Get Working Capital up to ₹2,50,000
Repay Daily from Your Sales
Repay Daily from Your Sales
No need to take any property or security documents. Get capital for your business, shop or stores. Repay a small amount daily.
Check Your Eligibility Based on Your QR Sales
Just a few things you need, nothing more.
Age Requirement
Available for business owners between 21 to 55 years of age.
Verified merchant profile
You should be a verified merchant with an ongoing business.
Active QR with regular collections
An active QR with daily customer payments helps us assess cash flow.
Loan For Your Business In 4 Days
4 Simple Steps to Get Your Daily Working Capital
Check eligibility
Share a few basic business details to see if a loan fits your business.
Complete verification
Finish Aadhaar, PAN, and bank verification digitally and securely.
Review loan details
See your loan amount, charges, and repayment schedule clearly before you proceed.
Get funds & repay smoothly
Funds are credited to your bank account. Repayments follow the planned schedule.
Why Merchants and Shopkeepers Trust UdhaarSaathi (Formerly InstaVyapaar)
With UdhaarSaathi (Formerly InstaVyapaar), managing your daily business cash flow becomes simple and stress-free.
Daily repayments
No collateral
Get more with time
Transparent charges
Minimal Documents, Clear Process
Aadhaar for verification
Used to verify your identity and complete digital authentication securely.
PAN for KYC
Bank account details
FAQs
What is UdhaarSaathi?
UdhaarSaathi is a business-loan platform that offers collateral-free working capital for everyday business needs, designed around how businesses earn and repay.
Who can apply for an UdhaarSaathi loan?
Business owners between 21 to 55 years of age with an active business, a verified merchant profile, and regular QR-based collections can apply.
Is collateral required to take a loan?
No. UdhaarSaathi loans are collateral-free. You don’t need to give property, assets, or any security to apply.
How are repayments structured?
Repayments are planned daily to stay predictable and manageable, aligned to your business cash flow. Your repayment schedule is clearly shared before you proceed.
What can I use the loan for?
What documents are required to apply?
Only basic documents are required: Aadhaar, PAN, and active bank account details. All verification is done digitally.