Get money within a flash with

Cash Advance

Borrow Collateral-free money only when you need it.  Withdraw instantly and repay easily.

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Get money within a flash
with Cash Advance

Borrow collateral-free money only when you need it.  Withdraw instantly and repay easily.

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Additional Cash without Application

Once enabled, you don't need to apply for approval every time. Just request the money and you will have it within seconds.

Are you not able to see Cash Advance on your dashboard?

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Advance Customer Payments

Withdraw expected revenue amount before actual payments for urgent needs and pay from future settlements.

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Pay on your use

Only pay interest on the amount you withdraw and when you withdraw. There are no hidden charges.
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Cash Advance helps growing 
businesses

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Employers
Source urgent cash and salaries when payments are delayed
Hire additional or outside resources for ad-hoc work
Get a cash backup for additional expenses and wages during festivals
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Manufacturers
Procure raw material at discount with instant cash
Process additional orders with ready access to capital
Acquire new customers while serving the existing ones
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Retailers
Buy more stock only when needed and avoid buying too much
Get a cash backup to prepare for peak season or sale
Sustain rent and wages during temporary dip in sales

Cash Advance is for Everyone

Cash Advance

Additional instant money when you need it for unexpected demand and urgent needs

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  • No interest until you actually use it.
  • Takes care of even your cash needs.
  • Every disbursal under 10 seconds, once enabled.

Working Capital Loan

Collateral-free loans for achieving the next business milestone

Starting at 1.25% per month for up to 12 months with flexible repayment options.

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Corporate Card

Business Card to simplify your digital spends

Requires no personal guarantee and gives you complete control with a smart dashboard

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Cash advance

Additional instant money when you need it for unexpected demand and urgent needs

  • No interest until you actually use it.
  • Takes care of even your cash needs.
  • Every disbursal under 10 seconds, once enabled.
Working Capital Loan

Collateral-free loans for achieving the next business milestone

Starting at 1.25% per month for up to 12 months with flexible repayment options.

Corporate Card

Business Card to simplify your digital spends

Requires no personal guarantee and gives you complete control with a smart dashboard

Razorpay's Alternative Credit Decisioning System dynamically sets a higher credit limit with timely repayments and supports your business growth with improved offerings in future.

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Frequently Asked Questions

FAQs

What is Cash Advance?
What is Cash Advance?

Cash Advance is a Line of Credit solution provided by Razorpay for its businesses where businesses can transfer additional cash to their bank account for urgent business needs. It is a business overdraft account without any hassles of banks. We are partnering with leading NBFCs to get your affordable financing.

How do I apply for Cash Advance?
How do I apply for Cash Advance?

Pre-approved merchants can apply online through our merchant dashboard by going to the 'Cash Advance’ tab. If you don't see the tab, please reach out to our support team and we will evaluate your request.

What are the eligibility factors?
What are the eligibility factors?

The eligibility of pre-approval is dependent on your monthly transaction volumes, your credit score and your financial records. The credit limit exposed will also be a function of these parameters.

How do I pay back the borrowed amount?
How do I pay back the borrowed amount?

While making the withdrawal amount from your dashboard, you can choose the date of repayment. Razorpay will calculate the repayable amount based on the withdrawn amount and date of repayment and show it to you.

What is the interest and fee on the borrowed amount?
What is the interest and fee on the borrowed amount?

You will only be charged interest on the amount you withdraw and only for the number of days before you repay. The interest starts at 0.08% per day.

What is Cash Advance?

Cash Advance is a Line of Credit solution provided by Razorpay for its businesses where businesses can transfer additional cash to their bank account for urgent business needs. It is a business overdraft account without any hassles of banks. We are partnering with leading NBFCs to get your affordable financing.

How do I apply for Cash Advance?

Pre-approved merchants can apply online through our merchant dashboard by going to the 'Cash Advance’ tab. If you don't see the tab, please reach out to our support team and we will evaluate your request.

What are the eligibility factors?

The eligibility of pre-approval is dependent on your monthly transaction volumes, your credit score and your financial records. The credit limit exposed will also be a function of these parameters.

How do I pay back the borrowed amount?

While making the withdrawal amount from your dashboard, you can choose the date of repayment. Razorpay will calculate the repayable amount based on the withdrawn amount and date of repayment and show it to you.

What is the interest and fee on the borrowed amount?

You will only be charged interest on the amount you withdraw and only for the number of days before you repay. The interest starts at 0.08% per day.

  • Easy Payouts and disbursals
  • Current Accounts
  • User-friendly Dashboards
  • Powerful APIs