Collateral-free business loans up to ₹2 Cr for MSMEs with ₹1 Cr+ annual banking turnover. Apply in two minutes and get a decision in 24–48 hours.
₹2 Cr
max loan, no collateral
24–48 h
to approval
14%*
interest p.a. onwards
7 yrs
maximum tenure
Quick apply
Step 1 of 2
Why Paisanow
Opportunities don't wait for paperwork. Customised debt that saves you time and keeps your equity where it belongs: with you.
Collateral-free
₹2 Cr*
Unsecured funding based on your business's banking track record, not your property or machinery. Keep your assets free for what comes next.
*Up to ₹2 Cr, subject to the lender's credit assessment.
Apply online, share documents digitally and hear back within two working days.
14% to 22% p.a., priced on your business profile. Every fee is shown before you sign.
A longer tenure means smaller EMIs and steadier monthly cash flow.
No branch visits and no paper piles. Apply from your phone in minutes.
Debt, not dilution. Fund your next chapter and keep 100% of the business you built.
Our products
A lump sum for the big move, or a credit line for the everyday. Both collateral-free, both up to ₹2 Cr.
One disbursal for the big moves: new machinery, a second outlet, a large order. Fixed monthly EMIs, no collateral.
Processing fee 2% and insurance 1% of the loan amount, shown in your offer before you sign.
A limit you draw from when cash runs short. Withdraw, repay and withdraw again, and pay interest only on what you use. Available as Flexi OD or Dropline OD.
Best for working capital, seasonal stock and bridging delayed receivables.
Plan before you apply
Your monthly EMI
₹1,41,701
Indicative only. Your final rate depends on the lender's assessment of your business.
Your growth journey
From steadying cash flow to opening in a new city, we match the right product to where your business is today.
Stage 01
Bridge delayed payments and pay suppliers on time, every time.
Business overdraftStage 02
Buy inventory in bulk before peak demand and negotiate better prices.
Overdraft or term loanStage 03
Add machinery or technology that lets you say yes to bigger orders.
Unsecured business loanStage 04
Open a new outlet, warehouse or city without diluting ownership.
Unsecured business loanHow it works
Verify your mobile number and tell us how much you need.
Share required business documents like ITR and bank statements.
Your application is assessed by lenders, and you get the best offers from our lending partners.
100% paperless process. Once approved by the lending partners, you receive the funds directly in your business bank account.
Eligibility
Guides
Products explained
Schemes
Get loan-ready
FAQs
A loan given on the strength of your business's cash flows and banking history, without asking you to pledge property, machinery or other assets as collateral.
Once your documents are complete, you typically hear back within 24–48 hours.
Rates range from 14% to 22% p.a. depending on your business profile. A processing fee of 2% and insurance of 1% of the loan amount apply. All charges appear in your offer before you sign.
Pick a term loan for a one-time need like machinery or expansion. Pick an overdraft for recurring working-capital needs, since you pay interest only on what you draw.
MSME manufacturers, distributors, traders, retailers and service businesses with ₹1 Cr or more in annual banking turnover and at least 2 years in business.
Paisanow is a loan distribution partner. Loans are sanctioned and disbursed by RBI-regulated banks and NBFCs at their sole discretion.
Apply in 2 minutes. Collateral-free funding up to ₹2 Cr, with a decision in 24–48 hours.
