Self-employed loan · Business owners & freelancers
Personal loan for self-employed people
Self-employed people — shop owners, freelancers, professionals and small business owners — can get personal loans if they can show a steady income. Lenders usually look at bank statements and, for larger amounts, income tax returns or GST filings. On Finriseo you can compare offers from RBI-registered lenders that lend to self-employed borrowers.
Free to compare · No impact on your credit score · हिन्दी में पढ़ें
What lenders check
How long your business or practice has been running
Regular credits in your bank statement
ITR or GST returns for bigger amounts
Your CIBIL score and existing EMIs
Documents you may need
PAN card and Aadhaar card
Last 6–12 months of bank statements
ITR or GST returns (lender-dependent)
Business proof such as Udyam registration or a shop licence
How to apply on Finriseo
Enter your mobile number and verify it with an OTP
Add the amount you need, your income and PAN
Compare the offers you match
Apply to the lender you choose — they complete KYC and pay into your bank account
Frequently asked questions
Can I get a personal loan without an ITR?
For smaller amounts, some lenders rely on bank statements alone. Larger amounts usually need ITR or GST filings.
Should I take a personal loan or a business loan?
A personal loan is quicker for smaller needs. For bigger amounts tied to the business, a business loan may offer a higher limit. See our business loan page.
Is Finriseo a lender?
No. Finriseo is a loan comparison platform. The loan is given by the RBI-registered NBFC you choose; they set the rate, fees and terms. Comparing is free for you.