Finance that keeps your business moving.

Competitive commercial vehicle loans with quick approvals, minimal paperwork and EMIs structured around your real cash flow — arranged with India's leading banks and NBFCs.

Calculate your EMI → Talk to a finance expert

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Quick approvals

In-principle approval in as little as 24 hours.

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Competitive rates

Best-fit rates from leading banks & NBFCs.

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Minimal paperwork

We prepare and manage your documentation.

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Flexible tenure

EMIs structured around your cash flow, up to 7 years.

Plan with confidence

EMI Calculator

Adjust the loan amount, interest rate and tenure to see your monthly EMI, total interest and payment breakdown instantly.

Loan amount ₹8,00,000

₹1L₹50L

Interest rate (p.a.) 11.5%

7%20%

Tenure 48 months

1 yr7 yrs

Monthly EMI

₹20,864

Principal amount ₹8,00,000

Total interest ₹2,01,472

Total payable ₹10,01,472

Principal Interest

Apply for this loan

Indicative figures for planning only. Final EMI depends on lender, profile and applicable charges.

Simple & quick

How financing works at SMJ

Share your need

Tell us the vehicle and your budget — we suggest the best loan options.

Submit documents

We help you compile KYC, income and business proofs accurately.

Get approved

Quick in-principle approval, usually within 24 hours.

Drive away

Loan disbursed, vehicle delivered — with ongoing support.

Documents needed

Keep these ready

✓ PAN card & Aadhaar (KYC)

✓ Address proof

✓ Bank statements (6 months)

✓ Income / business proof

✓ Passport-size photographs

Good to know

Finance FAQs

With complete documents, in-principle approval is typically issued within 24 hours. Final disbursal depends on lender verification and vehicle delivery timelines.

Commercial vehicle loan rates generally range between 9% and 16% per annum depending on your credit profile, the vehicle, down payment and lender. We help you secure the most competitive option.

Most lenders finance 80–90% of the on-road price, so a down payment of 10–20% is typical. We help structure this to suit your budget.

Yes. We arrange finance for verified pre-owned commercial vehicles as well, subject to vehicle age and condition assessment.

Ready to finance your next vehicle?

Get a personalised quote and quick in-principle approval — usually within 24 hours.