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Indifi is a Non-Banking Financial Company (NBFC) that offers business loans to Small and Medium Size Enterprises (SMEs) at an interest rate of 22% onwards. The company offers term loans for businesses to overcome their financial crunch or for expansion. Indifi provides business loans to small and medium enterprises that have limited access to financial institutions that include banks. Businesses which are unable to provide collateral are offered term loans from Indifi. The NBFC collates data of businesses from various sources and consider their creditworthiness by checking their credit scores before loan sanctioning.

Indifi Business Loan 2020
Interest Rate22% onwards
Processing FeeUp to 2% (One-time)
Loan TenureUp to 36 months
Loan AmountUp to Rs. 50 lakh
Min. operational historyMin. 2 years
ITR2 years ITR for more than Rs. 10 lakh
VATVAT returns for last 12 months
Collateral / SecurityNot required

Note: The mentioned interest rates, fees and charges are subject to change and depend on the sole discretion of the bank and RBI. GST and service tax shall be levied extra on the mentioned charges.

Indifi Business Loan Features

  • Business loan of amount up to Rs. 50 lakh in under 24 hours
  • Minimum documentation
  • Increased chance of approval with Indifi
  • Specific loan products to meet business requirements
  • No hidden charges
  • Transparent and hassle-free process
  • Flexibility in choosing loan tenure and repayment period

Types of Indifi Business Loan

Overdraft Facility

Overdraft facility or line of credit is offered to provide frequent cash inflow. Line of credit is used by businesses to pay debts or on-time regular payments. Line of credit can also be used to pay off vendors, extend credit to customers and to meet seasonal demands.

Bill or Invoice Discounting

Invoice discounting means availing instant cash against the cash payments locked in outstanding invoices. The vendor no longer needs to wait for the client to clear the invoice, instead they can avail instant cash from indifi against the outstanding invoice. The maximum loan amount offered by Indifi in form of invoice discounting is up to Rs. 1 cr and up to 90% of invoice value. By availing this loan, the vendors are no longer required to wait for the outstanding payments from their clients. In this case, the vendor has to repay the loan only when they receive payment from their client.

Merchant Cash Advance

Merchant Cash Advance is a loan that is offered to businesses with significant transaction happening via card swipes. Companies or enterprises require money to expand their business, operation, stock more inventory, extend credit line. To overcome this situation companies are offered with unsecured Cash Advance Loans from Indifi.

                                            Merchant Cash Loan Eligibility
Cash swipe historyMin. 6 months
Minimum monthly transactionRs. 50,000
Business operational historyMin. 2 years
ITR2 years ITR for loans above 10 lakh

Required Documents

  • Business Registration Proof
  • PAN card of the vendor
  • Aadhar Card of the promoter
  • Last 6 months’ bank statement
  • KYC documents of the applicant and the company


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