Collection-Based Business Loans
Up to ₹2,00,000 collateral-free capital. Repay daily via QR sales.
Fuel your shop expansion and festival inventory stocking without traditional paperwork headaches. Loan eligibility is calculated directly from your ThiruPay QR collection history, with easy daily auto-deductions.
Business Loan Enquiry
Zero Collateral • Daily QR Auto-Repay
Up to ₹2,00,000
Zero-collateral business credit
₹0 Fee
Zero processing or setup fee
24 Hours
Digital approval & disbursal
Daily Auto-EMI
Repayment linked to daily QR sales
Advanced Capabilities
Engineered for seamless counter operations
Everything built into Collection-Based Business Loans to help you collect without failure or confusion.
Underwritten on Counter Sales
No traditional CIBIL hurdles, audited balance sheets, or tax returns required. Your everyday QR collections prove your repayment strength.
Stress-Free Daily Micro-Deduction
A small fixed fraction is automatically deducted from your daily settlement. No heavy end-of-month EMI lump-sum anxiety.
Zero Bank Bounce Penalties
Because repayment is linked to your daily digital collections, you never face ₹500 cheque bounce or NACH ECS bank penalties.
100% Digital Paperless Process
Your business and KYC are already verified on ThiruPay. Apply in one tap from your dashboard without visiting any branch.
Flexible 3, 6 & 12 Month Tenures
Choose a repayment horizon that matches your seasonal sales cycle, with transparent total interest displayed upfront.
Pre-Approved Limit Upgrades
Timely daily repayment automatically increases your merchant credit tier, unlocking larger loan limits up to ₹5,00,000.
Industry Solutions
Built for every counter in Tamil Nadu
Tailored for high-speed collections in your exact business setting.
Festive Inventory Stocking
Stock up on sweets, crackers, sarees, or grocery provisions before Diwali, Pongal, and wedding seasons.
Counter Renovation & Hardware
Upgrade shop interiors, add modern refrigeration, display racks, or new billing computers.
Bulk Wholesale Cash Discounts
Pay wholesale suppliers in upfront cash to negotiate 5% to 10% volume discounts on inventory.
Branch Expansion
Fund advance rental deposits or set up a second billing counter or tea branch in a nearby neighborhood.
How it works
Get set up in three simple steps
Select loan amount
Choose your required loan amount (₹25k - ₹2 Lakhs) and tenure on your dashboard.
Instant admin review
Our admin team verifies your counter transaction volume within 24 hours.
Direct bank credit
Approved funds are transferred directly into your registered bank account.
Security is built into everything we do
Secure Connections
Data protected with encryption in transit
Every Payment Tracked
Each transaction recorded with live status
Verified Merchants
KYC document check before account activation
Role-Based Access
Separate access for owner, admin and staff
FAQ
Frequently asked questions about Collection-Based Business Loans
Ecosystem
Complete your merchant toolkit
Start accepting payments with Collection-Based Business Loans today
Get your merchant account verified in under 5 minutes with zero setup fees.