Working capital, when your business needs it.
Invoice discounting, working capital finance, and a 12-month business loan — designed for Indian SMBs. Apply in minutes. Get matched with the right lender.
RBI-compliant · Soft credit checkWe don't lend. We match you to the right lender.
Vaanij is a loan marketplace and DSA platform. We don't underwrite or fund loans ourselves. We work with partner banks and NBFCs to find you the best rate and terms — across products, geographies, and tenures.
Built for the realities of running a business.
Got an unpaid invoice?
Invoice discounting: get up to 90% of the invoice value within 24–48 hours. Settle when your buyer pays.
₹50K – ₹50 lakh
Working capital finance, repaid in equal instalments over 3–24 months. For inventory, payroll, vendor payments.
₹2 lakh – ₹50 lakh
A 12-month business loan, repaid in 12 equal instalments. For expansion, hiring, marketing, a new outlet.
Made for the business owner who doesn't have time for paperwork.
No paperwork on day one
Initial check uses your business profile and bank statements. Documents only after you choose an offer.
One application, many lenders
Fill once. Lenders compete for you. You pick the rate and terms that fit.
Transparent pricing
Indicative rates upfront. Final rates after review. No surprises in the fine print.
Inside your accounting app
Use Vaanij Accounts? Apply for invoice discounting from your invoice in two clicks.
Four steps from question to funds.
Check eligibility
30-second form. No documents. Soft credit check only.
Get pre-approved offers
Multiple lenders return indicative terms within 24 hours.
Pick & submit documents
KYC, 6-month bank statements, GST returns. Upload securely.
Get disbursed
From 24–48 hours for invoice discounting to 3–5 days for the 12-month business loan.
Already use Vaanij Accounts? This is even faster.
We pull your invoice details, GSTIN, and buyer info automatically. You confirm what's being shared, and submit. The whole apply step takes about 30 seconds.
Indicative rates.
Final rates depend on your credit profile, business vintage, and lender's underwriting. APR may vary.
| Product | Amount | Tenure | Indicative rate | Processing fee | |
|---|---|---|---|---|---|
| Invoice discounting | ₹50K – ₹2Cr per invoice | Until the invoice is paid (30–90 days) | 1.2–1.8% per month | 0.5–1% | Details → |
| Working capital finance | ₹50K – ₹50L | 3–24 months | 14–22% p.a. | 1–2% | Details → |
| 12-month business loan | ₹2L – ₹50L | 12 months, fixed | 14–20% p.a. | 1–2% | Details → |
We work with established partners.
Vaanij is a registered DSA. We follow RBI's Fair Practices Code.
Real businesses. Real numbers.
"Got ₹4 lakh disbursed against a buyer invoice within 48 hours. Lifesaver during festive season."
"Comparing offers from 4 lenders saved me 2.5% APR over a 24-month working capital loan. That's real money."
"Applied through my Vaanij Accounts app. Funds in my current account in 36 hours."
The questions everyone asks.
Five quick answers. The full FAQ lives in the help center.
What's the minimum business vintage?
1 year for invoice discounting and working capital finance. 2 years for the 12-month business loan. Some lenders require longer.
Do you check CIBIL?
Soft pull for eligibility (no impact on your score). Hard pull only if you accept an offer.
What documents do I need?
KYC (PAN, Aadhaar), 6 months of bank statements, last 2 years of ITRs, GST returns. Light for invoice discounting; heavier for the 12-month business loan.
How fast can I get funds?
It depends on the product: 24–48 hours for invoice discounting, 48–72 hours for working capital finance, and 3–5 days for the 12-month business loan.
Are there prepayment penalties?
Varies by lender. We show prepayment terms upfront on every offer letter so you can compare.
Find out what you qualify for.
Takes 30 seconds. No credit pull. No commitment.