Regulated NBFC / FinTechWorking Capital Facility (CC / OD)Micro Enterprise (Investment ≤ ₹1 Cr)🛡️CGTMSE CoveredVerified: 2026-09-29

FlexiLoans MSME Merchant Cash Advance

Primary Lending Institution:FlexiLoans (Epimoney Pvt. Ltd.)

₹50,000 to ₹50 Lakh MSME credit at 12.00% – 19.00% with Up to 2 years tenure.

Interest Rate12.00% – 19.00%Linked to EBLR / MCLR / Risk

Loan Amount Quantum₹50,000 to ₹50 LakhBased on turnover & project cost

Repayment TenureUp to 2 yearsWith moratorium where applicable

Collateral SecurityRequires active seller account on major e-commerce platforms or retail POS setup.

What's Missing: Crucial Fine-Print & Exclusion Gaps

Requires active seller account on major e-commerce platforms or retail POS setup.

Note: Eligo publishes these regulatory and commercial exclusions directly from bank product guidelines and CGTMSE rules to protect MSME applicants from unexpected fee debits or loan rejection surprises.

What is FlexiLoans MSME Merchant Cash Advance?

E-commerce and merchant advance loan specifically designed for sellers on Amazon, Flipkart, Myntra, and retail merchants.

Key Benefits & Features

Sanction in 24 hours; underwrites online seller marketplace transaction data; collateral-free.

Government Subsidy & Credit Guarantee Coverage

CGTMSE / Bank Guarantee / Normal Security

Enterprise Eligibility Criteria

Online sellers and retailers with monthly sales volume ≥ ₹50,000.

Business Vintage1+ Years in Operation

Min. Annual Turnover₹6.0 Lakh

Processing Fee2.00% + GST

Prepayment TermsZero prepayment penalty on floating rate loans as per regulatory norms

How to Apply (3 Verified Paths)

💼Path 1: Current Account Portal

Apply online via business net banking or approach loan account manager.

🌐Path 2: Official FinTech / Govt Portal

Apply online at https://www.flexiloans.com/merchant-cash-advance with digital KYC and financial statements.

🏢Path 3: SME Banking Center Walk-In

Visit nearest MSME branch of the institution with business registration and bank statements.

Eligo does not collect business loan applications or financial data. Apply directly on the verified official domain:

Visit Official Portal↗

Documents Required Checklist

Udyam Registration Certificate, PAN, Aadhaar, Last 2 years ITR and financial statements, 12 months GST returns, 6 months bank statement.

Frequently Asked Questions

What is the maximum loan tenure and amount for FlexiLoans MSME Merchant Cash Advance?

Borrowers can avail ₹50,000 to ₹50 Lakh with a repayment tenure of Up to 2 years.

What are the processing charges and collateral terms for FlexiLoans MSME Merchant Cash Advance?

The processing fee is 2.00% + GST. Collateral terms: Requires active seller account on major e-commerce platforms or retail POS setup.

What are the eligibility criteria for FlexiLoans MSME Merchant Cash Advance?

Online sellers and retailers with monthly sales volume ≥ ₹50,000. Minimum business vintage required is 1 year(s).

How can an applicant apply for FlexiLoans MSME Merchant Cash Advance?

Apply online at https://www.flexiloans.com/merchant-cash-advance or visit nearest branch with KYC, Udyam registration, and bank statements.