Loan against Credit Card Receivables

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Retailer and merchant establishments can now get loans based on credit card receivables. One of the newer and most flexible forms of accounts receivables financing, loans on credit card sales are based on sales history and trends.
This financing option is simple, quick and it does not require any additional collaterals. Limits are generally flexible, based on business volume.
Overall quantum and health of your business, business vintage and your credit rating are the key factors considered for this type of loan.


  • Sales Model based on Credit Cards
  • Online/e-commerce Sellers
  • Sales through POS Machine or any ecommerce portal/Online marketplace
  • Business Vintage:
    •      Over 2 Years for POS sellers
    •     6 Months for Online sellers
  • Good CIBIL Rating
  • Clean business record
  • Age between 21 and 65 years

Documents Needed:

  1. PAN Card – For Company /Firm/ individual.
  2. Proof of your identity: Copy of Aadhaar Card/Passport/Voter's ID card/Pan Card/Driving License.
  3. Proof of your address: Copy of Aadhaar Card/Passport/ Voter ID-Card/Driving License.
  4. Bank Statement (latest 6 months)
  5. Latest ITR along with computation of income, Balance sheet and Profit & Loss a/c for the last 2 years. Financials should be CA Certified /Audited.
  6. Proof of continuation (ITR/Trade license /Establishment /Sales Tax certificate)
  7. Other Mandatory Documents (Sole Prop. Declaration Or Certified Copy of Partnership Deed, Certified true copy of Memorandum & Articles of Association (certified by Director) & Board resolution (Original)