Merchant Loan – instavyapaar

Loans Up to ₹2,50,000 For Everyday Business Needs

Collateral-free merchant loans with clear terms and predictable repayments.

Loan Eligibility Criteria

Just a few things you need, nothing more.

Age Requirement

Available for business owners between 21 to 55 years of age.

Verified merchant profile

You should be a verified merchant with an ongoing business.

Active QR with regular collections

An active QR with daily customer payments helps us assess cash flow.

Loan For Your Business In 4 Days

Loan For Your Business In

Check eligibility

Share a few basic business details to see if a loan fits your business.

Complete verification

Finish Aadhaar, PAN, and bank verification digitally and securely.

Review loan details

See your loan amount, charges, and repayment schedule clearly before you proceed.

Get funds & repay smoothly

Funds are credited to your bank account. Repayments follow the planned schedule.

Loans Designed To Work The Way Your Business Works

With InstaVyapaar, borrowing for business will feel manageable & not stressful.

Daily repayments

Repay daily according to your cash flow.

No collateral

Get loans for your business without any assets or guarantees needed.

Get more with time

On time repayments unlock higher loan limits.

Transparent charges

You always know how much to pay and when.

Minimal Documents, Clear Process

We keep documentation simple so you can focus on running your business.

Aadhaar for verification

Used to verify your identity and complete digital authentication securely.

PAN for KYC

Required for basic KYC checks and to assess eligibility responsibly.

Bank account details

Needed to credit the loan amount and manage repayments smoothly.

Zarurat ke waqt,
InstaVyapaar

Zarurat ke waqt, InstaVyapaar

FAQs

What is InstaVyapaar?

InstaVyapaar is a business-loan platform that offers collateral-free working capital for everyday business needs, designed around how businesses earn and repay.

Who can apply for an InstaVyapaar loan?

Business owners between 21 to 55 years of age with an active business, a verified merchant profile, and regular QR-based collections can apply.

Is collateral required to take a loan?

No. InstaVyapaar loans are collateral-free. You don’t need to give property, assets, or any security to apply.

How are repayments structured?

Repayments are planned daily to stay predictable and manageable, aligned to your business cash flow. Your repayment schedule is clearly shared before you proceed.

What can I use the loan for?

You can use the loan for regular business expenses such as inventory restocking, managing cash-flow gaps, staff payments, repairs, tools, and other everyday operational needs

What documents are required to apply?

Only basic documents are required: Aadhaar, PAN, and active bank account details. All verification is done digitally.