Business credit

Credit lines, loans and cards for GST-registered businesses

Search a GSTIN first and we rank these by fit. Every application goes straight to the lender.

Lending partnerod

Overdraft credit line up to ₹25 lakh

Draw what you need, pay interest only on what you use.

  • ✓Approval in 30 minutes
  • ✓100% digital, no collateral
  • ✓Flexible repayment
Check eligibility →
Lending partnerod

Overdraft line up to ₹50 lakh

For established companies with 12 months of clean filings.

  • ✓Decision within one working day
  • ✓Needs 12 months of GST returns
  • ✓Rates from 16% p.a.
Check eligibility →
NBFC partnerbusiness loan

Business loan up to ₹10 lakh in 10 minutes

Paperless. Uses your GST filings instead of bank statements.

  • ✓Paperless documentation
  • ✓Low interest rates
  • ✓Multiple lender offers
Apply now →
Bank partnerbusiness card

Business credit card with a 45-day float

Pay GST, vendors and ads on credit.

  • ✓No joining fee for e-invoice enabled firms
  • ✓2% back on GST payments
  • ✓Virtual card in minutes
Check eligibility →
Bank partnercorporate card

Corporate cards for your team

Spend controls, receipts and GST-compliant statements.

  • ✓Unlimited virtual cards
  • ✓Auto-match to purchase invoices
  • ✓For ₹25 Cr and above
See criteria →
Invoice finance partnerinvoice finance

Invoice discounting up to 80%

Get paid early on invoices to large customers.

  • ✓Works with GSTR-1 invoices
  • ✓No fixed charge on the company
  • ✓Funds in 48 hours
Check eligibility →
Bank partnersecured card

FD-backed credit card for new founders

Build a credit history with a card against a ₹10,000 deposit.

  • ✓Instant approval, no credit score needed
  • ✓Reported to all four bureaus
  • ✓Upgrades to unsecured in 12 months
Get the card →
Spensesaas

Vendor monitoring for your CA

Watch every vendor's filing status before you claim ITC.

  • ✓Up to 500 GSTINs on one list
  • ✓Daily alerts on WhatsApp and email
  • ✓Audit-ready PDF each month
Start free →

Frequently asked questions

Does checking eligibility affect my credit score?+

No. Eligibility here is estimated from GSTN public data. Only a full application with the lender triggers a bureau enquiry.

Who decides the loan?+

The lender. We pass you to their application with a reference id. We are not a lender and do not store application details.

Why do you ask for my GSTIN?+

Turnover slab, registration age and filing history are what lenders look at first. Matching on them saves you from applying to products you will not get.

Business credit offers matched to your GST profile | Spense GST Search