Features and benefits

  • Loan of up to Rs. 75 lakh

    Loan of up to Rs. 75 lakh

    With a high-value business loan, free up your working capital and offset the liquidity tied up in your receivables.

  • Unsecured financing

    Unsecured financing

    Get receivable financing from Bajaj Finance without pledging a business asset as collateral.

  • Finance in 48 hours *

    Finance in 48 hours *

    With minimal documentation, apply online and get the loan amount in your bank within 48 hours* post approval.

  • Flexi Loan facility

    Flexi Loan facility

    Withdraw when your accounts receivable increase and prepay when your debtors pay you. Pay interest on the amount withdrawn only.

  • Up to 45%* lower EMIs

    Up to 45%* lower EMIs

    Pay interest-only EMIs for the initial part of the tenure and the principal later to reduce your monthly outgo.

  • Digital loan management

    Digital loan management

    Access your loan account anytime, anywhere. View upcoming EMIs and pay them through our customer portal.

As a small business owner, you supply goods and services to your customers. However, a high number of sales made on credit or accounts receivables can restrict your cash flow. It may hinder inventory purchases, the payment of wages and rent, the ability to serve new customers, etc. Accounts receivable is an asset on your balance sheet, but a high amount of accounts receivable means you will not have sufficient liquid cash and working capital.

Raise funds for your business needs when liquidity is locked in your accounts receivable with the help of accounts receivable financing by Bajaj Finance. Get unsecured business loans of up to Rs. 75 lakh at low-interest rates. Apply online and provide just two* basic documents to avail of financing within 48 hours*.

For easy loan management, use our customer portal, pay your EMIs, make part-prepayments, view your repayment schedule, etc.

We offer a unique Flexi business loan facility that allows you to access funds when your working capital is blocked by your accounts receivable. With a Flexi Loan, you get a pre-approved loan limit from which you can withdraw funds on the go, as the need arises, without incurring any extra charge. When your debtors (customers) pay you, you can prepay the funds for free. Your interest payment is only on the amount that you withdraw. Opt to pay up to 45%* lower EMIs by paying just the interest component of your instalments and the principal later with our Flexi Loan.

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Eligibility criteria and documents required

  • Nationality



  • Age


    24 years to 80 years*
    (*age should be 80 years at loan maturity)

  • Work status

    Work status


  • Business vintage

    Business vintage

    At least 3 years

  • CIBIL Score

    CIBIL Score

    Check your CIBIL Score for FREE

    685 or higher

You will need the following documents to apply

  • KYC documents - Aadhaar/ passport/ voter’s ID/ driving license/ letter from NPR/ NREGA job card
  • PAN card
  • Proof of business ownership
  • Other financial documents

Interest rate and charges

Get funding to offset the liquidity of your accounts receivable block at a competitive rate of interest. Benefit from low-interest rate and nominal fees while being assured of 100% transparency and zero hidden charges.