Business Loan (Banking Transaction Based)
Flexible Business Loans Designed Around Your Cash Flow
Accessing timely funding is critical for business growth — but traditional loan processes often rely heavily on complex paperwork, financial statements, and long approval cycles. At Purple Finance, we simplify this process by offering Business Loans based on your banking transactions, allowing your actual cash flow to speak for your business performance.
This solution is ideal for businesses with consistent bank transactions looking for fast, structured, and eligibility-based funding to support expansion, working capital, or operational needs.
This solution is ideal for businesses with consistent bank transactions looking for fast, structured, and eligibility-based funding to support expansion, working capital, or operational needs.
What Is a Banking Transaction – Based Business Loan?
A banking transaction–based business loan evaluates your eligibility primarily on the strength, consistency, and volume of your bank account transactions, rather than only on audited financials or balance sheets.
If your business demonstrates healthy inflows and outflows through its bank statements, you may qualify for higher loan amounts with quicker approvals and fewer procedural delays.
At Purple Finance, we work closely with leading Banks and NBFCs to structure loans that reflect your real business activity—not just theoretical numbers.
Who Is Eligible?
This loan product is suitable for a wide range of business profiles, including:
- Businesses with minimum ₹15,00,000 monthly banking turnover
- Proprietorships, Partnerships, LLPs, and Private Limited Companies
- Traders, Manufacturers, Wholesalers, and Retailers
- Service Providers and Professionals
- Established businesses with regular banking activity
Eligibility is assessed based on bank statements, credit profile, and lender-specific criteria.
Key Benefits of Banking Transaction–Based Business Loans
Faster Eligibility Assessment
Since eligibility is determined using bank statements, approvals are significantly quicker compared to traditional business loans.
Minimal Documentation
Reduced dependency on audited financials or extensive paperwork, subject to lender policies.
Competitive Interest Rates
We compare offers across multiple Banks & NBFCs to secure the most suitable interest rates for your profile.
Structured Loan Amounts
Loan amounts are aligned with your actual business cash flow, ensuring responsible borrowing.
Flexible Usage
Funds can be used for a wide range of business requirements without restrictive end-use conditions (subject to lender terms).
How Can You Use the Funds?
A business loan based on banking transactions can be utilised for:
- Working capital management
- Business expansion or scaling operations
- Purchase of inventory or raw materials
- Equipment or machinery upgrades
- Managing seasonal cash flow gaps
- Marketing and operational expenses
This flexibility allows business owners to focus on growth without financial strain.
Why Choose Purple Finance?
Choosing the right financial partner is just as important as choosing the right loan. At Purple Finance, we bring a consultative approach to business funding.
Our Strengths
- 10+ years of financial services experience
- 500+ businesses supported across Tamil Nadu
- Associated with leading Banks & NBFCs
- Eligibility-based, transparent processing
- Personalised guidance from application to disbursement
We do not believe in one-size-fits-all solutions. Every business is evaluated individually to ensure the loan structure aligns with cash flow, repayment capacity, and long-term stability.
Our Process: Simple & Transparent
Share your business details and banking information with our expert team.
We analyse your bank statements and credit profile to determine suitable loan options.
Based on your profile, we identify the best offers from Banks or NBFCs.
We assist with documentation and coordinate with lenders for quick approvals.
Once approved, funds are disbursed directly to your account as per lender timelines.
Important Notes
- Loan approval is subject to eligibility, credit assessment, and lender policies.
- Interest rates, tenure, and loan amount vary based on profile and institution.
- Terms & conditions apply as per Bank / NBFC guidelines.
Ready to Fund Your Business Growth?
If your business shows consistent banking activity and you’re looking for a faster, smarter way to secure funding, Purple Finance is here to help.
