Inditrade MSME Ecosystem

Let’s Progress Towards Strengthening The MSME Ecosystem

We provide hassle-free, collateral-free, quick, and flexible loans to MSMEs, thus progressing towards an inclusive entrepreneurial society. Today, many of the 63.3 mn MSMEs in India do not have a banking line, banking limits, or to whom banks refuse to lend. Thus, we benefit many such small businesses.

Any merchant/ retailer is eligible to apply for a loan at InCash. Our loans range between ₹5 lakhs to ₹50 lakhs and will generally be 12 months. Realizing different business segments have distinct requirements, we have a differentiated lending approach for wholesale, retail, services, and e-commerce.

Inditrade Insurance Impact


  • Disbursed: ₹442 Cr
  • States: 07
  • Customers: 3,236
  • Employees: 89


Our Products

Business Income Loan

  • ₹5 lakh to ₹50 lakh
  • Unsecured loan
  • Credit analysis based on audited financials and banking data
  • Upto 36 months
  • Monthly repayment

Merchant Cash Advance

  • ₹5 lakh to ₹50 lakh
  • Unsecured Loan
  • Credit analysis based on card/ digital sales and cash flow analysis
  • Upto 24 months
  • Daily/ Weekly/ Fortnightly
  • Repayment through POS/ ACH

Customer Segments

MSME wholesale Segment


MSME Retail Segment


MSME Services Segment


MSME Ecommerce Segment




  • Website
  • App
  • Partner Portal

1 Inditrade MSME Source
2 Inditrade MSME Eligibility


  • KYC
  • Dedupe
  • Basic Level Checks

Score Card

  • Traditional Data
  • Digital Cash Flow
  • Alternate Credit and Social Scoring

3 Inditrade MSME Score Card
4 Inditrade MSME Approval & Disbursement

Approval and Disbursement

  • Digital Documents
  • Invoice Generation


  • OTP
  • Data Capture

5 Inditrade MSME Validation
6 Inditrade MSME Data Mashup

Data Mashup

  • Credit Bureau
  • Negative Lists
  • Fraud Check

Credit Decision

  • Underwriting
  • Exception Overrides
  • Assigning Limits
  • Offer Matching

7 Inditrade MSME Credit Decision
8 Inditrade MSME Data Mashup

Post Disbursement

  • Digital Flexible Repayment & Collection