Fast Capital for Your Growing Business
Collateral-free business loans up to ₹50 Lakhs, disbursed in as little as 72 hours, subject to eligibility and approval.
- ₹50 Lakhs Max
- 72-Hr Disbursal
- Minimal Documentation
- Flexible Tenure
About Indifi
Running a business means dealing with cash flow gaps, uneven demand, and moments when growth depends entirely on having capital available. Indifi Technologies is a technology-driven lending platform headquartered in Gurugram that connects Indian small businesses with a network of 15+ lending partners, including its own RBI-registered NBFC. The platform has facilitated over 1,60,000 loans in 400+ cities across India, serving MSMEs in manufacturing, trade, and services.
Our Business Loan Products
Not all growing businesses need the same kind of financing. Indifi's lending partners offer four products to match different working needs.
Working Capital Loan
Keep operations running through slow periods or demand surges. Borrow up to ₹50 Lakhs to cover salaries, supplier payments, and everyday expenses, subject to eligibility.
Term Loan
A fixed repayment loan for planned investments such as machinery, store fit-outs, and office expansion. Repay in structured EMIs over a defined tenure.
Merchant Cash Advance
Get an advance on future card or digital payment receipts. Repayment adjusts automatically with your sales volume, suited to retail and food businesses.
Unsecured Business Loan
No collateral, no property documents. Borrow up to ₹50 Lakhs based on your business financials and credit profile, subject to lender assessment.
Calculate Your Business Loan EMI
Monthly EMI
Rs. 8,815
Principal Amount
Rs. 1,00,000
Total Interest Payable
Rs. 5,778
Total Payment
Rs. 1,05,778
Eligibility & Documents for a Business Loan
Eligibility Criteria
- Minimum operational history of 1 year
- Promoter age 22 and above
Documents Required
| KYC Documents | Of the entity & promoters |
|---|---|
| Bank Statement | Last 6 months |
| ITR | Required for annual turnover above ₹5 Crores |
Business Loans for Every Industry
India's MSMEs operate across diverse sectors, each with unique funding needs and cash-flow cycles. Indifi's lending platform connects businesses with lending partners offering collateral-free financing tailored to different industries.
Retail and E-commerce
Retailers, online sellers, kirana stores, consumer goods businesses, electronics dealers, stationery shops, and jewellery retailers often require funds to purchase inventory, manage returns, and prepare for seasonal demand. Through Indifi's lending partners, eligible businesses can access working capital to maintain stock levels and support expansion plans.
Manufacturing
Manufacturers across garments, food processing, machinery, auto components, furniture, metals, ceramics, textiles, healthcare supplies, and industrial products frequently need capital for raw materials, equipment upgrades, and production scaling. Indifi's platform helps connect such businesses with lenders that understand manufacturing cash cycles and working capital requirements.
Trading Businesses
Wholesalers, distributors, importers, exporters, hardware dealers, timber traders, pharmaceutical traders, and businesses dealing in industrial components often face extended receivable periods while needing to maintain inventory. Indifi enables these businesses to access financing solutions that help bridge working capital gaps and support business growth.
Service Businesses
Service-led enterprises such as travel agencies, logistics providers, restaurants, advertising agencies, event management firms, IT companies, staffing agencies, architects, contractors, and interior designers may require funds to manage payroll, operational expenses, project execution, or seasonal fluctuations. Through Indifi's lending partners, eligible businesses can secure financing to maintain smooth operations and pursue new opportunities.
Food and Hospitality
Restaurants, cafés, bakeries, food delivery outlets, dairy businesses, and food manufacturers often experience demand fluctuations during festive periods, events, or expansion phases. Indifi's lending ecosystem can help these businesses access funds for inventory procurement, equipment purchases, renovations, and capacity enhancement.
Construction and Infrastructure
Construction contractors, engineering firms, building material suppliers, and businesses dealing in sanitary ware, metals, and electrical equipment frequently have capital tied up in ongoing projects. Indifi's lending partners can help such businesses manage supplier payments, labour costs, and project-related working capital requirements.
Technology and Electronics
Businesses engaged in software services, technology hardware, computer systems, storage solutions, and electronics distribution often need funding to support procurement, talent acquisition, and project delivery. Indifi's platform connects eligible businesses with lenders offering solutions aligned with the technology sector's needs.
Indifi supports businesses across multiple industries and business models, helping MSMEs access financing solutions that align with their operational requirements and growth ambitions, subject to lender eligibility criteria.
What Our Customers Say
Get upto INR 1 Crores in under 24 hours
We know every segment is different so we focus on understanding each one to make loans better
Quick & Simple
Minimum documentation. No collaterals
Multiple Lenders
One application. Multiple lenders. Increased chances of loan approval
Best Fit
Specific loan products. For specific business needs
Flexible & Transparent
Choice of loan tenure & repayment modes. No hidden charges
What Our Borrowers Say
"Overall, mera experience Indifi ke saath kaafi accha aur satisfying raha. Process smooth, quick aur hassle-free tha. Team supportive aur professional thi, jisne poora kaam easy aur transparent banaya. Main Indifi ki service se impressed hoon aur definitely recommend karungi."
Pooja D
"Overall experience bahut acha raha aur journey bhi smooth thi. Har step par proper support mila, jis se pura process easy ho gaya."
Lucky Malik
"Mera overall experience kaafi positive raha aur journey bahut achhi thi. Process well-managed tha aur support bhi timely mila."
Geeta Gushain
INDIFI HELPS BUSINESSES THRIVE
Loans Disbursed
Cities Served
Active Partners
Industries Served
Enabling Loans through our Financing Partners
Serving customers through our Industry Partners
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FAQs
Indifi Technologies is a technology-driven lending platform based in Gurugram. It connects Indian small businesses with a network of lending partners, including an RBI-registered NBFC, to access business loans online. Indifi does not lend directly.
Indifi's lending partners offer working capital loans, term loans, lines of credit, invoice discounting, merchant cash advances, and unsecured business loans. Each product suits different business needs, subject to eligibility and lender assessment.
Disbursal can happen in as little as 48 hours from application completion, subject to eligibility criteria, document verification, and lender approval. Actual timelines may vary based on the lender and the business profile provided.
Most loans facilitated through Indifi's platform are collateral-free and are based on your business financials, cash flow, and credit profile. Lender requirements may vary by product and loan amount, subject to individual lender assessment.
Interest rates are set by the lending partner and start from 1.5% per month, subject to the lender's assessment of your business profile, vintage, turnover, and credit score. Rates are indicative and vary by lender.
Businesses with at least 12 months of operations, a GST registration, and a minimum annual turnover may be eligible. Eligibility is assessed by Indifi's lending partners and is subject to lender criteria and credit evaluation.
Visit indifi.com, enter your business details, complete KYC, and upload the required documents. Lending partners review your application and make an offer. The entire process is online and does not require a branch visit.
If you have other queries, check our FAQ section
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