Working capital when you need it
Unlock collateral-free credit built on your payment history — merchant cash advances, invoice financing and TReDS-backed working capital — with limits that grow as your business does.
Credit that understands your cash flow
Traditional lenders ask growing businesses for three years of profitability and collateral they don't have. IndyPay takes a different view: your payment and settlement data already tells the story of a healthy business, so credit decisions are based on real cash flow, not paperwork.
- Collateral-free credit
- Merchant cash advance
- Invoice financing
Designed for how you actually work
That data powers several routes to capital. A merchant cash advance gives you a lump sum repaid as a small share of daily settlements. Invoice financing lets you draw against unpaid invoices instead of waiting 30–90 days. And through TReDS, MSME vendors can discount their receivables to multiple financiers — with an interest subvention that lowers the effective cost.
- TReDS & MSME financing
- Limits that scale
- Paperless, fast approval
Check, choose, get funded
Check your limit
See a pre-approved limit computed from your IndyPay payment history.
Pick a facility
Choose a cash advance, invoice financing or TReDS discounting to fit the need.
Get funded
Complete a short digital application and receive funds quickly on approval.
Inside Business Loans
Collateral-free credit
Credit lines based on your payment and settlement data, with no assets pledged and no personal guarantee.
Merchant cash advance
Take a lump sum upfront and repay automatically as a small percentage of your daily settlements.
Invoice financing
Draw working capital against unpaid invoices instead of waiting weeks for customers to pay.
TReDS & MSME financing
Discount MSME receivables to multiple lenders on TReDS, with interest subvention lowering your cost.
Limits that scale
Your eligible amount grows automatically as your transaction volume grows.
Paperless, fast approval
Apply digitally with minimal documentation; pre-computed eligibility means quick decisions and disbursal.
The difference it makes
- Capital without collateral — Access funds based on performance, not assets — ideal for asset-light, growing businesses.
- Smooth out cash flow — Bridge the gap between paying suppliers and getting paid by customers.
- Lower cost on MSME dues — TReDS interest subvention reduces the effective cost of financing vendor payments.
- Stay compliant — Timely MSME payments through TReDS help you avoid penalties and tax disallowances.
Who uses Business Loans
SMEs & merchants
Fund inventory, expansion or seasonal spikes against your sales.
Suppliers to large buyers
Discount receivables on TReDS to get paid early instead of waiting.
Enterprises with MSME vendors
Pay MSME suppliers on time and unlock interest subvention benefits.
Common questions
Do I need collateral?
No — limits are based on your transaction history and cash flow, not pledged assets or personal guarantees.
What's a merchant cash advance?
A lump sum paid upfront that you repay automatically as a small share of your daily settlements.
How does invoice financing work?
You draw working capital against unpaid invoices and repay when your customers settle them.
What is TReDS and the interest subvention?
TReDS is an RBI-regulated platform where MSME vendors discount receivables to multiple financiers; an interest subvention lowers the effective financing cost on eligible MSME payments.
How is my limit decided?
It's pre-computed from your payment volume and business performance on IndyPay, and grows as you scale.
How fast is disbursal?
Applications are digital and near-paperless, so approved funds are typically disbursed quickly.
Ready to get started with Business Loans?
Go live in minutes. No setup fees, no lock-in.