---
title: Short Term Small Business Loans | Indifi
canonical: https://www.indifi.com/short-term-small-business-loans
markdown_version: https://www.indifi.com/short-term-small-business-loans.md
description: Get short term small business loans from Indifi. Fast access to 6-12 month working capital for micro and small enterprises.
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 Small Business Loans - Indifi

> Indifi offers short term loans specifically designed for micro and small enterprises (MSEs) needing quick working capital for tenures of 6-12 months. Simple eligibility, minimal documents, and approval within 72 hours.

## Key Features

- **Loan amount:** INR 50,000 to INR 20 lakhs (for small businesses)
- **Tenure:** 6 to 12 months
- **Interest rate:** Starting at 1.5% per month
- **Collateral:** Not required
- **GST requirement:** Active GST registration
- **Disbursal:** 48-72 hours

## Who Are Small Businesses?

Under MSME classification, small businesses are defined as:
- **Manufacturing:** Investment in plant and machinery between INR 1 crore and INR 10 crore
- **Service:** Investment in equipment between INR 10 lakhs and INR 2 crore

## Why Short Term Loans Work for Small Businesses

Small businesses often need quick, small-ticket financing for specific purposes - stocking up before a big order, bridging a payment gap, or handling an unexpected expense. A short tenure loan keeps the total interest outgo low and debt cleared quickly.

## Common Borrower Profiles

- Kirana store owners needing festival stock
- Small textile traders buying seasonal inventory
- Restaurant owners managing cash flow between busy periods
- Small service businesses bridging client payment delays

## 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 Business Loans](https://www.indifi.com/short-term-business-loans)
- [Kirana Store Loan](https://www.indifi.com/business-loan/kirana-store-business-plan)

## 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.