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Merchant Cash Advance India

Boost your business with LoanPao’s Merchant Cash Advance. Get up to ₹50 lakh with flexible repayments based on sales.

Apply Now

About LoanPao’s Merchant Cash Advance

LoanPao’s Merchant Cash Advance (MCA) in India provides small businesses, retailers, and merchants with quick access to funds up to ₹50 lakh. Unlike traditional loans, repayments are flexible, based on a percentage of daily or monthly sales (typically 5%–20%), making it ideal for businesses with fluctuating revenue. With LoanPao’s network of 500+ RBI-compliant lenders, approvals are processed within 24–48 hours through a digital process. MCAs are unsecured, requiring no collateral, and are perfect for working capital needs. For other financing options, explore our Business Loan or MSME Loan pages.

Key Features

Fast Approvals

Funds within 24–48 hours for merchant cash advance India.

High Funding

Up to ₹50 lakh for small business cash advance India.

Flexible Repayments

Tied to daily or monthly sales for flexible business financing India.

No Collateral

Unsecured business advance India with no asset pledging.

Digital Process

Online application with e-KYC for sales-based loan India.

Trusted Lenders

500+ RBI-compliant banks and NBFCs.

Eligibility Criteria

Criteria Details
Applicant Type Small businesses, retailers, merchants
Business Turnover Minimum ₹10 lakh p.a.
Business Vintage At least 1 year
Payment Sales Consistent card or digital payments (POS/UPI)
Funding Amount ₹1 lakh–₹50 lakh
CIBIL Score 600+ (optional for some lenders)

Documents Required

  • KYC: Aadhaar, PAN, voter ID
  • Business Proof: GST registration, shop license
  • Financials: Bank statements (6 months)
  • Payment Records: POS or UPI transaction history
  • ITR: Last 1 year (if applicable)

How to Apply for Merchant Cash Advance

Follow these steps to secure your merchant cash advance with LoanPao:

  1. Fill the form below with business and sales details.
  2. Upload KYC, financials, and payment records via e-KYC.
  3. Get funds within 24–48 hours after approval.

Market Insights

India’s merchant cash advance market is growing rapidly, driven by the rise in digital payments and e-commerce. With RBI’s focus on MSME financing, LoanPao’s MCA aligns with government initiatives like Digital India, offering quick capital to small businesses.

Testimonials

“LoanPao’s MCA gave my retail store the boost it needed. Flexible repayments made it easy!”

Rahul Mehta, Delhi

“Quick approval and no collateral – perfect for my online business.”

Priya Singh, Mumbai

Frequently Asked Questions

A Merchant Cash Advance is a financing option where businesses receive funds against future sales, with repayments based on a percentage of daily or monthly revenue.

Small businesses, retailers, or merchants with consistent card or digital payment sales and a minimum turnover of ₹10 lakh p.a. are eligible.

Costs are based on a factor rate (1.1–1.5), translating to an effective APR of 15%–40%, depending on sales volume and repayment terms.

KYC, business proof, bank statements (6 months), and POS or digital payment records are required.

LoanPao ensures approvals within 24–48 hours with digital verification and 500+ lender partners.