In order to help you overcome these challenges, Paytm offers seller financing options and loan programs to help you get the capital to grow your business.

We have collaborated with top lending corporations and banks who are experts in providing working capital finance to merchants selling on online marketplaces so that more SMEs can GoBig!

Key features:

Products we offer:


How do I know if I am eligible for financing?

You can check loans tab in Seller Panel to know if you have any offers.

How do I know more about or apply for financing options?

  • Visit Loans tab on seller panel
  • Mail to us at
  • Give a missed call on 7053111768
  • Raise a ticket through support tab

How is getting financed helpful for me?

Working capital availability can fuel the growth of your online business. You can

  • Stock more inventory
  • Add new products tocatalogue
  • Participate in onlinefests
  • Manage cash flow gaps
  • Grow business exponentially

What are the different kinds of financing options available? What are the differences between term loan and overdraft?

Term Loan: A term loan is a fixed loan that is repaid in regular payments over a set period of time.The entire loan amount is disbursed in one go. Interest rate is charged on the loan amount disbursed. Loan is to be repaid in monthly installments as set by the lender.

Overdraft: In case of OD (overdraft) facility, an upper limit is set for the loan. The borrower can withdraw as and when there is capital requirement in a set period of time. Interest rate is charged on the borrowed amount and not on the OD limit set. Interest is charged only till the day of repayment. The entire amount borrowed is to be paid in lump sum within the period re-defined with the lender.

What documents should I keep ready after applying for the loan?

All lenders require basic documents like:

  • KYC and Address proof
  • Last 6 months bank statement
  • Firm registration proof
  • ITR and VAT returns

Apart from these some lenders might ask for additional documents based on loan type and amount.

How much and how long can I borrow?

Offers from our lending partners range from Rs 30k – Rs 3 crore, for duration  between 3 – 12 months.

How much is the interest rate?

Different lenders offer loans under different interest rate range. It can range from 10.75-24%. 

Do I need to pledge property or machinery to get a loan?

No. If you take loan through Paytm platform, loan is collateral free. If you take a loan from our partner lenders, since there will be no collateral, your payout will work as a security and will route through a virtual escrow account. This account is opened when both lender and seller agree to it. Once loan is repaid, this virtual account is disabled and payout again starts to get deposited in seller’s current account.

However, if you need a secured loan specifically, we can help you for that too.

What will be the process of paying back a loan?

Process of paying back depends on lender as well as type of loan. Term loans have fixed repayment cycles (usually monthly) while in a case of overdraft one can borrow upto limit and pays back within 60 days (may vary as per lender) of borrowing. So, If your OD limit is 1 crore and you withdraw 90 lacs you will have to pay back 90 lac + 2 month interest if you pay back after 2 months. If you payback after 10 days, you pay only 10 days interest.

How long can I repay in?

All loans offered here are short-term loans and have to be settled within the period for which sanction is done.