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Best Loan Offers
Curated Offers from 20+ Lenders
Unsecured Loan
Term Loan & OD Facilities Available
Expert Advice
Guidance & Assistance
Top Up Facility
Loan to Get Additional Funds
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Step 1: Enter your mobile number in the application form.
Step 2: Enter OTP to verify your mobile number.
Step 3: Provide your personal details.
Step 4: Select a bank account for account aggregator consent.
Step 5: Compare offers and apply for the best-suited loan.
Small store owners often rely on daily cash flow, unlike larger companies. An unexpected expense, a festive rush, or a few slow days could disrupt the state of affairs. A loan for shopkeeper can act as extra breathing room to keep things afloat.
A loan for shopkeeper can be used for many activities, including:
As India becomes more tech-savvy, lenders have also upgraded their lending. Fintech players and digital lending platforms have made it easy for shopkeepers to avail of small-ticket loans in just a few clicks. Shopkeepers are now able to:
The majority of lenders often need the following documents for a loan for shopkeeper:
Also Read: Documents Required for Business Loan
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Interest rates on your shopkeeper loan depend on the lender, but they’re usually higher than other loans. Your interest will also depend on your repayment ability and shop turnover. Some fintech platforms also offer zero processing fees for new users.
Pro Tip: Always check the total repayment amount and EMI schedule before taking a shop loan. Stick to platforms that are transparent and don’t hide charges.
In addition to private lenders and digital lending platforms, the government has intervened through specific programs to assist street vendors and small shop owners. The PM SVANidhi Scheme is one such program.
The scheme aims to formalize the informal sector, which includes vendors, hawkers, thelewala, etc. According to a recent PIB press note, as of March 31, 2025, 68 lakh street vendors cumulatively got loans worth Rs 13,792 crore through the PM SVANidhi scheme.
Also Read: A Complete Guide to MSME Loans in India
To increase your chances of getting a loan for shopkeeper, follow these simple steps:
Compare Loan Offers from 20+ Lenders: Instantly view interest rates, EMIs, and fees from top banks and NBFCs side-by-side.
Collateral-Free Loans: Get unsecured loans without mortgaging your shop, home, or assets.
100% Digital Process: Apply, upload documents, and track your loan status online with no paperwork or middlemen.
Personalized Loan Matches: See only the offers you’re eligible for based on your shop’s income and history.
Free Credit Score Check: Know your credit score upfront to boost approval chances and access better rates.
Get up to ₹1 Crore in 5 Simple Steps
Step 1: Enter your mobile number in the application form.
Step 2: Enter OTP to verify your mobile number.
Step 3: Provide your personal details.
Step 4: Select a bank account for account aggregator consent.
Step 5: Compare offers and apply for the best-suited loan.
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