What is a good credit score to secure a commercial loan in india?

A good credit score to secure a commercial loan in India is generally 750 or above. Lenders see a score in this range as a sign of strong financial discipline and reliable repayment behaviour.

• With a score of 750 or higher, you are more likely to be approved for commercial loans with favourable terms like lower starting interest rates along with higher loan amounts. This score signals to lenders that you have a proven track record of managing credit responsibly making you a low-risk borrower.
• Personal credit history can also play a role especially if you are a sole proprietor or a small business owner.
• Lenders check both your personal and business credit profiles.
• Business revenue, stability, and cash flow are also important.
• Higher scores can mean lower interest rates and larger loan amounts.
• Strong credit helps you negotiate better terms and faster approvals.
• Maintaining a high credit score, along with healthy business finances, will improve your eligibility for commercial loans and other credit products in India.