Flexi-Merchant Advance

meet short-term business needs with collateral-free loans

  • Business with at least 12 months history
  • Annual Business Turnover of at least 12,00,000 rupees
  • Net Profit of at least 3,00,000 rupees
  • You have a registered POS device and accept card payments
  • You have been using the machine for at least 6 months
  • You accept card payments of at least 50,000 rupees per month
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Flexi-Merchant Advance


Your business offers accepting payments in cash and on a POS/EDC device through a Credit Card or a Debit Card. You are looking for a loan to expand your inventory or expand your products, maybe procure new brands as customers’ tastes change. However, distributors ask for upfront payment and you don’t want to do bulk payments at the end of the month as you need to conserve working capital for inventory procurement. Banks aren’t ready to consider lending small repeat amounts to shops and NBFCs follow a very long process of documentation and data processing which can be very time consuming. Avoid all the hassles of burdensome bulk EMIs and quick application processing with our Loan against POS Transactions.


We provide you quick funding to scale up your business offline or for procuring new stock for the upcoming festive season. We will help you service your short-term obligations to stay ahead of the competitive curve. The entire process is basis the transaction history of your swipes.


Avoid the hassles of monthly repayment or collateral and adopt our pay-as-you-swipe repayment via your POS sales.

Case StudyCase Study
Why should you apply?

Disbursal within 48 hours


Top-up in case of timely repayment of loan


Quick and seamless processing


No Hidden Charges/Fee


Refund in case of excess deduction


Fully online process

What is our product?


  • Repayment from POS/EDC Sales
  • Daily repayment to minimize the burden of  monthly EMIs
  • One-time processing fee up to 2%
  • Interest Rates basis eligibility
  • Flexible tenure up to 12 months
  • Credit limit of 15– 60 days of Average Monthly Turnover basis eligibility

What documents are required?


  • All Bank Statements of last 12 months
  • KYC documents for yourself and your organization*
  • Financial documents*
  • Shop Establishment Certificate
Loan Process
  • Fill

    Fill Online Form

    Fill the online Application Form in less than 15 minutes

  • Upload

    Upload Documents

    On submission, FlexiLoans generates Credit Score in less than a day

  • Receive


    Sign the documents and get the loan approved in less than 48hrs

The general loan process for Loans against POS transactions


  • Register with us or login to your dashboard
  • Complete our application form by filling up the required details
  • Upload the relevant documents on our website
  • Once you are sanctioned a loan subject to eligibility, accept the loan agreement by logging on to the site
  • Loan will be disbursed to your loan account within 48 hours
  • You will be informed about the split %age to be debited from your card swipe settlement as part of the agreement you accept
  • Split %age is decided basis your financials and credit profile
  • For example, if we keep split %age as 5%, for every 100 rupees you swipe via your card machine, 5 rupees will be paid towards the loan. Rest of the 95 rupees will be credited to your account by your POS machine provider after deducting commissions (if any)
  • This recovery will be daily and will depend solely on the amount your customers swipe
  • At the end of the month, we will calculate the amount received by us from your machine.
  • In case, we receive any excess amount, the same will be refunded to you within 2 working days
  • In case, we receive any shortfall in the amount received, we will be presenting an NACH or a cheque to recover only the shortfall amount
  • This process will continue till your entire loan is repaid
  • Like any other loan, you can choose to prepay the loan without any charges

Detailed Document List

  • List of KYCs accepted
  • PAN Card (Mandatory) and
  • Any one of
  • Aadhaar
  • Passport
  • Voter’s ID
  • Driving License
  • Electricity Bill
  • Ownership Documents
  • Shops Establishment Certificate
  • VAT/Service Tax Registration Certificate
  • Certificate of Incorporation
  • For any loan above 5 Lakhs
  • 12 months of All Bank Statements
  • List of Financial documents to be submitted
  • ITR (Income Tax Return)
  • 2 years of audited P&L Statements