FlexiLoans
RBI-registered lender offering collateral-free business loans, term loans and supply chain finance to Indian MSMEs, applied for online.
FlexiLoans at a glance
| Established | 2016 |
|---|---|
| Address | 7th Floor, South Annexe, Tower 2, One World Centre, 841, Senapati Bapat Marg, Saidham Nagar, Lower Parel, Mumbai |
| Programmes | 3 standing programmes |
| Official website | flexiloans.com |
| connect@flexiloans.com |
Which FlexiLoans programme fits you
3 programmes compared by who they are for, the stage they accept, how long they run and what they cost.
| Programme | Best for | Stage | Duration | Format | Cost |
|---|---|---|---|---|---|
| Collateral-Free Business Loan | Existing MSMEs that need working capital, equipment or expansion funds without pledging assets | — | 24 to 42 months | Online | — |
| Term Loan for MSMEs | MSMEs with stable cash flows and clear growth plans that want a fixed-tenure loan | — | 12 to 36 months | Online | — |
| Supply Chain Finance | Dealers of a company the lender works with, sellers who discount B2B invoices, and buyers who pay suppliers over a longer period | — | Up to 3 months | Online | — |
Programmes they run
Standing programmes at FlexiLoans, separate from the funding calls above.
All three products are loans that must be repaid, not grants or subsidies. Dealer financing and purchase invoice discounting depend on a company in the supply chain agreeing to the arrangement.
An unsecured business loan for existing MSMEs, with no collateral and repayment over 24 to 42 months.
Best for: Existing MSMEs that need working capital, equipment or expansion funds without pledging assets
- 24 to 42 months
- Online
What you get, who can apply and how to applyHide details
The collateral-free business loan is the lender's main product. It is an unsecured loan for an existing business, so you do not pledge property, machinery or other assets. The lender says the loan amount, interest rate and tenure are set from your GST returns, bank statements and credit profile.
What you get
- An unsecured loan with no collateral required.
- A repayment tenure of 24 to 42 months, with EMIs set around your cash flow.
- An online process, with a loan offer after the lender reviews your documents.
- Funds for working capital, equipment, inventory or expansion.
Who can apply
- An existing business with at least 1 year of vintage, such as a shop, a manufacturing unit, a service firm or an e-commerce business.
- A business that is legally registered and holds a valid GST certificate.
- An owner aged between 21 and 60, according to the MSME eligibility guide.
How selection works: the lender reviews your bank statements, GST filings and transaction history, then shares an approval or rejection status before it makes an offer.
How to apply: use the Apply Now link on the business loan page. Have your KYC documents, six months of bank statements and GST registration ready.
A fixed-tenure term loan for expansion, machinery or working capital, repaid in fixed instalments.
Best for: MSMEs with stable cash flows and clear growth plans that want a fixed-tenure loan
- 12 to 36 months
- Online
What you get, who can apply and how to applyHide details
The term loan pays you a lump sum up front. You repay it in fixed instalments over a defined tenure, and the repayment schedule and interest are agreed at the start. The page describes it as suited to MSMEs with stable cash flows and clear growth plans.
What you get
- The full loan amount paid upfront.
- A flexible tenure of 12 to 36 months.
- No collateral required, because it is an unsecured term loan.
- A digital application with no branch visit.
Who can apply
- A business with a minimum of 2 years in operation.
- An owner with a credit score of 700+ and an age between 21 and 64 years.
- A business with valid GST and business documents.
How selection works: the lender evaluates business financials, transaction patterns and industry potential, then confirms eligibility and sends a loan offer.
How to apply: use the Apply Now link on the term loan page. Fill in your business and financial details, upload your documents, then accept the terms if you receive an offer.
Dealer financing and invoice discounting that helps companies, dealers and suppliers manage payments within a supply chain.
Best for: Dealers of a company the lender works with, sellers who discount B2B invoices, and buyers who pay suppliers over a longer period
- Up to 3 months
- Online
What you get, who can apply and how to applyHide details
Supply chain finance is a credit facility that helps a business pay its vendors on time while its own payments run on a longer cycle. The page describes three products: dealer financing, sales invoice discounting and purchase invoice discounting.
What you get
- Dealer financing: revolving working capital limits for eligible dealers of the company they buy from.
- Sales invoice discounting: early payment on invoices owed by B2B, e-commerce or quick commerce buyers.
- Purchase invoice discounting: a credit line that lets a buyer pay its suppliers and repay the lender later.
- Centralised credit approvals, transaction alerts and management reports.
- A facility tenure of up to 3 months.
Who can apply
- Dealers of a company the lender works with, for dealer financing.
- Sellers who want to discount invoices owed by B2B buyers.
- Companies that buy from suppliers and want longer payment terms.
How selection works: the lender uses centralised approvals, so each request goes through a common underwriting process.
How to apply: use the Apply Now link on the supply chain finance page. The page does not describe a separate route for a business with no anchor company, so ask the lender whether your supply chain is covered.
How to apply to FlexiLoans
Choosing the right product
- Collateral-free business loan: for an existing business that needs working capital, equipment, inventory or room to expand.
- Term loan: for a fixed-tenure loan for expansion, machinery or working capital. The page asks for at least 2 years in business.
- Supply chain finance: for dealers of a company the lender works with, for sellers who want to discount invoices owed by B2B buyers, and for buyers who want to pay suppliers over a longer period.
How applications work
- Apply online through the Apply Now or Check Eligibility links on each product page. No branch visit is needed.
- Have these ready: KYC documents (Aadhaar and PAN), six months of bank statements, GST registration and basic business proof.
- Keep your bank statements and GST filings up to date. The lender assesses both.
How selection works
- The lender assesses your bank statements, GST filings and transaction history.
- You receive an approval or rejection status first. If you qualify, you then receive a loan offer.
- The age, time-in-business and turnover rules differ between the lender's pages, so confirm the current terms before you apply.
What reviewers look for
- Steady transaction patterns and a healthy bank balance.
- A credit score. The MSME guide says a CIBIL score of 700+ improves the chances of approval.
- Valid GST registration and a business that is legally registered.
About FlexiLoans
FlexiLoans is an online lender for small and medium businesses in India. Its own pages say it is run by Epimoney Private Limited, an RBI-registered non-banking financial company, with its corporate office in Lower Parel, Mumbai. Its main product is an unsecured business loan, so there is no collateral to pledge.
How its products work
The lender runs three loan routes on its website. The collateral-free business loan is for businesses that already trade and need working capital, equipment or room to expand. The term loan pays a lump sum that is repaid in fixed instalments over a set tenure. Supply chain finance covers the payment cycle between a company, its suppliers and its dealers, with a facility tenure of up to 3 months.
Each of these is a loan you repay, not a grant. The business loan page describes a tenure of 24 to 42 months. The term loan page gives a flexible 12 to 36 months tenure.
Who can apply
The lender is aimed at businesses that are already operating. Its business loan page asks for an existing business with at least 1 year of vintage. Its term loan page asks for a minimum of 2 years in business, a credit score of 700+ and an owner aged between 21 and 64 years. Both ask for valid GST documents. Its MSME eligibility guide sets out further rules, and those rules do not match the product pages in every case. Check the current terms with the lender before you apply.
How applications work
Applications are online and paperless. You enter your business and financial details, upload your documents, and receive an eligibility confirmation and a loan offer. After you accept the terms, the loan is paid into your bank account. The company says it assesses bank statements, GST filings and digital transaction history, and it sends an approval or rejection status before any offer.
Where it operates
The company says its loans are available across India and that it runs a digital platform for applications. Its registered office is in Chennai, and its corporate office is in Mumbai. It describes itself as a lender that uses its own credit model to assess businesses that traditional banks may turn away.
Background
Its about page says the company was founded in 2016 to solve the problem small businesses face in getting quick and flexible funds. It describes itself as a company that partners with banks, NBFCs and fintech platforms to co-lend and distribute credit to MSMEs. It publishes a support email and phone line, and its contact page lists business hours.
Before you apply
The lender's pages give different figures in places, for example for minimum time in business, the age range and the processing fee. Read the product page you are applying for, and confirm the rules with the lender. Loans are repaid with interest, so compare the total cost of the loan with your own cash flow before you accept an offer.
Get in touch
Send a message to FlexiLoans — we'll forward it on your behalf.
Who they work with
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Frequently asked questions about FlexiLoans
What is FlexiLoans?
FlexiLoans is a corporate based in Mumbai, Maharashtra.
What does FlexiLoans do?
FlexiLoans is an online lender for small and medium businesses in India. Its own pages say it is run by Epimoney Private Limited, an RBI-registered non-banking financial company, with its corporate office in Lower Parel, Mumbai. Its main product is an unsecured business loan, so there is no collateral to pledge.
Where is FlexiLoans located?
FlexiLoans is located at 7th Floor, South Annexe, Tower 2, One World Centre, 841, Senapati Bapat Marg, Saidham Nagar, Lower Parel, Mumbai.
What programs does FlexiLoans run?
FlexiLoans runs Collateral-Free Business Loan, Term Loan for MSMEs and Supply Chain Finance.
How do I apply to FlexiLoans?
- Collateral-free business loan: for an existing business that needs working capital, equipment, inventory or room to expand. - Term loan: for a fixed-tenure loan for expansion, machinery or working capital. The page asks for at least 2 years in business.
When was FlexiLoans founded?
FlexiLoans was founded in 2016. It is a corporate.
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