Both exist. Unsecured business loans price higher; secured or scheme-backed loans (e.g. CGTMSE up to the scheme limit) can lower the rate or waive collateral. The right choice depends on ticket size and how fast you need funds.
Every row is date-stamped. We re-verify rates against each lender’s published schedule and RBI filings on a monthly cycle; the “Verified” date shows the last check. Where a rate could not be re-verified from the source it is shown as “as of” its last sighting, not presented as confirmed.
No. Viewing rates is not a credit enquiry and has no score impact. A hard enquiry happens only when you formally apply to a lender.