations
Lenders cap total EMIs relative to monthly cash flow - heavy existing debt reduces headroom.
Banking behaviour
Healthy average balances and zero cheque bounces materially expand what lenders offer.
Business vintage
Longer operating history de-risks the loan - 3+ years typically unlocks better amounts and rates.