Working Capital Loan

Capital Financing for Payism Distributors & Retailers
Cash is a lifeline of any business and so for our distributors and retailers. In a business such as ours, which is heavily dependent on the cash management, makes it necessary for the distributors/retailers to regularly replenish the inventory and keep the business ticking.

Many a times, due to a cash crunch, businessmen resort to informal channels of lending to avail finance. Exorbitant rates of interest coupled with the unreasonable demands of the lender could have crippling effects on the borrower.

Payism in conjunction with NBFC brings the product ‘Pay Later ‘to solve such problems. This exclusive product carries a predefined credit capacity determined by the minimum 3 months business history on Payism portal. By availing this product, the applicant can make multiple drawdowns within the given capacity and repay the amounts to restore the balance for further usage. Pay Later is a rolling loan product that helps our Distributors and Retailers to draw the amount as in when needed. Interest is charged on the amount used and not on the entire limit provided to the applicant.


  • Distributor/Retailer minimum business vintage should be over 3 months
  • Limit is available for a year, with drawdowns repayable in every 30 days
  • Loan amount between ₹25,000 to ₹5 Lakhs
  • One-time bullet repayment mode

  • 10-minute online application form
  • Digitally upload required documents
  • Receive instant approval in minutes
  • Loan amount disbursed within 72 hours