Small Business Line of Credit

To help your small business grow, a flexible line of credit might be the right choice. Now get an instant line of credit up to Rs 3 Lakhs with a 1.5%* interest rate (per month) for your immediate business requirements like the purchase of raw materials, working capital, or payment of invoices.

instant business loan

ZipLoan is the Lender of Choice for Small Businesses.


Minimal Documentation

No balance sheet needed


No Prepayment Charges

After first 6 EMIs


Receive Funds Within 3 Days*

Straight into your account

Feature and benefits of a business line of credit

  • Short term financing for your short term fund requirements
  • Limit up to Rs. 3 Lakhs
  • Low-interest rate – 1.5% per month
  • Short repayment period up to 60 days
  • App-based flexible withdrawal and repayment
  • One time processing fee
  • Get instant money into your bank account by availing the business line of credit

You can use a low interest business line of credit to finance short-term expenses, such as payroll, managing working capital, or inventory. You can support your small business with a flexible line of credit.

What is a business line of credit?

Your business probably needs working capital from time to time to grow. Small businesses sometimes have cash flow problems due to late invoice payments, emergency expenses, or other short-term situations. For businesses like these, being able to access extra funds can help in surviving tough times and coming out on top.

The options available for business financing are vast. Most small businesses choose a line of credit for financing.

How you can benefit from a business line of credit

A business needs working capital to run, but sometimes there isn't quite enough on hand when you need it. The biggest client might take a long time to pay you, or you might have a big purchase to make. Cash flow issues such as these can harm your business and threaten its stability.

The good news is that if you have a line of credit, you can handle such challenges with confidence, knowing you have access to capital.

Having a business line of credit is a great way for businesses to accomplish more, faster.

The following are some examples of how a credit line can be useful:

  • Expanding your workforce to meet rising demand
  • The purchase of a new piece of equipment
  • Making an immediate business payment
  • Expanding to several new locations or opening a new office
  • Preparing extra inventory for the holiday season

Business owners frequently use a line of credit to run their cash flow during slow seasons, when there is a labor shortage, or when sales dip temporarily. A business line of credit loan can help owners who are facing challenges with liquidity or cash flow volatility.

Since you will have access to funds when you need them, an online business line of credit can help you run your business less stressfully. Having a revolving line of credit is simple, particularly if you are familiar with business credit cards. It is common to be able to repay your business line of credit once you've received your funds, then use it again when the next need arises.

How to apply for a business line of credit loan?

Getting a line of credit for your business is pretty easy from Ziploan. Simply download our App and:

  1. Sign up with your registered mobile number
  2. Fill in your basic details to check your loan eligibility
  3. Get a real-time conditional offer basis on your PAN & Aadhaar Card
  4. Upload a few documents  – Address proof, Bank statement & ITR 
  5. Now track your loan application status on an app for approval
  6. The loan application is approved and money is transferred directly to your bank account


Solving Real problems

Ram Yadav

I have been running my business for over twelve years but have not been able to undertake expansion activities. I applied to Ziploan and they cleared my loan application in a very short span of time.

Kanchan Lata

I approached Ziploan for an equipment finance loan. Their eligibility criterion was easy to fulfill because it required only 2 years ITR and 10 lacs of annual banking credit.

Ready for Ziploan to
empower your business ?