Our Services
Lark Trading offers a diverse portfolio of financial products designed to empower individuals, entrepreneurs, and businesses with the capital they need to grow and succeed.
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Quick, collateral-free loans for salaried and self-employed individuals to meet personal needs—medical emergencies, education, travel, home renovation, or any urgent requirement.
Benefits
- Fast disbursal within 48 hours
- No collateral required
- Flexible repayment tenure (12–60 months)
- Competitive interest rates
Eligibility
- Indian resident aged 21–60 years
- Salaried or self-employed with stable income
- Bank statement required last 6 month.
- Last 3 years ITR required with balance sheet for self employed.
- Minimum monthly income of ₹20,000 inhand
- Minimum Cibil Score Required More than 650+
Required Documents
- PAN card & Aadhar card
- Income proof (salary slips or ITR)
- Bank statements (last 6 months)
- Passport-sized photo
Repayment options
NACH- NACH (Mandatory)
As part of the loan sanction process, setting up a NACH (National Automated Clearing House) mandate is mandatory. This ensures that all EMIs or scheduled payments are automatically deducted from your bank account, providing a secure, timely, and hassle-free repayment method.
⚡ Note: This mandate is set up at the time of loan approval and cannot be altered online.
Payment Gateway
Our Payment Gateway allows you to make payments quickly and securely using multiple options such as debit cards, UPI, and net banking. It offers a seamless and convenient experience, enabling you to complete your transactions safely from anywhere, at any time.
Bank Transfer
You can also make payments directly by transferring funds to our bank account via NEFT, RTGS, or IMPS. This method is simple and ideal for one-time payments.
⚡ Note: After completing the payment, kindly share a screenshot along with the UTR number with us at compliance@larktrading.in for confirmation.
Account Name- LARK TRADING AND FINANCE LIMITED
Account Number- 071805005465
IFSC- ICIC0000718
Branch Name ICICI Bank Ltd.
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Customized financial solutions for small to medium businesses to support working capital, expansion, equipment purchase, or cash flow needs.
Benefits
- Loan amount up to ₹50 lakhs
- Flexible repayment options
- No collateral for selected loans
- Quick processing
Eligibility
- Business operational for at least 1 year
- Valid business registration and GST
- Owner aged between 21–65 years
Required Documents
- Business registration documents
- GST & PAN
- ITR for last 2 years
- Bank statements (12 months)
Repayment options
NACH- NACH (Mandatory)
As part of the loan sanction process, setting up a NACH (National Automated Clearing House) mandate is mandatory. This ensures that all EMIs or scheduled payments are automatically deducted from your bank account, providing a secure, timely, and hassle-free repayment method.
⚡ Note: This mandate is set up at the time of loan approval and cannot be altered online.
Payment Gateway
Our Payment Gateway allows you to make payments quickly and securely using multiple options such as debit cards, UPI, and net banking. It offers a seamless and convenient experience, enabling you to complete your transactions safely from anywhere, at any time.
Bank Transfer
You can also make payments directly by transferring funds to our bank account via NEFT, RTGS, or IMPS. This method is simple and ideal for one-time payments.
⚡ Note: After completing the payment, kindly share a screenshot along with the UTR number with us at compliance@larktrading.in for confirmation.
Account Name- LARK TRADING AND FINANCE LIMITED
Account Number- 071805005465
IFSC- ICIC0000718
Branch Name ICICI Bank Ltd.
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Lark Trading’s Supply Chain Finance solutions are designed to optimize cash flow across your supply chain by providing working capital support to suppliers and distributors. Whether you’re a buyer or a vendor, our financing ensures smoother operations, better liquidity, and strengthened relationships.
Benefits
- Faster payments to suppliers
- Improved cash flow for buyers and vendors
- Lower interest due to low risk
- Digital onboarding and disbursal
Eligibility
- Registered businesses with active supply chain operations
- Existing relationship with anchor company (buyer/supplier)
- Minimum 1 year of business operations
Required Documents
- Business registration certificate
- PAN, GST, and KYC of company
- Agreement or purchase order from anchor company
- Bank statements (last 6 months)
Repayment options
NACH- NACH (Mandatory)
As part of the loan sanction process, setting up a NACH (National Automated Clearing House) mandate is mandatory. This ensures that all EMIs or scheduled payments are automatically deducted from your bank account, providing a secure, timely, and hassle-free repayment method.
⚡ Note: This mandate is set up at the time of loan approval and cannot be altered online.
Payment Gateway
Our Payment Gateway allows you to make payments quickly and securely using multiple options such as debit cards, UPI, and net banking. It offers a seamless and convenient experience, enabling you to complete your transactions safely from anywhere, at any time.
Bank Transfer
You can also make payments directly by transferring funds to our bank account via NEFT, RTGS, or IMPS. This method is simple and ideal for one-time payments.
⚡ Note: After completing the payment, kindly share a screenshot along with the UTR number with us at compliance@larktrading.in for confirmation.
Account Name- LARK TRADING AND FINANCE LIMITED
Account Number- 071805005465
IFSC- ICIC0000718
Branch Name ICICI Bank Ltd.
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Instant and hassle-free loans for salaried individuals to manage personal expenses—be it medical emergencies, home needs, education, or travel. Perfect for those looking for quick funding with flexible EMIs.
Benefits
- Loan amounts from ₹50,000 to ₹10 lakhs
- No collateral needed
- Simple documentation & fast approval
- Flexible EMI plans up to 60 months
Eligibility
- Indian citizens aged 21–58
- Salaried individuals employed for at least 6 months
- Minimum net monthly income ₹15,000–₹20,000 (based on location)
Required Documents
- PAN card, Aadhar card
- Salary slips (last 3 months)
- Bank statement (last 6 months)
- Employment proof / ID card
Repayment options
NACH- NACH (Mandatory)
As part of the loan sanction process, setting up a NACH (National Automated Clearing House) mandate is mandatory. This ensures that all EMIs or scheduled payments are automatically deducted from your bank account, providing a secure, timely, and hassle-free repayment method.
⚡ Note: This mandate is set up at the time of loan approval and cannot be altered online.
Payment Gateway
Our Payment Gateway allows you to make payments quickly and securely using multiple options such as debit cards, UPI, and net banking. It offers a seamless and convenient experience, enabling you to complete your transactions safely from anywhere, at any time.
Bank Transfer
You can also make payments directly by transferring funds to our bank account via NEFT, RTGS, or IMPS. This method is simple and ideal for one-time payments.
⚡ Note: After completing the payment, kindly share a screenshot along with the UTR number with us at compliance@larktrading.in for confirmation.
Account Name- LARK TRADING AND FINANCE LIMITED
Account Number- 071805005465
IFSC- ICIC0000718
Branch Name ICICI Bank Ltd.
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Affordable loans to help you own your dream vehicle—whether it's a two-wheeler, car, or commercial vehicle.
Benefits
- Up to 90% of vehicle cost financed
- Quick disbursal & minimal paperwork
- Flexible EMI options
- Attractive interest rates
Eligibility
- Salaried, self-employed, or business owners
- Stable income with repayment capacity
- Age 21–65
Required Documents
- Identity & address proof
- Income proof
- Quotation/proforma invoice from dealer
Repayment options
NACH- NACH (Mandatory)
As part of the loan sanction process, setting up a NACH (National Automated Clearing House) mandate is mandatory. This ensures that all EMIs or scheduled payments are automatically deducted from your bank account, providing a secure, timely, and hassle-free repayment method.
⚡ Note: This mandate is set up at the time of loan approval and cannot be altered online.
Payment Gateway
Our Payment Gateway allows you to make payments quickly and securely using multiple options such as debit cards, UPI, and net banking. It offers a seamless and convenient experience, enabling you to complete your transactions safely from anywhere, at any time.
Bank Transfer
You can also make payments directly by transferring funds to our bank account via NEFT, RTGS, or IMPS. This method is simple and ideal for one-time payments.
⚡ Note: After completing the payment, kindly share a screenshot along with the UTR number with us at compliance@larktrading.in for confirmation.
Account Name- LARK TRADING AND FINANCE LIMITED
Account Number- 071805005465
IFSC- ICIC0000718
Branch Name ICICI Bank Ltd.
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Supporting India’s backbone—the MSME sector—with easy and accessible financing options. Our MSME loans help small and medium enterprises grow, manage working capital, purchase inventory, or invest in expansion.
Benefits
- Loan amounts from ₹1 lakh to ₹50 lakhs
- Flexible tenure up to 5 years
- No collateral required for selected loans
- Priority processing for registered MSMEs
Eligibility
- Micro, Small & Medium Enterprises (Udyam registered or similar)
- Minimum 1 year of business operations
- Stable income & banking history (based on location)
Required Documents
- Udyam registration certificate (or other business proof)
- GST, PAN, and KYC documents
- ITRs for past 1–2 years
- Bank statements (last 6–12 months)
Repayment options
NACH- NACH (Mandatory)
As part of the loan sanction process, setting up a NACH (National Automated Clearing House) mandate is mandatory. This ensures that all EMIs or scheduled payments are automatically deducted from your bank account, providing a secure, timely, and hassle-free repayment method.
⚡ Note: This mandate is set up at the time of loan approval and cannot be altered online.
Payment Gateway
Our Payment Gateway allows you to make payments quickly and securely using multiple options such as debit cards, UPI, and net banking. It offers a seamless and convenient experience, enabling you to complete your transactions safely from anywhere, at any time.
Bank Transfer
You can also make payments directly by transferring funds to our bank account via NEFT, RTGS, or IMPS. This method is simple and ideal for one-time payments.
⚡ Note: After completing the payment, kindly share a screenshot along with the UTR number with us at compliance@larktrading.in for confirmation.
Account Name- LARK TRADING AND FINANCE LIMITED
Account Number- 071805005465
IFSC- ICIC0000718
Branch Name ICICI Bank Ltd.
Frequently Asked Questions
Lark Trading offers various financial products, including:
- Personal Loans
- Business Loans
- MSME Loans
- Vehicle Loans
- Microfinance
- Supply Chain Finance
Each product is designed to meet specific financial needs with flexible terms.
Required documents vary by loan type but generally include:
- KYC documents (PAN, Aadhaar)
- Income proof (Salary slips, ITRs)
- Bank statements (last 6 months)
- Business proof (for business/MSME loans)
- Property documents (for secured loans)
You will find a detailed list under each loan section on our website.
- For most personal or salaried loans:
- You must be an Indian resident aged 21 to 60
- Minimum monthly income of ₹20,000 inhand
- At least 6 months of employment history
- A stable credit score improves approval chances
- Our eligibility check tool can help you pre-qualify online.
We offer both:
- Unsecured Loans: Personal loans, business loans (up to a limit), and salaried loans that don’t require collateral.
- Secured Loans: Loan Against Property, vehicle loans, and select MSME loans that require security.
Our team will guide you on the best option based on your profile.
Loan disbursal time depends on the loan type and document verification:
- Instant Loans: Personal and salaried loans may be disbursed within 24–48 hours
- Business/MSME Loans: Typically disbursed within 3–5 working days after documentation
- Secured Loans: May take 5–7 working days depending on valuation and legal checks
Absolutely! If your business is Udyam-registered or meets MSME criteria (based on turnover and investment), you're eligible for MSME loans. Supply Chain Finance is ideal if you are part of a supply ecosystem (vendor/distributor) with purchase orders or receivables from a recognized buyer.
Yes, most loans from Lark Trading can be prepaid or foreclosed. However, some loans may have a minimal foreclosure charge, depending on the product and tenure. Our loan agreement will clearly mention all such terms before disbursal.
Loan Calculator
Plan your finances effortlessly with a personal loan EMi calculator. This tool helps you estimate your monthly payments by inputting details like the loan amount, tenure, and interest rate. The EMI calculator makes it easy to budget, letting you adjust figures to find a suitable repayment plan. Use our personal loan calculator to make informed financial decisions and manage your loan repayments
Your EMI Details
Loan EMI
₹5247
Total Interest Payable
₹52470
Total Payment