Paisaflow BusinessMerchant Receivable Finance · ₹25,000 – ₹5,00,000
Working capital that repays the way you earn.
A short-term business loan for shop owners, traders and service businesses — underwritten on your real receipts and collected in small daily instalments over about three months. Fully digital, no branch visits, every charge disclosed before you sign.
Repayment preview
Indicative only: 24% p.a. flat on a 90-day tenor, 2% processing fee + 18% GST, instalments skip Sundays and lender holidays. Final amount, rate and schedule are decided by the lender and shown in your Key Fact Statement before you sign.
Apply for this amountHow it works
Six steps, all on your phone
Your business mobile number is your application ID. Most applicants finish in under ten minutes; approval typically follows in 1–2 working days.
Verify mobile
OTP on your business number. Separate consents for privacy and communication.
Aadhaar, PAN and selfie
DigiLocker in two minutes, no photocopies. A live selfie is matched to your Aadhaar photo.
Co-borrower or partners
Spouse or partner for a proprietorship; partners, directors and signatory for firms. PAN + OTP each.
Business profile
GSTIN or Udyam, how you receive payments, premises proof and a geo-tagged shop photo.
Bank statement
6–12 months through Account Aggregator, net banking or PDF — with your consent, read by machine.
KFS, e-sign and mandate
Key Fact Statement with APR and every charge, Aadhaar e-sign, then UPI AutoPay or eNACH for daily collection.
Why Paisaflow Business
Built around a merchant's cash flow
Underwritten on receipts
Verified bank, UPI and POS credits — not just stated turnover.
Repay the way you earn
Small daily instalments over ~3 months, matched to your sales cycle.
No collateral, no branch visits
Aadhaar, PAN, GST and bank statement — all digital, with consent at every step.
Transparent pricing
Key Fact Statement with APR and every charge before you sign. Lender named on every document.
Eligibility
Who can apply
Base criteria below. The lender's credit policy decides the final amount and pricing; nothing is promised until the sanction letter.
You qualify if
- Shop, trading or service business running for 12+ months
- GST or Udyam registration
- A current or savings account used for business, with 6+ months of statements
- Applicant aged 21–60 with Aadhaar and PAN
- A co-borrower (proprietorship) or the firm's partners / directors available for KYC
Keep ready
- Aadhaar-linked mobile (for DigiLocker and e-sign OTPs)
- GSTIN or Udyam number
- Net-banking login for Account Aggregator, or 6–12 months of bank statement PDFs
- Shop front photo and premises proof (rent agreement, utility bill or ownership document)
- UPI ID or bank account for the repayment mandate
Interest, fees and charges
No surprises after you sign
Every number below appears in your Key Fact Statement, which you receive and accept before e-signing the agreement.
Charges
| Loan amount | ₹25,000 – ₹5,00,000 |
| Tenor | ~90 days · 96 daily instalments |
| Interest | 24% p.a. flat (indicative) |
| Processing fee | 2% of principal + 18% GST |
| Penal charge on default | 2% p.a. on the overdue instalment, no compounding |
| Foreclosure | Nil after cooling-off |
| Cooling-off period | 3 days from disbursal · exit with principal + pro-rata interest, no PF |
Your protections
- Key Fact Statement with APR, due-date calendar and all charges, emailed and shown in-app
- Lender named on the sanction letter, agreement and every receipt
- Consent recorded (with timestamp) before each data pull: KYC, bureau, GST, bank statement, mandate
- Collection calls only between 8 am and 7 pm, by staff carrying photo ID; pay only through channels shown in the app
- Grievance officer and lender nodal officer contacts on every document, with an escalation ladder in the app
Questions
Frequently asked
Who can apply?
Any shop owner, trader or service business with 12+ months of operations, a current or savings account used for business, and GST or Udyam registration.
How is repayment collected?
Fixed instalments (normally daily over ~3 months) are presented through a UPI AutoPay / eNACH mandate on your verified business account. You can also pay any instalment early from the dashboard through the lender-approved UPI channel.
Why do you need a co-applicant?
For a proprietorship, a spouse, parent or business partner joins as co-borrower. For partnerships, LLPs and companies we verify the partners / directors / beneficial owners and the authorised signatory.
What documents are needed?
Aadhaar and PAN via DigiLocker, a live selfie, GSTIN or Udyam number, 6–12 months of bank statements (Account Aggregator, net banking or PDF), and a photo of your shop.
How long does approval take?
Typically 1–2 working days after your bank statement is analysed. Approval, amount and pricing are decided solely by the lender; nothing is promised until the sanction letter.
Are there foreclosure charges?
Foreclosure is permitted after the cooling-off period; charges, if any, are those disclosed in your Key Fact Statement (currently nil).
Is my data safe?
Data is pulled only after your explicit consent for each source, encrypted in transit and at rest, and shared only with the lender named on your documents. Paisaflow never sees your full Aadhaar number.
For EcoPlanet and lender staff
Business CRM
One workspace for the whole loan lifecycle — sourcing, verification, credit, disbursal, collections, finance and risk — with maker-checker, reason codes and a full audit trail. Sign in with your registered staff mobile number.
Access is granted by your administrator. Suspended or revoked accounts cannot sign in.
Ready when your shop is.
Ten minutes to apply. Decision in 1–2 working days. Money in your account, repaid one day at a time.