MSME & Business Loan
Working capital for shopkeepers, traders and small manufacturers — without collateral.
- Up to ₹2,500,000
- Tenure: 6 – 60 months
- Minimal paperwork
- Quick disbursal
- No collateral
Trusted by Bharat since 2018
Fast, Paperless Loans for Small Businesses & Bharat.
- 100% digital application
- Minimal documentation
- Loans from ₹10,000 to ₹25 Lakh
Get an Instant Quote
No paperwork. No credit score impact.
₹10K₹2,00,000₹25L
3 mo24 months60 mo
Estimated EMI₹—
Interest (indicative)18% p.a.
Loan Products
Built for the way Bharat earns & spends.
Choose the loan that fits your need. Every product is designed for first-time borrowers, kirana owners, traders and small entrepreneurs.
Most Popular
Personal Loan
For salaried & self-employed individuals — medical, marriage, education or emergencies.
- Up to ₹1,000,000
- Tenure: 6 – 48 months
- Disbursed in 24 hours
- Flexible EMIs
- 100% digital
Working Capital Loan
Daily & weekly repayment options to match the cash flow of your business.
- Up to ₹1,500,000
- Tenure: 3 – 36 months
- Daily/Weekly EMI
- Quick top-ups
Merchant Cash Advance
Get an advance against your future UPI/POS sales — repay as you earn.
- Up to ₹1,000,000
- Tenure: Based on monthly sales
- No fixed EMI burden
- Pay-as-you-earn
Education & Skilling Loan
Helping students from small towns access skill courses, coaching & college fees.
- Up to ₹500,000
- Tenure: 12 – 60 months
- Moratorium options
- Co-applicant friendly
Two/Three-Wheeler Loan
For delivery partners, drivers and last-mile entrepreneurs.
- Up to ₹300,000
- Tenure: 12 – 36 months
- Doorstep verification
- Fast approval
How it Works
Money in your account in 4 simple steps.
- 1
Apply Online
Fill a 3-minute form on your phone — no branch visits.
- 2
Upload Documents
Aadhaar, PAN, and 6-month bank statement.
- 3
Instant Decision
Our engine assesses your profile in minutes.
- 4
Get Disbursed
Loan is credited to your bank in 24 hours.
EMI Calculator
Plan your monthly EMI before you borrow.
Use the calculator to estimate your monthly outflow. Final rate depends on your credit profile.
₹5,00,000
18%
36 months
Check Eligibility
Find out instantly if you qualify.
Answer 4 quick questions. Soft check only — it will not affect your credit score.
- ✔ Indian citizen aged 21–60
- ✔ Monthly income or business turnover of at least ₹15,000
- ✔ Active bank account with 6 months of statements
- ✔ Aadhaar & PAN for KYC
Why Payandserve
Lending built for the next 500 million.
24-hour Disbursal
From application to bank account — usually within a working day.
Truly Digital
Apply from your phone in Hindi, English or your regional language.
First-time Borrower Friendly
No credit history? No problem. We assess income & intent.
Bank-grade Security
256-bit encryption & RBI-aligned data privacy.
Human Support
Real people in your language — call, WhatsApp or chat us.
Bharat-first
Designed for tier 2 & tier 3 cities where banks still don't reach.
Customer Stories
Real people. Real growth.
"Working capital loan ka process bilkul simple tha. Daily EMI plan mere kirana ke liye perfect hai."
"As a delivery partner I had no salary slip. They still funded my second bike. Now I do double deliveries."
"Mujhe apni beti ki shaadi ke liye loan chahiye tha. Sirf 2 din mein paisa account mein aa gaya."
"I run a small electronics shop in Jhansi. Payandserve gave me ₹3 lakh in a day when no bank would even talk to me. Today my shop has doubled in size."
Apply Now
Get a loan offer in under 3 minutes.
Submit the form below and a relationship manager will reach out the same day.
- ✔ No paperwork to start
- ✔ Soft credit pull, no score impact
- ✔ Get an in-principle offer instantly
News & Media
Latest from Payandserve Digital Lending Platform
May 16, 2026
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