Indifi Unsecured Business Loan

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About this app

Indifi is a leading online lending platform that has its own credit rated and RBI-registered NBFC and other lenders on its platform, offering unsecured business loans to MSMEs.

We have disbursed 50,000+ MSME & business loans upto ₹100 lacs across 400+ cities across various industries

Why take Indifi Unsecured Business Loan?
•Apply from anywhere: 100% Online process
•Easy process-dedicated relationship manager
•Attractive lending rates: APR ranging from 18% - 55.3%
•Flexible business loan tenure: from 3 to 36 months
•Fast disbursals
•Flexible repayment terms
•Minimal documentation
•No hidden charges
•Customised loans: For retailers, traders, restaurants, online sellers & more
•One Application, Multiple offers: Get offers from multiple lenders

What do we offer for MSMEs?
Term Loan for MSMEs: Get a fixed amount for a fixed tenure at low interests
Merchant Advance (Loan against POS machines): Suitable for businesses that process a lot of card swipes including Retailers, online sellers and traders
Invoice Discounting: Small businesses or entrepreneurs can use their unpaid invoices to generate revenue for operating expenditures
Line of credit: Suitable for regular cash flow. Ideal for business requirements such as money to get cash discounts, offer credit to clients, pay vendors and meet seasonal needs

Interest, tenures and other specifications:
•Annual Percentage Rate (APR): Ranges from 18%-55.3%
•Minimum Repayment Tenure: 3 months
•Maximum Repayment Tenure: 36 months
•Processing fee: Upto 3% of the loan amount

An Example of a Term loan:
•Loan Sanction Amount: ₹100,000/- at an interest rate of 30% p.a
•Loan Tenure: 12 Months
•Processing Fees (Including GST @18%): ₹3,540
•Disbursement Amount: ₹100,000 (Loan Amount) - ₹3,540 (Processing Fees)
= ₹96,460
•Total Interest Payable: ₹16,984.55
•Total repayable Amount (Loan Amount + Interest): ₹1,16,984.55
•Monthly Instalment Amount (Loan Amount + Interest / No of EMI’s):
•Total Cost of the Loan: Interest Amount + Processing Fees = Rs. 16,984.55 +
Rs. 3,540 = Rs. 20,524.55
•Annualised Percent Rate (APR): 37.20%

A loan can be called differently by different businesses. At Indifi, all business-related funds can be availed:
1. Business Loans
2. MSME Loans
3. Working Capital Loans

Who might be eligible for a business loan?
1. Businesses with >12 months operations
2. Promoter age > 22 years old
3. Businesses with turnover > INR 5 lakhs
4. Business with GST registration

We offer flexible online loans through business loan app to some industries:
Loans for E-commerce sellers: Unsecured e-commerce loans help stock inventory and launch new products
Loans for Restaurants & Delivery Outlets: Loans cover opening a new store, renovating the kitchen, and building working capital
Loans for Retailers: Loans for stocking inventory, seasonal demand or offering credit to customers
Loans for Pharma Businesses: Unsecured loans help manage payments, credit from suppliers and other needs
Loans for Traders: Quick loans to manage credit & working capital cycles, procure inventory & sell further

Our Lending Partners:
Aditya Birla Finance Limited
Incred Financial Services Pvt Ltd
NorthernArc Capital Limited
Ambit Finvest pvt. Ltd.
IIFL Finance Limited
DMI Finance Pvt. Ltd.
Indifi Capital Private Limited
Bajaj Finserv Direct Limited

Additional App Features:
•One view to see all loan details and download statement
•Simple payment options
•Auto Loan top-up offers & request for additional loan
•Raise support tickets for loan-related queries

For more information:
Call us at 011-408-44715 to speak to our loan expert (Mon to Sat excluding public holidays & 4th Sat of every month),
Write to us at
Updated on
Nov 16, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info and Device or other IDs
This app may collect these data types
Personal info, App activity and 2 others
Data is encrypted in transit
You can request that data be deleted

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