Running a shop means constant cash needs — restocking before a festival, offering credit to regular customers, upgrading the counter or opening a second branch. A business loan can fund these without draining the cash register.
What shop owners use it for
- Bulk stock before festive or wedding seasons
- Shop renovation, shelving, refrigeration or billing systems
- Opening a new outlet or godown
- Bridging the gap when customers buy on credit
- Taking up distributor or wholesale deals
What lenders look at
- Sales through the bank — card, UPI and deposit inflows in your current or savings account
- Business vintage — how long the shop has been running
- GST filings, where registered, and ITR
- Owner's credit score — see how to improve your CIBIL score
Tips for shop owners
- Take digital payments into one bank account — UPI and card receipts build the record lenders see.
- Deposit cash sales regularly instead of keeping them aside.
- Get a free Udyam registration — retail and wholesale traders can register. See Udyam registration.
- Plan the EMI for your slow months, not just the festive peak — try the business loan EMI calculator.
How to apply with Oxon Fintech
Share your shop's details once, link your bank account digitally through Account Aggregator, and see offers from our lending partners. Read eligibility and documents.