Getting a Business Loan with Low or No Paperwork. PNC offers small businesses an unsecured business loan with no collateral required.A Loan amount up to 50k may be possible without a Pan Card but for any financial transaction, a Pan card is a mandatory requirement. Regards,. You may also be able to get business financing without a personal guarantee for a secured loan since the collateral helps protect the lender. If you do not have an NMLS account, you must first complete the Company Account Request Form. An individual over eighteen years of age can open a bank account online, sometimes termed as a "Small Account," even without a PAN card. Identity Proof: You must give identification documents such as an Aadhar card, a PAN number, a voter's identity card, and so on. When applying for a personal loan, you must provide personal and financial information, including proof of identity, income and address.