---
title: Short Term Business Loans | Indifi
canonical: https://www.indifi.com/short-term-business-loans
markdown_version: https://www.indifi.com/short-term-business-loans.md
description: Apply for short term business loans from Indifi. Quick access to working capital for 6-12 month tenure with fast approval and disbursal.
content_type: product_page
operator: Indifi Technologies Pvt. Ltd.
lending_entity_note: Loans facilitated through RBI-registered NBFC partners and through Indifi Capital Private Limited (RBI Cert. No. B-14.03389)
last_updated: 2026-06-01
---


# Short Term Business Loans from Indifi

> Indifi's short term business loans provide working capital for tenures from 6 to 12 months. Ideal for seasonal businesses, inventory funding, and bridging cash flow gaps without committing to a multi-year repayment schedule.

## Key Features

- **Loan amount:** Up to INR 50 lakhs
- **Tenure:** 6 to 12 months (short term)
- **Interest rate:** Starting at 1.5% per month
- **Collateral:** Not required
- **Disbursal:** Within 48-72 hours
- **Processing fee:** Up to 4%

## What is a Short Term Business Loan?

A short term business loan is a credit facility with a repayment tenure of less than 12 months. It is primarily used for:
- Working capital gaps
- Seasonal inventory stocking
- Short-term cash flow management
- Bridge funding between receivables and payables

## Short Term vs Long Term Business Loan

| Feature | Short Term (6-12 mo) | Long Term (13-36 mo) |
|---|---|---|
| EMI amount | Higher (larger principal per month) | Lower |
| Total interest paid | Lower | Higher |
| Best for | Working capital, seasonal needs | Expansion, capex |
| Risk | Higher monthly outgo | More interest overall |

## Common Uses

- Pre-season inventory purchase (retail, textiles)
- Festival stock funding
- Short-term supplier payments
- Emergency operational funding
- Bridging receivables gap

## Eligibility Criteria

- GST-registered business
- Minimum 1 year of business operation
- Annual turnover INR 40 lakhs+
- Promoter age 22-65 years, Indian nationality

## Required Documents

- PAN and Aadhaar (entity and promoters)
- Bank statement (last 6 months)
- GST registration and returns (last 12 months)
- Business registration proof

## Related Products

- [Business Loan](https://www.indifi.com/business-loan)
- [MSME Loan](https://www.indifi.com/msme-loans)
- [Working Capital Loan](https://www.indifi.com/working-capital-loans-india)
- [Term Loan](https://www.indifi.com/term-business-loans-online-india)
- [EMI Calculator](https://www.indifi.com/business-loan/emi-calculator)


- [Short Term Small Business Loans](https://www.indifi.com/short-term-small-business-loans)
- [Working Capital Loan](https://www.indifi.com/working-capital-loans-india)

## About Indifi

Indifi Technologies Pvt. Ltd. is India's digital MSME lending platform. Indifi Capital Pvt. Ltd. (RBI Cert. No. B-14.03389) is its in-house NBFC. 100,000+ loans disbursed across 400+ cities.

**Registered office:** Plot-19, Ground Floor, Block C, Sewa Tower, Sector-18, Phase-4, Udyog Vihar, Gurugram, Haryana-122015, India

## Disclaimer

Loan approval is subject to eligibility assessment and Indifi's underwriting policies. Rates and fees are indicative and may vary.