Business Loans up to ₹2.5 Lakh: Get Approval in Minutes
InstaVyapaar offers business loans up to ₹2.5 lakh for shopkeepers accepting QR code payments.
Who Can Apply?
You are eligible if:
- ✓ You are a business owner aged 21–55 years
- ✓ You run an active shop or service business
- ✓ You accept UPI/QR payments regularly
- ✓ Your business has daily customer transactions
How to Apply for a Small Business Loan if You Accept UPI Payments
1
Download the App
Start your application on InstaVyapaar in minutes.
2
Enter Business Details
Provide basic details such as your business type, business name, location, average monthly sales, business vintage, and type of business.
3
Complete KYC
Securely verify your identity and bank details.
4
Loan Sanctioned
Funds are transferred directly to your bank account after approval.
No branch visits. No paperwork. No middlemen. Just a simple digital process for QR-active merchants.
See how InstaVyapaar is different from traditional bank loans
| Feature | InstaVyapaar | Traditional Bank Loans |
|---|---|---|
| 📱 Application Process | ✔100% digital application | Often involves branch visits and paperwork |
| 🕒 Time to Apply | ✔Usually completed in a few minutes | May take several days to complete |
| ⏱ Approval Time | ✔Typically, within 5–10 minutes | Can take days or weeks |
| 📄 Documentation | ✔No physical documents required | Often requires multiple documents and verification |
| 👤 Eligibility Assessment | ✔Based on QR payment activity and business performance | Usually requires more documents and financial checks |
| 🛡 Collateral Requirement | ✔No collateral required | Collateral may be required, depending on the loan |
| 📲 Convenience | ✔Apply anytime from your phone | May require branch visits and in-person follow-ups |
| 🏪 Designed For | ✔QR-active small businesses and shop owners | Broad range of borrowers |
| 💳 Access to Funds | ✔Fast and simple digital journey | Longer approval and disbursement process |
FAQs
Business owners or shopkeepers who accept UPI payments and have regular business transactions can apply.
You can apply through the InstaVyapaar app or website by completing a simple digital application process.
No. You do not need to provide any collateral, security, or property to get the loan.
In most cases, loan eligibility is assessed instantly, and the application process can be completed in under 5 minutes.
After loan approval and completion of all required steps, the loan amount is usually transferred within 1–2 days.
Get Started with
InstaVyapaar Today
Small Business loans up to ₹2.5 lakh for eligible merchants who accept QR payments.
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1 Lakh+
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Lending
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