Our Loans Are Designed For One Thing Your Business Needs

Term Loans

Lumpsum capital to expand and grow

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Credit limit to manage cash flows

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Capital from Invoices unlocked to be reused in your business

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Easy to manage loans based on POS machine swipes

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Why Indifi

Get upto INR 50 lacs 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

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Akshay Sachdeva

Owner – Klass Communication

“Taking your offline business to online platforms has become critical. But finding the funds for it isn't that easy. Luckily, Indifi saw the potential in the industry and backed us to do it.”

About Business Loan

What Is Business Loan

Are you a chartered accountant or self-employed businessman who aspires to start a new business or expand the existing one? Now you can easily attain your business objectives with the help of customized loans for business offered by Indifi. Indifi ensures that the right loan is available at the right time. Loan for business can help a company scale new heights by using the funds for manpower management, working capital management,opening a new outlet, marketing, renovation, faster turnaround time, and advanced machinery.

As a business owner, there may be times when you feel the need for quick and easy access to funds to optimize the growth of your business. The requirement may vary from expanding current operations and buying new inventory or machinery to taking up another large project or even starting a new business. Regardless of what the requirement may be, having a quick and hassle-free access to funds is an obstacle in most such cases! Indeed, there are a lot of traditional lending institutions offering loans to businesses. However, when it comes to small businesses, the scenario tends to get a little difficult. This is because traditional lenders mostly offer loans to businesses on the basis of collaterals which most of the small businesses are unable to furnish. As a result, there is a certain need-gap for the availability of credit to these small businesses hindering their growth and expansion.

Get Instant Business Loan Online With Indifi

Indifi addresses this need-gap with its innovative online lending platform that facilitates tailor-made small business loans without security to cater to the financial requirements of small businesses.

Over 10,000 customers trust Indifi for quick and hassle-free business loans customized to their requirements, with minimal documentation and eligibility criteria.

The process of applying for a loan with Indifi is really simple and transparent. A business owner just needs to fill his basic business and KYC details, and Indifi uses its advanced algorithms to procure relevant data from other sources, draw insights, and judge the creditworthiness of the business along with its current and past performances.

Moreover, small businesses can also avail quick and simple loans from Indifi based on their business transactions. For example, a small restaurant can get an instant restaurant loan for its business basis its transactions with food aggregator and delivery apps. The restaurant just needs to fill a simple online application form with Indifi and Indifi evaluates the application further, basis the restaurant’s financial transactions with different food delivery apps.

With Indifi, small businesses can optimize their growth avenues by availing an instant loan of up to INR 50 Lacs as quickly as within 48-72 hours. Indifi offers various types of loans for businesses including term loans, credit lines, short term loans, invoice discounting, and merchant cash advance, among several other unique and customized loans for business products.

Apply now to get an instant loan based on your business’ current and previous transactions through a quick and simple application process provided by Indifi, enabling you to enjoy better business growth trajectories! Let’s have a look at some of the salient features of business loans that we provide:

Features & Benefits Of Business Loan

  • Collateral Free

  • Indifi offers collateral-free loan for business to its customers. In other words, there is no need for any sort of guarantee, pledge, or investment to avail this loan.

  • Swift Disbursal

  • Indifi follows a swift and hassle-free loan disbursal process. You can get a business loan within 48 to 72 hours for an amount up to INR 50 Lacs.

  • Flexible Repayment Terms

  • Indifi gives flexibility to its borrower of choosing between weekly or monthly payment cycles. Please note that there are no hidden charges in this process.

  • Tailored To Your Business Requirements

  • A businessman might need funds for several reasons like procurement, development, and so on. Indifi facilitates tailor-made loans that are customized as per the business requirements of the applicant.

  • Low-Interest Rates

  • Indifi rolls-out loan for business at low interest rate, starting from 1.5% per month. However, the borrower also needs to pay upto 2% processing fee.

Why Do MSME Need Business Loan?

Indifi is one of the leading online lending platforms in India. Here are some simple reasons which will help you make the decision faster:

  • Improved Cash Flow

  • Live up to your goals and aspirations by increasing business cash flow.

  • Business expansion

  • MSME Loan helps to expand your business, hire more employees and renovate your office building.

  • Loan for new machinery/equipment

  • Experiment with and purchase new equipment based on your project requirements. Loans for MSMEs are helpful to establish your new machinery and plants as well.

  • Access to new technology

  • Always be ahead of the curve! Start upgrading to the latest technology by availing these loans.

  • Funds for seasonal and specific needs

  • Don't hesitate to hire seasonal employees and stock on the inventory based on your requirements.

  • Franchise Financing

  • With the help of MSME loan scheme you can start franchises for your business in other cities and expand your brand’s geographical footprint.

  • Funding for next project opportunity

  • Take risks at the right time to grab projects that yield you an increased ROI.

Why choose Indifi loan for business?

Indifi is one of the leading online lending platforms in India. Here are some simple reasons which will help you make the decision faster:

  • Quick and Simple

  • Indifi follows a complete online loan approval process with less documentation. It spares you tedious paperwork and long waiting queues making the entire process quick and simple.

  • Multiple lenders

  • Indifi is an online lending platform that brings multiple lenders and partners together, along with their own lending arm. Their prime motive is to fill the gap and help businesses in accessing unsecured loans.

  • Best Fit

  • The expert professionals of Indifi will help you in getting the best custom-made loan ever. The loan experts assess all the business capital needs and design a loan plan accordingly.

  • Flexible and Transparent

  • Indifi believes in complete transparency in operations. You can get all the business loan related information on our webpages, upfront. Last but most important, we do not have any hidden charges.

Simple Steps To Your loan for business

Get a business loan from Indifi in three simple steps:

  • Application

  • Applicants who want to secure a business loan need to fill an online application form. This form will contain all the fund requirements and bank account information.

  • Documents

  • The applicant now needs to upload all the relevant documents along with the application form. These documents are bank statements, Adhaar Card Copy, PAN Card Copy, GST Filing, Business Registration Certificate, Drug License, VAT Registration, Trade License, and TIN.

  • Sanction Process

  • Indifi will sanction the loan amount after verifying all the documents and application forms.

Business Loan Eligibility Criteria

  • Age greater than 23 years

  • Business vintage of around 1 year

Documents For Business Loan Application

  • Pan Card of promoters and the firm

  • Address proofs of promoters and the firm

  • Business registration proof

  • Bank statement of the firm for the last 9 months

  • In case of a business loan of more than 15 lacs, latest ITR is mandatory

Benefits of Loan For Business

  • Better Cash Flow

  • Loan for business are an excellent way to boost up the cash flow of a business.

  • Business Expansions

  • Business loan a vital role in increasing manpower, business expansion, and infrastructural development.

  • Latest Technology

  • You can incorporate advanced technology into your business operations with these loans.

  • Procurement of Machinery

  • Are you planning to procure new equipment or machinery? If yes, loan for business can help you with that.

  • Franchise Financing

  • Business loans allow you to initiate your business franchises and expand your operations.

  • New Project

  • Grab the most promising business opportunities that can boost your profits with the help of business loans.

Business Loan FAQs

  • What is a business loan?

  • A business loan is a loan that is taken to fulfill business needs. It could be for business expansion, procurement of raw materials, renovation, hiring manpower, or buying advanced machinery.

  • Why should you take a business loan?

  • If you are looking forward to growing your business, a loan for business can help you in executing your plan by making funds easily accessible to you. You can use this amount to open a new outlet, renovate the existing office/outlet, marketing and advertising, and exploring new growth channels.

  • How to apply loan for business?

  • Applying for a loan with Indifi takes less than ten minutes. All you need to do is fill your basic business information, bank details, & upload KYC documents through an online application process. There is zero paperwork involved in this process.

  • What documents will I require to get a business loan?

  • Here is the list of documents that you will require for a business loan:

    • PAN card of the firm and promoters

    • Adhaar card

    • Business registration proof

    • The submission of the latest ITR is compulsory if the business loan amount is exceeding 15 lacs.

    • Address proof of firm and all the promoters

    • Firm’s bank statement for the last nine months

  • How can I speed up my loan approval?

  • You can speed up your loan approval process by filling the entire application form correctly in the first go. Moreover, you might be asked to furnish some additional information in the process. The sooner you provide the required details, faster will be your loan approval.

  • How can I check the application status of my loan?

  • Indifi updates the customers about their application status at every step.

  • How can I know the EMI for my loan?

  • You can calculate your EMI with the help of the Business Loan EMI Calculator.

  • What is loan foreclosure?

  • Loan Foreclosure - Borrower closing a loan before the actual maturity date by paying the full outstanding in lumpsum.

  • Are there any foreclosure charges for business loan with Indifi?

  • Indifi charges 4% early foreclosure charges from its borrowers.

  • What are the requirements of collaterals and security?

  • Business loans offered to owners of MSME are collateral-free that do not require any security deposit. However, bigger businesses that need huge capital generally do not qualify for collateral-free loans.

  • Can I avail a loan for business if I have a low credit score?

  • Indifi uses its own proprietary algorithms and diverse benchmarks to analyze the business viability and loan repayment capacity of the potential borrower. Apart from these, business, vintage, income, bureau score, and business location are also considered in this process.

  • Can I change the due date of my EMI?

  • Due dates are fixed and decided by the lender

  • How is my CIBIL score affected if I close my loan?

  • Pre-closure of business loans will positively impact your CIBIL score. It becomes a proof of your accountability and credibility.

  • What is a good credit score to get a loan for business?

  • Indifi offers loan for business based on your business feasibility and repayment capacities. So, credit scores do play a vital role but there are other equally important parameters we use during application evaluation processing getting a loan in Indifi.

  • What is the minimum required turnover of my business to be eligible for loans at Indifi?

  • You should have a minimum turnover of INR 50,000 to be eligible for loans at Indifi.

  • What is the maximum amount of loan that I can take?

  • The maximum amount of loan that you can take from Indifi is for INR 1 crore.

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Frequently Asked Questions


Applying is quick and easy and typically takes less than 10 minutes. We ask for basic information about you and your business. Securely connect your bank information so we can assess your business without long forms, waiting in line or having to dig up old paperwork. Your association with business services who we have partnered with helps get you more fitting loans.


We need your

  1. Pan Card
  2. Aadhaar Card
  3. Address proof of self and firm
  4. Business registration proof
  5. Bank Statement last 9 months.
    In case of loan more than 15 lacs, latest ITR

Can I extend my moratorium request till Dec'20? Will the company adjust the amount collected during the moratorium against Sep'20 EMI?

The moratorium on payment of Loan EMIs as per the regulatory guidelines has ended on 31st August, 2020. Starting 1st September,2020 we request customers to ensure timely repayment of loan EMI as per the repayment schedule. Any amount collected before 5th Aug will be considered as part payment and the amount collected post 5th Aug will be adjusted against Sep'20 EMI. For more details, click here