Bengaluru, December 23, 2025: Axis Bank, one of India’s leading private sector banks, has announced the launch of Digital Merchant Cash Advance Loans, an industry-first, cash-flow-based lending solution designed especially for micro and small businesses across India. This innovative, fully digital product offers unsecured loans ranging from ₹2 lakh to ₹20 lakh, enabling merchants, particularly retail shops, to access quick credit and repay through everyday instalments aligned with their business cash flows.
The solution is entirely digital, with eligibility evaluated through cash-flow intelligence and other parameters rather than traditional financial statements. As part of the loan journey, customers will also be extended Axis Bank current account services, ensuring a seamless end-to-end experience from onboarding to disbursement. Applicants receive an instant credit decision within minutes, and funds are disbursed within few days. Repayments are automatically collected through daily instalments, allowing merchants to repay based on actual sales instead of hefty EMIs. This Everyday Instalment (EDI) model offers repayment flexibility and helps maintain steady working capital.
Commenting on the launch, Vijay Shetty, President & Head – Commercial Banking Group, Axis Bank, said, “Digital Merchant Cash Advance Loans bring instant credit facility and current accounts together into one seamless, digital solution, supported by flexible daily repayments aligned to merchants’ business needs. By leveraging cash-flow-based underwriting, we aim to make timely funding more accessible for MSMEs. This launch is a significant step in advancing our data-driven lending and reinforcing out commitment to empower India’s MSMEs with simple, fast and reliable credit.”
With this launch, Axis Bank further strengthens its focus on the MSME sector by widening credit access and enabling faster funding for businesses that traditionally struggle to obtain formal credit due to limited or no collateral or financial statements. MSMEs seeking to avail Merchant Cash Advance can apply through their nearest Axis bank branch or visit the website for further information.
