Key Features:

GST returns as assessment: Lenders use GST returns to gauge the business's financial health and compliance. 
Quick approval: The use of GST returns can expedite the loan application process. 
Working capital and other purposes: These loans are used for various business needs, including inventory, operations, and expansion. 
Often unsecured: Many GST business loans are unsecured, meaning no collateral is required. 

Benefits:

Easy Access to Funding: GST business loans are often based on a business's GST returns, which can streamline the loan application process. 
Financial Flexibility: GST loans can be used for various business purposes, such as working capital, inventory management, equipment purchase, or expansion. 
Cash Flow Management: GST loans can help businesses manage cash flow by providing quick access to funds to cover GST payments or other immediate needs.
Potential Tax Benefits: The interest on business loans, including GST loans, may be tax-deductible.